United BancsharesUBOH -2.37%46 PEG Ratio is 7.63 as of Jul. 04, 2026, which is 362% above its 10-year median of 1.65. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.92 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,228 Banks companies, United Bancshares ranks worse than 91.04% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for United Bancshares's PEG Ratio or its related term are showing as below:
UBOH'
s PEG Ratio Range Over the Past 10 Years
Min: 0.48 Med: 1.65 Max: 10.6
Current: 7.63
During the past 13 years, United Bancshares's highest PEG Ratio was 10.60. The lowest was 0.48. And the median was 1.65.
UBOH's PEG Ratio is ranked worse than 91.04% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs UBOH: 7.63
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
United Bancshares (OTCPK:UBOH) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
United Bancshares PEG Ratio Related Terms
United Bancshares PEG Ratio Historical Data
* Premium members only.
The historical data trend for United Bancshares's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, United Bancshares's PEG Ratio distribution charts can be found below:
* The bar in red indicates where United Bancshares's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
United Bancshares (UBOH) has a PEG Ratio of 7.63 as of Jul. 04, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bancshares and its competitors. This is 362% above median its historical median of 1.65. Over the past decade, United Bancshares' PEG Ratio has ranged from 0.48 to 10.60. According to the industry distribution chart, United Bancshares ranks #1118 out of 1228 companies in the Banks industry, placing it in the top 91%.
Is United Bancshares' PEG Ratio too high?
United Bancshares' current PEG Ratio of 7.63 is 362% above median its 10-year median of 1.65. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 10.60. The Banks industry median PEG Ratio is 1.53. United Bancshares' value of 7.63 is 398.7% above this industry median. Based on the distribution chart, United Bancshares ranks #1118 out of 1228 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' PEG Ratio compare to CMHF and SFBC?
According to the Banks industry distribution chart, United Bancshares ranks #1118 out of 1228 companies for PEG Ratio. This places United Bancshares in the lower half of its industry. The industry median PEG Ratio is 1.53. United Bancshares' value of 7.63 is 398.7% above this benchmark. Historically, United Bancshares' own PEG Ratio has ranged from 0.48 to 10.60 over the past decade. While the company's 10-year median is 1.65 vs. the industry median of 1.53, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancshares's current PEG Ratio of 7.63 is 398.7% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on United Bancshares and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancshares's current PEG Ratio is 7.63, which is 362% above median its own 10-year median of 1.65. 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 $28.92, compared to a current price of $37.10 — trading 28.3% above its estimated fair value. The current PEG Ratio is 7.63, which is 362% above median its 10-year median of 1.65 and 398.7% above the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For United Bancshares (UBOH), the current PEG Ratio is 7.63 as of Jul. 04, 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 $37.10 is trading 28.3% above its estimated GF Value™ of $28.92.
GuruFocus considers United Bancshares to be Modestly Overvalued.
Key valuation signals for UBOH:
PEG Ratio: 7.63 (362% above median its 10-year median of 1.65)
GF Value™: $28.92 vs. price of $37.10 (28.3% above fair value)
Industry Position: 398.7% above the Banks median (#1118 of 1228)
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
Get the complete analysis for UBOH
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