United Bancshares (UBOH)

OTHER OTC:UBOH

UBOH

United Bancshares

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United Bancshares (UBOH) Price & Analysis

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UBOH Stock Chart & Stats

$42.00

-$0.53(-1.77%)

At close: Jan 07 4:00 PM EST

$42.00

-$0.53(-1.77%)

Day’s Range― - ―

52-Week Range$22.75 - $45.14

Previous CloseN/A

Volume469.00

Average Volume (3M)2.52K

Market Cap

$104.76M

Enterprise Value$77.72M

Total Cash (Recent Filing)$91.80M

Total Debt (Recent Filing)$16.59M

Price to Earnings (P/E)10.6

Beta0.21

Next Earnings

Apr 16, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.05%

Share Statistics

EPS (TTM)1.04

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 Cap0.74

Enterprise Value/Revenue1.19

Enterprise Value/Gross Profit1.72

Enterprise Value/Ebitda6.15

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 $22.75 and its highest was $45.14 in the past 12 months.

What is United Bancshares’s market cap?

United Bancshares’s market cap is $104.76M.

When is United Bancshares’s upcoming earnings report date?

United Bancshares’s upcoming earnings report date is Apr 16, 2026 which is in 8 days.

How were United Bancshares’s earnings last quarter?

United Bancshares released its earnings results on Jan 22, 2026. The company reported $1.04 earnings per share for the quarter, beating the consensus estimate of N/A by $1.04.

Is United Bancshares overvalued?

According to Wall Street analysts United Bancshares’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does United Bancshares pay dividends?

United Bancshares pays a Quarterly dividend of $0.23 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?

United Bancshares reported an EPS of $1.04 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.779%.

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

Company Description

United Bancshares

United Bancshares, Inc. operates as the bank holding company for The Union Bank Company that provides various commercial and consumer banking services. The company accepts various deposits products, such as checking, savings, demand deposit, money market deposit, term certificate, and individual retirement accounts, as well as certificates of deposit. Its loan products include commercial and residential real estate, agricultural, commercial and industrial, home equity, and various types of consumer and small business administration loans. The company also offers wealth management, financial needs analysis, mutual funds, securities trading, annuities, and life insurance services; and treasury management, online and mobile banking, automatic teller machine, bill pay, safe deposit box rental, payment, and other personalized services. It operates eighteen full service banking centers and three loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.