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STOCKS

United Bancshares (UBOH)

OTHER OTC:UBOH

UBOH

United Bancshares

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United Bancshares (UBOH) Ratios

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United Bancshares Ratios

UBOH's free cash flow for Q2 2025 was $0.70. For the 2025 fiscal year, UBOH's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.08	0.29	0.33	0.41
Quick Ratio	0.00	0.08	0.29	0.33	0.41
Cash Ratio	0.00	0.08	0.03	0.03	0.08
Solvency Ratio	0.01	<0.01	0.01	0.01	0.02
Operating Cash Flow Ratio	0.00	<0.01	0.01	0.02	0.03
Short-Term Operating Cash Flow Coverage	0.00	24.16	48.06	10.96	2.20K
Net Current Asset Value	$ -1.03B	$ -999.31M	$ -699.15M	$ -692.64M	$ -574.62M
Leverage Ratios
Debt-to-Assets Ratio	0.01	0.02	0.02	0.02	0.02
Debt-to-Equity Ratio	0.15	0.19	0.19	0.25	0.17
Debt-to-Capital Ratio	0.13	0.16	0.16	0.20	0.14
Long-Term Debt-to-Capital Ratio	0.13	0.15	0.16	0.19	0.14
Financial Leverage Ratio	10.50	12.55	11.41	13.15	9.04
Debt Service Coverage Ratio	0.30	0.43	0.73	2.70	4.91
Interest Coverage Ratio	0.38	0.47	0.66	3.84	5.24
Debt to Market Cap	0.14	0.19	0.31	0.34	0.20
Interest Debt Per Share	11.82	13.06	10.46	7.30	7.04
Net Debt to EBITDA	-5.06	-7.78	-0.80	-0.72	-3.13
Profitability Margins
Gross Profit Margin	71.33%	67.80%	74.07%	95.20%	93.73%
EBIT Margin	10.58%	16.07%	17.58%	26.65%	29.92%
EBITDA Margin	10.58%	16.07%	21.04%	30.08%	32.80%
Operating Profit Margin	10.58%	16.07%	17.58%	26.65%	29.92%
Pretax Profit Margin	20.50%	16.07%	17.58%	26.65%	29.92%
Net Profit Margin	18.19%	14.84%	16.29%	24.06%	25.28%
Continuous Operations Profit Margin	18.19%	14.84%	16.29%	24.06%	25.28%
Net Income Per EBT	88.71%	92.32%	92.65%	90.31%	84.49%
EBT Per EBIT	193.71%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.01%	0.77%	0.80%	1.04%	1.26%
Return on Equity (ROE)	11.39%	9.66%	9.16%	13.68%	11.40%
Return on Capital Employed (ROCE)	0.58%	25.18%	7.83%	9.50%	11.00%
Return on Invested Capital (ROIC)	0.52%	23.08%	7.24%	8.48%	9.29%
Return on Tangible Assets	1.01%	0.79%	0.83%	1.07%	1.30%
Earnings Yield	10.31%	9.87%	14.54%	18.53%	13.57%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	2.17	1.95	2.46
Asset Turnover	0.06	0.05	0.05	0.04	0.05
Working Capital Turnover Ratio	-0.14	-0.07	-0.08	-0.08	-0.09
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	2.32	4.18	5.15	8.07
Free Cash Flow Per Share	0.00	1.74	3.64	4.05	6.86
CapEx Per Share	0.00	0.58	0.53	1.10	1.21
Free Cash Flow to Operating Cash Flow	0.00	0.75	0.87	0.79	0.85
Dividend Paid and CapEx Coverage Ratio	0.00	1.59	2.91	2.65	4.16
Capital Expenditure Coverage Ratio	0.00	4.00	7.84	4.69	6.68
Operating Cash Flow Coverage Ratio	0.00	0.38	0.71	0.82	1.32
Operating Cash Flow to Sales Ratio	0.00	0.11	0.24	0.36	0.49
Free Cash Flow Yield	0.00%	5.61%	18.92%	21.63%	22.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.69	10.13	6.88	5.40	7.37
Price-to-Sales (P/S) Ratio	1.77	1.50	1.12	1.30	1.86
Price-to-Book (P/B) Ratio	1.02	0.98	0.63	0.74	0.84
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	17.84	5.28	4.62	4.45
Price-to-Operating Cash Flow Ratio	0.00	13.38	4.61	3.64	3.79
Price-to-Earnings Growth (PEG) Ratio	19.49	1.09	-0.36	-0.33	-4.43
Price-to-Fair Value	1.02	0.98	0.63	0.74	0.84
Enterprise Value Multiple	11.62	1.57	4.53	3.60	2.55
Enterprise Value	81.10M	15.54M	50.30M	50.89M	44.90M
EV to EBITDA	11.62	1.57	4.53	3.60	2.55
EV to Sales	1.23	0.25	0.95	1.08	0.84
EV to Free Cash Flow	0.00	2.99	4.49	3.85	2.00
EV to Operating Cash Flow	0.00	2.24	3.92	3.03	1.70
Tangible Book Value Per Share	38.36	22.07	21.18	16.48	27.46
Shareholders’ Equity Per Share	38.36	31.67	30.57	25.37	36.34
Tax and Other Ratios
Effective Tax Rate	0.11	0.08	0.07	0.10	0.16
Revenue Per Share	22.26	20.62	17.20	14.42	16.39
Net Income Per Share	4.05	3.06	2.80	3.47	4.14
Tax Burden	0.89	0.92	0.93	0.90	0.84
Interest Burden	1.94	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.32	0.31	0.40	0.39
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	0.00	0.76	1.49	1.48	1.95

Currency in USD