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United BancsharesUBOH -1.45%45 5-Year Yield-on-Cost % is 4.18 as of Jul. 26, 2026, which is 7% above its 10-year median of 3.89. GuruFocus rates UBOH with a GF Score™ of 45/100 and a GF Value™ of $31.87 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,252 Banks companies, United Bancshares ranks better than 55.35% on this metric.
United Bancshares's yield on cost for the quarter that ended in Jun. 2026 was 4.18.
The historical rank and industry rank for United Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
UBOH'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.41 Med: 3.89 Max: 8.37
Current: 4.18
During the past 13 years, United Bancshares's highest Yield on Cost was 8.37. The lowest was 2.41. And the median was 3.89.
UBOH's 5-Year Yield-on-Cost % is ranked better than 55.35% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs UBOH: 4.18
United Bancshares (OTCPK:UBOH) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
United Bancshares 5-Year Yield-on-Cost % Related Terms
UBOH vs CMHF, SFBC, CZBS: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, United Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, United Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where United Bancshares's 5-Year Yield-on-Cost % falls into.
United Bancshares 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
United Bancshares (UBOH) has a 5-Year Yield-on-Cost % of 4.18 as of Jul. 26, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Bancshares and its competitors. This is near median its historical median of 3.89. Over the past decade, United Bancshares' 5-Year Yield-on-Cost % has ranged from 2.41 to 8.37. According to the industry distribution chart, United Bancshares ranks #559 out of 1252 companies in the Banks industry, placing it in the top 44.6%.
Is United Bancshares' 5-Year Yield-on-Cost % too high?
United Bancshares' current 5-Year Yield-on-Cost % of 4.18 is near median its 10-year median of 3.89. Over the past 10 years, this metric has ranged from a low of 2.41 to a high of 8.37. The Banks industry median 5-Year Yield-on-Cost % is 3.88. United Bancshares' value of 4.18 is 7.9% above this industry median. Based on the distribution chart, United Bancshares ranks #559 out of 1252 companies in the Banks industry, which is above the industry midpoint. Overall, United Bancshares has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bancshares' 5-Year Yield-on-Cost % compare to CMHF and SFBC?
According to the Banks industry distribution chart, United Bancshares ranks #559 out of 1252 companies for 5-Year Yield-on-Cost %. This puts United Bancshares in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.88. United Bancshares' value of 4.18 is 7.9% above this benchmark. Historically, United Bancshares' own 5-Year Yield-on-Cost % has ranged from 2.41 to 8.37 over the past decade. While the company's 10-year median is 3.89 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. United Bancshares's current 5-Year Yield-on-Cost % of 4.18 is 7.9% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on United Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Bancshares's current 5-Year Yield-on-Cost % is 4.18, which is near median its own 10-year median of 3.89. 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 $31.87, compared to a current price of $37.35 — trading 17.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.18, which is near median its 10-year median of 3.89 and 7.9% above the Banks industry median of 3.88. United Bancshares' overall GF Score™ is 45/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For United Bancshares (UBOH), the current 5-Year Yield-on-Cost % is 4.18 as of Jul. 26, 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 $37.35 is trading 17.2% above its estimated GF Value™ of $31.87.
GuruFocus considers United Bancshares to be Modestly Overvalued.
Key valuation signals for UBOH:
5-Year Yield-on-Cost %: 4.18 (near median its 10-year median of 3.89)
GF Value™: $31.87 vs. price of $37.35 (17.2% above fair value)
Industry Position: 7.9% above the Banks median (#559 of 1252)
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.
45GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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