United BancsharesUBOH 46 Net Margin % is 28.37% as of Mar. 2026, which is 19% above its 10-year median of 23.83. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.88 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, United Bancshares ranks better than 51.74% on this metric.
The historical rank and industry rank for United Bancshares's Net Margin % or its related term are showing as below:
UBOH'
s Net Margin % Range Over the Past 10 Years
Min: 13.87 Med: 23.83 Max: 27.28
Current: 27.28
UBOH's Net Margin % is ranked better than 51.74% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs UBOH: 27.28
United Bancshares (OTCPK:UBOH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
United Bancshares Net Margin % Related Terms
United Bancshares Net Margin % Historical Data
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The historical data trend for United Bancshares's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, United Bancshares's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where United Bancshares's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bancshares (UBOH) has a Net Margin % of 28.37% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on United Bancshares and its competitors. This is 19% above median its historical median of 23.83. Over the past decade, United Bancshares' Net Margin % has ranged from 13.87 to 27.28. According to the industry distribution chart, United Bancshares ranks #737 out of 1527 companies in the Banks industry, placing it in the top 48.3%.
Is United Bancshares' Net Margin % too high?
United Bancshares' current Net Margin % of 28.37% is 19% above median its 10-year median of 23.83. Over the past 10 years, this metric has ranged from a low of 13.87 to a high of 27.28. The Banks industry median Net Margin % is 26.95. United Bancshares' value of 28.37% is 5.3% above this industry median. Based on the distribution chart, United Bancshares ranks #737 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, United Bancshares has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancshares' Net Margin % compare to BORT and CZBS?
According to the Banks industry distribution chart, United Bancshares ranks #737 out of 1527 companies for Net Margin %. This puts United Bancshares in the upper half of its industry. The industry median Net Margin % is 26.95. United Bancshares' value of 28.37% is 5.3% above this benchmark. Historically, United Bancshares' own Net Margin % has ranged from 13.87 to 27.28 over the past decade. While the company's 10-year median is 23.83 vs. the industry median of 26.95, United Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancshares's current Net Margin % of 28.37% is 5.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on United Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancshares's current Net Margin % is 28.37%, which is 19% above median its own 10-year median of 23.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bancshares stock overvalued right now?
Based on GuruFocus' analysis, United Bancshares (UBOH) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.88, compared to a current price of $38.00 — trading 31.6% above its estimated fair value. The current Net Margin % is 28.37%, which is 19% above median its 10-year median of 23.83 and 5.3% above the Banks industry median of 26.95. United Bancshares' overall GF Score™ is 46/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For United Bancshares (UBOH), the current Net Margin % is 28.37% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bancshares (UBOH) Overvalued in 2026?
Based on GuruFocus' analysis, United Bancshares stock appears to be overvalued.
The current stock price of $38.00 is trading 31.6% above its estimated GF Value™ of $28.88.
GuruFocus considers United Bancshares to be Significantly Overvalued.
Key valuation signals for UBOH:
Net Margin %: 28.37% (19% above median its 10-year median of 23.83)
GF Value™: $28.88 vs. price of $38.00 (31.6% above fair value)
Industry Position: 5.3% above the Banks median (#737 of 1527)
No single metric tells the full story. See the UBOH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bancshares Inc is a financial holding company engaged in the business of full-service community banking, offering a full range of commercial and consumer banking services. It provides products including residential, commercial and multi-family real estate, commercial, and consumer loans, along with securities portfolio management. Its services include deposit services, lending, and risk management. The Bank offers a range of commercial banking services, including checking, savings, money market accounts, time certificates of deposit, and automated teller machines; as well as commercial, consumer, agricultural, residential mortgage, and home equity loans; online and mobile banking; remote and mobile deposit; safe deposit box rentals; and other personalized banking services.
46GF Score
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