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United Bancshares
(OTC:UBOH)
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Rating:75Outperform
Price Target:
$48.00
▲(22.29% Upside)
Action:Upgraded
Date:08/04/26
UBOH scores well primarily on improving financial performance (re-accelerating revenue, expanding margins, and conservative leverage) and supportive technicals (price above key moving averages with positive MACD). The score is tempered by overbought momentum signals (RSI/Stoch) and historically choppy cash-flow consistency. Valuation adds support with a low P/E and a moderate dividend yield.
Positive Factors
Reaccelerating Revenue
The renewed acceleration in revenue indicates improving demand and operating momentum after weaker earlier years. If sustained, stronger top-line growth can broaden the bank’s earnings base, support reinvestment, and improve its ability to compound results over the next several quarters.
Negative Factors
Historical Revenue Cyclicality
The earlier revenue contraction demonstrates that United Bancshares’ earnings base has been sensitive to the operating environment. Although recent growth improved, this history creates a durable risk that weaker conditions could again slow revenue and make future earnings performance less predictable.
Read all positive and negative factors
Positive Factors
Negative Factors
Reaccelerating Revenue
The renewed acceleration in revenue indicates improving demand and operating momentum after weaker earlier years. If sustained, stronger top-line growth can broaden the bank’s earnings base, support reinvestment, and improve its ability to compound results over the next several quarters.
Read all positive factors
United Bancshares (UBOH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$115.60M
Dividend Yield2.29%
Average Volume (3M)4.27K
Price to Earnings (P/E)8.5
Beta (1Y)0.14
Revenue Growth6.24%
EPS Growth21.36%
CountryUS
Employees211
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.87
Shares Outstanding2,704,116
10 Day Avg. Volume479
30 Day Avg. Volume4,267
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 Cap1.86
Enterprise Value/Revenue3.09
Enterprise Value/Gross Profit4.39
Enterprise Value/Ebitda14.33
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...
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 | 69.60M | 65.95M | 61.70M | 52.84M | 47.00M | 53.72M |
| Gross Profit | 48.96M | 47.04M | 41.83M | 39.13M | 44.74M | 50.35M |
| EBITDA | 14.99M | 15.30M | 9.92M | 11.12M | 14.14M | 17.62M |
| Net Income | 13.59M | 11.99M | 9.15M | 8.61M | 11.31M | 13.58M |
Balance Sheet | ||||||
| Total Assets | 1.46B | 1.19B | 1.19B | 1.07B | 1.09B | 1.08B |
| Cash, Cash Equivalents and Short-Term Investments | 57.12M | 51.88M | 95.28M | 278.42M | 311.97M | 382.84M |
| Total Debt | 163.63M | 16.57M | 18.08M | 18.04M | 20.54M | 19.99M |
| Total Liabilities | 1.36B | 1.08B | 1.09B | 977.57M | 1.00B | 957.46M |
| Stockholders Equity | 95.04M | 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
Positive
39.25
Price Trends
40.02
Positive
38.81
Positive
38.55
Positive
Market Momentum
0.65
Negative
69.76
Neutral
66.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBOH, the sentiment is Positive. The current price of 39.25 is below the 20-day moving average (MA) of 40.75, below the 50-day MA of 40.02, and above the 200-day MA of 38.55, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 69.76 is Neutral, neither overbought nor oversold. The STOCH value of 66.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $130.66M | 10.02 | 10.23% | 1.88% | 8.91% | 30.08% | |
75 Outperform | $115.60M | 8.50 | 12.78% | 2.29% | 6.24% | 21.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $115.56M | 13.27 | 7.76% | 1.87% | 0.49% | 26.64% | |
60 Neutral | $116.87M | 8.98 | 15.07% | 6.31% | 3.17% | 5.55% | |
57 Neutral | $117.79M | 43.95 | 1.83% | ― | 21.45% | ― | |
54 Neutral | $135.76M | 37.20 | 2.02% | 1.16% | 9.63% | 37.01% |
* Financial Sector Average
UBOH
United Bancshares
42.75
8.60
25.17%
MGYR
Magyar Bancorp
20.24
3.59
21.56%
UNB
Union Bankshares
23.63
1.79
8.19%
SFBC
Sound Financial Bancorp
45.00
1.18
2.69%
BSBK
Bogota Financial
9.23
0.56
6.46%
SRBK
SR Bancorp, Inc.
18.97
4.43
30.48%
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.