United Bancshares's ROE % for the quarter that ended in Mar. 2026 was 13.39%. United Bancshares's PB Ratio for the quarter that ended in Mar. 2026 was 0.99.
United Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 13.53%.
United Bancshares ROE % Adjusted to Book Value Related Terms
United Bancshares ROE % Adjusted to Book Value Historical Data
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The historical data trend for United Bancshares's ROE % Adjusted to Book Value 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.
United Bancshares ROE % Adjusted to Book Value Chart
UBOH vs CMHF, SFBC, CZBS: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, United Bancshares's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, United Bancshares's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where United Bancshares's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 13.53% mean?
United Bancshares (UBOH) has a ROE % Adjusted to Book Value of 13.53% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United Bancshares and its competitors.
Is United Bancshares' ROE % Adjusted to Book Value too high?
United Bancshares' current ROE % Adjusted to Book Value is 13.53%. 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' ROE % Adjusted to Book Value compare to CMHF and SFBC?
United Bancshares' ROE % Adjusted to Book Value of 13.53% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United Bancshares and its competitors. United Bancshares's current ROE % Adjusted to Book Value is 13.53%. 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 $28.91, compared to a current price of $38.00 — trading 31.4% above its estimated fair value. The current ROE % Adjusted to Book Value is 13.53%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For United Bancshares (UBOH), the current ROE % Adjusted to Book Value is 13.53% 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 31.4% above its estimated GF Value™ of $28.91.
GuruFocus considers United Bancshares to be Significantly Overvalued.
Key valuation signals for UBOH:
ROE % Adjusted to Book Value: 13.53%
GF Value™: $28.91 vs. price of $38.00 (31.4% above fair value)
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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