United Bancshares (UBOH) AI Stock Analysis

• Market Cap: $102.40M
• Dividend Yield: 2.05%
• Average Volume (3M): 2.52K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.19
• Revenue Growth: 10.90%
• EPS Growth: 42.60%
• Country: US
• Employees: 211
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.04
• Shares Outstanding: 2,748,899
• 10 Day Avg. Volume: 1,534
• 30 Day Avg. Volume: 2,516
• PEG Ratio: 0.33
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 1.94
• P/FCF Ratio: 9.15
• Enterprise Value/Market Cap: 0.73
• Enterprise Value/Revenue: 1.15
• Enterprise Value/Gross Profit: 1.66
• Enterprise Value/Ebitda: 5.95
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: $42.00 ▲(0.00% Upside)
• Action: Reiterated Date: 04/02/26
• Date: Action: Reiterated 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.

United Bancshares Business Overview & Revenue Model

Company Description

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...

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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...

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...

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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

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	65.36M	65.95M	61.70M	52.84M	47.00M	53.72M
Gross Profit	45.17M	47.04M	41.83M	39.13M	44.74M	50.35M
EBITDA	12.64M	13.52M	9.92M	11.12M	14.14M	17.62M
Net Income	11.41M	11.99M	9.15M	8.61M	11.31M	13.58M
Balance Sheet
Total Assets	1.20B	1.19B	1.19B	1.07B	1.09B	1.08B
Cash, Cash Equivalents and Short-Term Investments	91.80M	51.88M	95.28M	278.42M	311.97M	382.84M
Total Debt	16.59M	16.57M	18.08M	18.04M	20.54M	19.99M
Total Liabilities	1.10B	1.08B	1.09B	977.57M	1.00B	957.46M
Stockholders Equity	101.12M	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

• Technical Analysis Sentiment: Negative
• Last Price: 42.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBOH, the sentiment is Negative. The current price of 42 is above the 20-day moving average (MA) of 39.06, above the 50-day MA of 39.38, and above the 200-day MA of 35.58, indicating a neutral trend. The MACD of -0.52 indicates Positive momentum. The RSI at 37.07 is Neutral, neither overbought nor oversold. The STOCH value of 10.78 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UBOH.

United Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	75 Outperform	$115.83M	8.58	9.18%	1.81%	12.08%	27.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBOH	67 Neutral	$102.40M	10.64	11.39%	2.05%	10.90%	42.60%
SFBC	65 Neutral	$114.63M	15.59	6.70%	1.75%	2.85%	73.41%
SRBK	59 Neutral	$134.23M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$112.68M	9.78	14.80%	6.08%	14.52%	27.90%
BSBK	50 Neutral	$110.59M	51.05	1.50%	―	-15.09%	―