UBOH (United Bancshares) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UBOH United Bancshares Inc UBOH
46 GF Score
Price $37.13
GF Value $28.97
Valuation Modestly Overvalued
! 1 Warning Sign
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What is United Bancshares ROC (Joel Greenblatt) %?

United Bancshares UBOH 46 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates UBOH with a GF Score™ of 46/100 and a GF Value™ of $28.97 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 46 Banks companies, United Bancshares ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

UBOH
46GF Score
United Bancshares Inc UBOH
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
United Bancshares (UBOH) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Bancshares and its competitors. According to the industry distribution chart, United Bancshares ranks #999999 out of 46 companies in the Banks industry.
Is United Bancshares' ROC (Joel Greenblatt) % too high?
United Bancshares' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, United Bancshares ranks #999999 out of 46 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' ROC (Joel Greenblatt) % compare to CMHF and SFBC?
According to the Banks industry distribution chart, United Bancshares ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places United Bancshares in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on United Bancshares and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancshares's current ROC (Joel Greenblatt) % is %. 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 $28.97, compared to a current price of $37.13 — trading 28.2% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For United Bancshares (UBOH), the current ROC (Joel Greenblatt) % is % 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 $37.13 is trading 28.2% above its estimated GF Value™ of $28.97. GuruFocus considers United Bancshares to be Modestly Overvalued.

Key valuation signals for UBOH:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $28.97 vs. price of $37.13 (28.2% above fair value)
  • GF Score™: 46/100 with 1 warning sign

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 Business Description

Address 105 Progressive Drive, Columbus Grove, OH, USA, 45830
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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$37.13
Price
$28.97
GF Value