United BancsharesUBOH 46 PB Ratio is 0.96 as of Jul. 12, 2026, which is 13% above its 10-year median of 0.85. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.94 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,520 Banks companies, United Bancshares ranks better than 62.76% on this metric.
The historical rank and industry rank for United Bancshares's PB Ratio or its related term are showing as below:
UBOH'
s PB Ratio Range Over the Past 10 Years
Min: 0.45 Med: 0.85 Max: 1.23
Current: 0.96
During the past 13 years, United Bancshares's highest PB Ratio was 1.23. The lowest was 0.45. And the median was 0.85.
UBOH's PB Ratio is ranked better than 62.76% of 1520
companies
in the Banks industry
Industry Median: 1.1
vs UBOH: 0.96
During the past 12 months, United Bancshares's average Book Value Per Share Growth Rate was 16.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Bancshares was 13.80% per year. The lowest was -9.20% per year. And the median was 5.30% per year.
Back to Basics: PB Ratio
United Bancshares (OTCPK:UBOH) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
United Bancshares PB Ratio Related Terms
United Bancshares PB Ratio Historical Data
* Premium members only.
The historical data trend for United Bancshares's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bancshares's PB Ratio distribution charts can be found below:
* The bar in red indicates where United Bancshares's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
United Bancshares (UBOH) has a PB Ratio of 0.96 as of Jul. 12, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Bancshares and its competitors. This is 13% above median its historical median of 0.85. Over the past decade, United Bancshares' PB Ratio has ranged from 0.45 to 1.23. According to the industry distribution chart, United Bancshares ranks #566 out of 1520 companies in the Banks industry, placing it in the top 37.2%.
Is United Bancshares' PB Ratio too high?
United Bancshares' current PB Ratio of 0.96 is 13% above median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 1.23. The Banks industry median PB Ratio is 1.10. United Bancshares' value of 0.96 is 12.7% below this industry median. Based on the distribution chart, United Bancshares ranks #566 out of 1520 companies in the Banks industry, which is above the industry midpoint. Overall, United Bancshares has a GF Score™ of 46/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancshares' PB Ratio compare to CMHF and SFBC?
According to the Banks industry distribution chart, United Bancshares ranks #566 out of 1520 companies for PB Ratio. This puts United Bancshares in the upper half of its industry. The industry median PB Ratio is 1.10. United Bancshares' value of 0.96 is 12.7% below this benchmark. Historically, United Bancshares' own PB Ratio has ranged from 0.45 to 1.23 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.10, United Bancshares has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancshares's current PB Ratio of 0.96 is 12.7% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on United Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancshares's current PB Ratio is 0.96, which is 13% above median its own 10-year median of 0.85. 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 Modestly Overvalued. The stock's GF Value™ is $28.94, compared to a current price of $37.11 — trading 28.2% above its estimated fair value. The current PB Ratio is 0.96, which is 13% above median its 10-year median of 0.85 and 12.7% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For United Bancshares (UBOH), the current PB Ratio is 0.96 as of Jul. 12, 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 $37.11 is trading 28.2% above its estimated GF Value™ of $28.94.
GuruFocus considers United Bancshares to be Modestly Overvalued.
Key valuation signals for UBOH:
PB Ratio: 0.96 (13% above median its 10-year median of 0.85)
GF Value™: $28.94 vs. price of $37.11 (28.2% above fair value)
Industry Position: 12.7% below the Banks median (#566 of 1520)
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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