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United Bancshares, Inc. (UBOH)

Profile

Full Name

United Bancshares, Inc.

Ticker

NASDAQ: UBOH

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

April 2, 1996

Indexes

Not included

Website

https://www.theubank.com

Employees

211

Key Details

Price

$36.10(0.00%)

Market Cap

$106.86M(Small cap)

Last Dividend

$0.23

TTM Dividend Yield

2.49%

Annual Revenue

$61.64M(13.19% YoY)

Annual EPS

$3.06(9.30% YoY)

PE Ratio

9.41

Next earnings date

Oct 17, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $36.10
    UBOH price is $36.10

    30-Day Relative Volume

    0.33
    UBOH 30-day relative volume is 0.33

    Price Performance

    Price 1-Day Change

    0%
    UBOH price is unchanged today

    Price YTD Change

    +16.45%
    UBOH price is up +16.45% since January 1st

    Price 1-Year Change

    -
    UBOH price 1-year change is unknown

    Price 3-Year Change

    +75.67%
    UBOH price is up +75.67% over the past 3 years

    Price Range

    Price All-Time High

    $37.71
    UBOH price is currently -4.27% below its historical high of $37.71

    Price 3-Year Low

    $17.00
    UBOH price is currently +112.35% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $106.86M
    UBOH market cap is $106.86 million

    Market Cap 3-Year Change

    +60.5%
    UBOH market cap is up +60.5% over the past 3 years

    Market Cap All-Time High

    $121.41M
    UBOH market cap is currently -11.99% below its historical high of $121.41 million

    Market Cap Sector Percentile

    18.53%
    UBOH market cap is higher than 18.53% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -0.58%
    UBOH shares outstanding is down -0.58% year-on-year

    Shares Outstanding 3-Year Change

    -8.64%
    UBOH shares outstanding is down -8.64% over the past 3 years

    Technical Indicators

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    Beta

    0.11
    UBOH beta is 0.11

    200-day SMA

    $29.37
    UBOH price is currently +22.91% above its 200-day simple moving average

    50-day SMA

    $34.06
    UBOH price is currently +6.00% above its 50-day simple moving average

    14-Day RSI

    56.29
    UBOH 14-day relative strength index is 56.29

    Volume

    0.33
    UBOH 30-day relative volume is 0.33

    ATR

    $0.47
    UBOH average true range is $0.47

    10-day Historical Volatility

    14.16%
    UBOH 10-day historical volatility is 14.16%

    Dividend

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    Events

    Last Paid Dividend

    $0.23
    UBOH last dividend was $0.23 per share, with an ex-dividend date of August 29, 2025

    Next Dividend

    -
    UBOH next dividend has not yet been announced

    Dividend per share

    Dividend Per Share

    $0.88
    UBOH annual dividend per share is $0.88

    Dividend Per Share Sector Percentile

    46.2%
    UBOH annual dividend per share is higher than 46.2% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    0%
    UBOH annual dividend per share has remained unchanged year-on-year

    Dividend Per Share 3-Year Change

    +20.55%
    UBOH annual dividend per share is up +20.55% over the past 3 years

    Dividend yield

    Dividend Yield

    2.44%
    UBOH annual dividend yield is 2.44%

    Dividend Yield Sector Percentile

    22.48%
    UBOH annual dividend yield is higher than 22.48% of companies in Financial Services sector

    Other

    Payout Ratio

    28.76%
    UBOH annual payout ratio is 28.76%

    Dividends Paid

    $2.63M
    UBOH annual dividends paid is $2.63 million

    Free Cash Flow

    $5.20M
    UBOH annual free cash flow is $5.20 million

    Income Statement

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    Revenue

    Revenue

    $61.64M
    UBOH annual revenue is $61.64 million

    Revenue Analysts Estimate

    -
    UBOH annual revenue consensus analysts' forecast is unknown

    Revenue 1-Year Change

    +13.19%
    UBOH annual revenue is up +13.19% year-on-year

    Revenue Sector Percentile

    43.89%
    UBOH annual revenue is higher than 43.89% of companies in Financial Services sector

