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United Bancshares
(OTC:UBOH)
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Rating:67Neutral
Price Target:
$42.00
▲(0.00% Upside)
Action:Reiterated
Date:04/02/26
The score is driven primarily by solid and improving financial performance (re-accelerating revenue, expanding margins, and conservative leverage) and supportive valuation (low P/E with a moderate dividend). Offsetting these positives, technicals are weak with negative MACD, low RSI/stochastic, and the stock trading below key short-to-mid-term moving averages, which weighs on near-term sentiment.
Positive Factors
Revenue and margin improvement
United 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.
Negative Factors
Volatile cash flow history
Historical 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and margin improvement
United 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.
Read all positive factors
United Bancshares (UBOH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$102.60M
Dividend Yield2.05%
Average Volume (3M)2.52K
Price to Earnings (P/E)8.4
Beta (1Y)0.17
Revenue Growth5.41%
EPS Growth30.15%
CountryUS
Employees211
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
United Bancshares Business Overview & Revenue Model
Company Description
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 certific...
How the Company Makes Money
United Bancshares primarily makes money through its bank subsidiary’s net interest income—earning interest on loans and investment securities and paying interest on deposits and other funding sources; the spread between these rates (net interest m...
United Bancshares Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 66.98M | 65.95M | 61.70M | 52.84M | 47.00M | 53.72M |
| Gross Profit | 48.47M | 47.04M | 41.83M | 39.13M | 44.74M | 50.35M |
| EBITDA | 14.59M | 15.30M | 9.92M | 11.12M | 14.14M | 17.62M |
| Net Income | 12.88M | 11.99M | 9.15M | 8.61M | 11.31M | 13.58M |
Balance Sheet | ||||||
| Total Assets | 1.22B | 1.19B | 1.19B | 1.07B | 1.09B | 1.08B |
| Cash, Cash Equivalents and Short-Term Investments | 52.63M | 51.88M | 95.28M | 278.42M | 311.97M | 382.84M |
| Total Debt | 16.31M | 16.57M | 18.08M | 18.04M | 20.54M | 19.99M |
| Total Liabilities | 1.11B | 1.08B | 1.09B | 977.57M | 1.00B | 957.46M |
| Stockholders Equity | 106.11M | 113.66M | 94.74M | 93.92M | 82.69M | 119.09M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 13.95M | 5.20M | 11.20M | 13.20M | 22.48M |
| Operating Cash Flow | 0.00 | 15.15M | 6.93M | 12.83M | 16.78M | 26.44M |
| Investing Cash Flow | 0.00 | -39.11M | -51.35M | 16.04M | -103.03M | -96.52M |
| Financing Cash Flow | 0.00 | -19.49M | 112.78M | -32.64M | 41.73M | 88.25M |
United Bancshares Technical Analysis
Neutral
42.00
Price Trends
37.24
Positive
37.84
Negative
37.63
Negative
Market Momentum
-0.01
Positive
49.40
Neutral
24.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBOH, the sentiment is Neutral. The current price of 42 is above the 20-day moving average (MA) of 37.42, above the 50-day MA of 37.24, and above the 200-day MA of 37.63, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 49.40 is Neutral, neither overbought nor oversold. The STOCH value of 24.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UBOH.
United Bancshares Risk Analysis
United Bancshares disclosed 28 risk factors in its most recent earnings report. United Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
United Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $113.36M | 9.75 | 9.28% | 1.81% | 8.55% | 25.00% | |
68 Neutral | $121.38M | 15.84 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $102.60M | 8.40 | 12.01% | 2.05% | 5.41% | 30.15% | |
63 Neutral | $147.89M | 32.84 | 2.44% | 0.88% | 15.21% | 2015.08% | |
59 Neutral | $118.58M | 9.73 | 14.94% | 6.08% | 7.05% | 28.58% | |
54 Neutral | $115.43M | 53.75 | 1.47% | ― | 23.30% | ― |
* Financial Sector Average
UBOH
United Bancshares
37.33
9.13
32.39%
MGYR
Magyar Bancorp
17.55
1.13
6.85%
UNB
Union Bankshares
25.40
0.19
0.75%
SFBC
Sound Financial Bancorp
46.88
2.91
6.63%
BSBK
Bogota Financial
9.02
1.00
12.47%
SRBK
SR Bancorp, Inc.
19.65
5.52
39.07%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.