Want to see UBOH full AI Analyst Report?
UBOH Stock Chart & Stats
$42.00
-$0.53(-1.77%)
At close: 4:00 PM EST
$42.00
-$0.53(-1.77%)
Day’s Range― - ―
52-Week Range$28.65 - $45.14
Previous CloseN/A
Volume469.00
Average Volume (3M)2.52K
Market Cap
$102.59M
Enterprise Value$71.03
Total Cash (Recent Filing)$52.63M
Total Debt (Recent Filing)$16.31M
Price to Earnings (P/E)8.4
Beta0.16
Next Earnings
Jul 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.05%
Share Statistics
EPS (TTM)4.42
Shares Outstanding2,748,899
10 Day Avg. Volume1,534
30 Day Avg. Volume2,516
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.12
Price to Sales (P/S)1.94
P/FCF Ratio9.15
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue And Margin ImprovementUnited Bancshares shows re-accelerating top-line growth and materially wider margins into 2025, reflecting stronger net interest margin and fee income. Sustained revenue and margin expansion increases core earnings power, improving ability to fund growth, dividends, and build capital over the medium term.
Conservative Balance SheetLeverage is conservative with falling debt-to-equity and growing equity, which supports resilience to credit stress and funding shocks. A stronger capital base and improving ROE provide financial flexibility for lending, absorbing losses, and pursuing measured organic growth over the next several quarters.
Healthy Cash GenerationOperating cash flow and free cash flow strengthened in 2025 with excellent cash conversion near 92% of net income. Reliable cash generation supports shareholder returns, internal investment and balance sheet repair, enhancing durability of operations and capital allocation in the medium term.
Bears Say
Volatile Cash Flow HistoryHistorical volatility in free cash flow reduces predictability of earnings quality and capital availability. Intermittent declines limit management's ability to commit to consistent dividend increases or larger strategic investments and raise the risk that cash metrics may weaken again in adverse cycles.
Modest Asset Growth And Earnings CyclicalityModest asset growth constrains scale benefits and revenue diversification, while prior revenue declines show earnings are cyclical. This combination limits the pace of franchise expansion and makes profitability vulnerable to economic downturns or compressing credit spreads over the medium term.
Community Bank Scale LimitationsAs a community-focused regional bank with limited scale, United Bancshares faces higher per-unit costs and less product breadth than larger peers. Scale constraints may restrict technology investment, product diversification and competitive pricing, pressuring long-term growth and margin resilience.
UBOH FAQ
What was United Bancshares’s price range in the past 12 months?
United Bancshares lowest stock price was $28.65 and its highest was $45.14 in the past 12 months.
What is United Bancshares’s market cap?
United Bancshares’s market cap is $102.59M.
When is United Bancshares’s upcoming earnings report date?
United Bancshares’s upcoming earnings report date is Jul 16, 2026 which is today.
How were United Bancshares’s earnings last quarter?
Currently, no data Available
Is United Bancshares overvalued?
According to Wall Street analysts United Bancshares’s price is currently Overvalued.
Does United Bancshares pay dividends?
United Bancshares pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 2.05%. See more information on United Bancshares dividends here
What is United Bancshares’s EPS estimate?
United Bancshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does United Bancshares have?
United Bancshares has 2,748,899 shares outstanding.
What happened to United Bancshares’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of United Bancshares?
Currently, no hedge funds are holding shares in UBOH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Bancshares Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
85.95%
12-Months-Change
Fundamentals
Return on Equity
12.01%
Trailing 12-Months
Asset Growth
1.55%
Trailing 12-Months
Company Description
United Bancshares
United Bancshares, Inc. serves as the holding company for The Union Bank Company, offering a comprehensive suite of commercial and consumer banking services. Its deposit portfolio includes checking, savings, demand, money market, and term certificates, alongside individual retirement accounts and certificates of deposit. The firm provides a diverse array of lending solutions, encompassing commercial and residential real estate, agricultural, commercial and industrial, home equity, consumer, and Small Business Administration (SBA) loans. Beyond traditional banking, it delivers wealth management, financial planning, mutual funds, securities trading, annuities, and life insurance. Customers also have access to treasury management, online and mobile banking, ATMs, bill payment, safe deposit box rentals, and other tailored payment and personalized services. The company maintains eighteen full-service banking centers and three loan production offices across northwest and central Ohio. Established in 1904, United Bancshares, Inc. is headquartered in Columbus Grove, Ohio.
Technical Analysis
Magyar Bancorp
―
Union Bankshares
―
Sound Financial Bancorp
―
Bogota Financial
―
SR Bancorp, Inc.
―
Ownership Overview
―
Insiders
0.73% Mutual Funds
0.81% Other Institutional Investors
98.20% Public Companies and
Individual Investors