    EPS

    EPS

    $3.06
    UBOH annual earnings per share is $3.06

    EPS Analysts Estimate

    -
    UBOH annual earnings per share consensus analysts' forecast is unknown

    EPS 1-Year Change

    +9.3%
    UBOH annual earnings per share is up +9.3% year-on-year

    EPS Sector Percentile

    77.27%
    UBOH annual earnings per share is higher than 77.27% of companies in Financial Services sector

    Profit

    Gross Profit

    $0.00
    UBOH annual gross profit is $0.00

    Gross Margin

    0.00%
    UBOH annual gross profit margin is 0.00%

    Operating Profit

    $9.92M
    UBOH annual operating income is $9.92 million

    Operating Margin

    16.09%
    UBOH annual operating profit margin is 16.09%

    Net Income

    $9.15M
    UBOH annual net profit is $9.15 million

    Net Margin

    14.85%
    UBOH annual net profit margin is 14.85%

    Expenses

    Total Expenses

    $52.48M
    UBOH annual total expenses is $52.48 million

    Operating Expenses

    -$9.92M
    UBOH annual total operating expenses is -$9.92 million

    Cost Of Goods Sold

    -
    UBOH annual cost of goods sold value is unknown

    Selling, General & Administrative Expenses

    $0.00
    UBOH annual SG&A is $0.00

    Depreciation & Amortization

    $1.83M
    UBOH annual D&A is $1.83 million

    Interest Expense

    $20.98M
    UBOH annual interest expense is $20.98 million

    Income Tax

    $762.00K
    UBOH annual income tax is $762.00 thousand

    EBIT & EBITDA

    EBIT

    $30.90M
    UBOH annual earnings before interest & taxes is $30.90 million

    EBITDA

    $32.73M
    UBOH annual EBITDA is $32.73 million

    Balance Sheet

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    Assets

    Total Assets

    $1.19B
    UBOH annual total assets is $1.19 billion

    Non Current Assets

    $1.10B
    UBOH annual long term assets is $1.10 billion

    Current Assets

    $95.28M
    UBOH annual total current assets is $95.28 million

    Cash and Cash Equivalents

    $13.63M
    UBOH annual cash & cash equivalents is $13.63 million

    Accounts Receivable

    -
    UBOH annual accounts receivable value is unknown

    Inventory

    -
    UBOH annual inventory value is unknown

    Liabilities

    Total Liabilities

    $1.10B
    UBOH annual total liabilities is $1.10 billion

    Long Term Liabilities

    $9.19M
    UBOH annual total long term liabilities is $9.19 million

    Current Liabilities

    $1.15B
    UBOH annual current liabilities is $1.15 billion

    Accounts Payable

    -
    UBOH annual accounts payable value is unknown

    Debt

    Total Debt

    $18.08M
    UBOH annual total debt is $18.08 million

    Total Debt 1-Year Change

    -5.35%
    UBOH annual total debt is down -5.35% year-on-year

    Long Term Debt

    $17.80M
    UBOH annual long term debt is $17.80 million

    Short Term Debt

    $287.00K
    UBOH annual short term debt is $287.00 thousand

    Equity & Capital

    Shareholders Equity

    $94.74M
    UBOH annual stockholders equity is $94.74 million

    Book Value

    $94.74M
    UBOH annual book value is $94.74 million

    Retained Earnings

    $124.82M
    UBOH annual retained earnings is $124.82 million

    Working Capital

    -$1.05B
    UBOH annual working capital is -$1.05 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $6.93M
    UBOH annual cash from operations is $6.93 million

    Cash From Operations 1-Year Change

    -23.13%
    UBOH annual cash from operations is down -23.13% year-on-year

    Cash From Investing

    -$51.35M
    UBOH annual cash from investing is -$51.35 million

    Cash From Investing 1-Year Change

    -358.66%
    UBOH annual cash from investing is down -358.66% year-on-year

    Cash From Financing

    $112.78M
    UBOH annual cash from financing is $112.78 million

    Cash From Financing 1-Year Change

    +445.57%
    UBOH annual cash from financing is up +445.57% year-on-year

    CAPEX

    CAPEX

    $1.73M
    UBOH annual capital expenditures is $1.73 million

    CAPEX 1-Year Change

    +5.99%
    UBOH annual capital expenditures is up +5.99% year-on-year

    Free Cash Flow

    Free Cash Flow

    $5.20M
    UBOH annual free cash flow is $5.20 million

    Free Cash Flow 1-Year Change

    -29.58%
    UBOH annual free cash flow is down -29.58% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    0.00%
    UBOH annual gross profit margin is 0.00%

