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UBOH Stock Chart & Stats
$39.25
$0.20(0.53%)
At close: 4:00 PM EDT
$39.25
$0.20(0.53%)
Day’s Range― - ―
52-Week Range$33.00 - $45.14
Previous CloseN/A
Volume200.00
Average Volume (3M)1.22K
Market Cap
$108.09M
Enterprise Value$183.32
Total Cash (Recent Filing)$57.89M
Total Debt (Recent Filing)$138.36M
Price to Earnings (P/E)9.9
Beta0.15
Next Earnings
Oct 15, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.49%
Share Statistics
EPS (TTM)3.98
Shares Outstanding2,748,899
10 Day Avg. Volume1,570
30 Day Avg. Volume1,217
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 Growth MomentumSustained top-line acceleration across 2024–2025 indicates improving customer demand and successful loan or fee growth execution. Durable revenue momentum supports higher recurring net interest and fee income, enabling reinvestment in branches/digital channels and underpinning multi-quarter earnings stability.
Conservative Balance SheetLow debt-to-equity and rising equity provide capital flexibility and a stronger buffer against credit and rate stress. Conservative leverage reduces refinancing risk, supports regulatory compliance and enables selective loan growth or opportunistic M&A without immediate strain on funding or capital ratios.
Strong Cash ConversionHigh free cash flow conversion indicates efficient translation of accounting profits into deployable cash. Reliable cash generation supports dividends, internal investment and loan book funding, reducing reliance on wholesale borrowing and enhancing resilience across multiple quarters.
Bears Say
Cash Flow VolatilityPrior multi-year swings in operating and free cash flow reduce confidence in recurring cash availability for dividends and growth. Volatility can force conservative capital management, constrain lending or require one-off measures during downturns, making planning and payout predictability harder.
Historical Earnings CyclicalityEvidence of past revenue declines signals sensitivity to economic or interest-rate cycles. Cyclical earnings make long-run forecasting less certain, increasing the risk that margins and loan demand compress in downturns and reducing the reliability of multi-quarter growth assumptions.
Modest Asset Growth / Limited ScaleLimited asset growth constrains the bank’s ability to expand net interest income and realize scale-driven efficiency gains. Smaller balance-sheet expansion can limit competitive reach, slow revenue diversification, and keep ROE improvement incremental rather than transformational over several quarters.
UBOH FAQ
What was United Bancshares’s price range in the past 12 months?
United Bancshares lowest stock price was $33.00 and its highest was $45.14 in the past 12 months.
What is United Bancshares’s market cap?
United Bancshares’s market cap is $108.09M.
When is United Bancshares’s upcoming earnings report date?
United Bancshares’s upcoming earnings report date is Oct 15, 2026 which is in 38 days.
How were United Bancshares’s earnings last quarter?
United Bancshares released its earnings results on Apr 17, 2026. The company reported $1.32 earnings per share for the quarter.
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 $0.26 which represents an annual dividend yield of 2.49%. 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?
United Bancshares reported an EPS of $1.32 in its last earnings report. Following the earnings report the stock price went up 1.472%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.71%
12-Months-Change
Fundamentals
Return on Equity
2.49%
Trailing 12-Months
Asset Growth
20.81%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
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Ownership Overview
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Insiders
0.73% Mutual Funds
0.81% Other Institutional Investors
98.21% Public Companies and
Individual Investors