    Operating Margin

    16.09%
    UBOH annual operating profit margin is 16.09%

    Net Margin

    14.85%
    UBOH annual net profit margin is 14.85%

    ROA & ROE

    ROA

    0.81%
    UBOH annual return on assets is 0.81%

    ROE

    9.71%
    UBOH annual return on equity is 9.71%

    Valuation

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    PE Ratio

    PE Ratio

    9.41
    UBOH price to earnings ratio is 9.41

    PE Ratio Sector Percentile

    16.58%
    UBOH price to earnings ratio is higher than 16.58% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    1.06
    UBOH price to book ratio is 1.06

    PB Ratio Sector Percentile

    40.31%
    UBOH price to book ratio is higher than 40.31% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    1.63
    UBOH price to sales ratio is 1.63

    PS Ratio Sector Percentile

    36.39%
    UBOH price to sales ratio is higher than 36.39% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $31.66M
    UBOH enterprise value is $31.66 million

    Enterprise Value Sector Percentile

    5.97%
    UBOH enterprise value is higher than 5.97% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    UBOH EV/EBITDA value is unknown

    EV/EBITDA Sector Percentile

    -
    UBOH EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current Ratio

    0.08
    UBOH annual current ratio is 0.08

    Quick Ratio

    -
    UBOH annual quick ratio value is unknown

    Leverage

    Debt To Equity

    0.19
    UBOH annual debt to equity ratio is 0.19

    Interest Coverage Ratio

    1.47
    UBOH annual interest coverage ratio is 1.47

    Risk & Stability

    F-Score

    -
    UBOH piotroski f-score value is unknown

    Altman Z-Score

    -0.72
    UBOH altman z-score is -0.72

    Analyst ratings

    Recent major analysts updates

    No data about analysts updates

    Institutional Ownership

    Screeners with UBOH included

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    Earnings tomorrow
    • What is the ticker symbol for United Bancshares, Inc.?
    • Does United Bancshares, Inc. pay dividends?
    • What sector is United Bancshares, Inc. in?
    • What industry is United Bancshares, Inc. in?
    • What country is United Bancshares, Inc. based in?
    • When did United Bancshares, Inc. go public?
    • Is United Bancshares, Inc. in the S&P 500?
    • Is United Bancshares, Inc. in the NASDAQ 100?
    • Is United Bancshares, Inc. in the Dow Jones?
    • When was United Bancshares, Inc.'s last earnings report?
    • When does United Bancshares, Inc. report earnings?

    What is the ticker symbol for United Bancshares, Inc.?

    The ticker symbol for United Bancshares, Inc. is NASDAQ:UBOH

    Does United Bancshares, Inc. pay dividends?

    Yes, United Bancshares, Inc. pays dividends. The last payment was $0.23, with an ex-dividend date on August 29, 2025

    What sector is United Bancshares, Inc. in?

    United Bancshares, Inc. is in the Financial Services sector

    What industry is United Bancshares, Inc. in?

    United Bancshares, Inc. is in the Regional Banks industry

    What country is United Bancshares, Inc. based in?

    United Bancshares, Inc. is headquartered in United States

    When did United Bancshares, Inc. go public?

    United Bancshares, Inc.'s initial public offering (IPO) was on April 2, 1996

    Is United Bancshares, Inc. in the S&P 500?

    No, United Bancshares, Inc. is not included in the S&P 500 index

    Is United Bancshares, Inc. in the NASDAQ 100?

    No, United Bancshares, Inc. is not included in the NASDAQ 100 index

    Is United Bancshares, Inc. in the Dow Jones?

    No, United Bancshares, Inc. is not included in the Dow Jones index

    When was United Bancshares, Inc.'s last earnings report?

    United Bancshares, Inc.'s most recent earnings report was on July 17, 2025

    When does United Bancshares, Inc. report earnings?

    The next expected earnings date for United Bancshares, Inc. is October 17, 2025
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