UBOH
United Bancshares, Inc.
Price Chart
Latest Quote
$37.10
-0.05 (-0.13%)
Current Price
| Previous Close | $37.15 |
| Open | $37.15 |
| Day High | $37.15 |
| Day Low | $37.10 |
| Volume | 500 |
Stock Information
| Quarterly Dividend / Yield | $1.00 / 2.69% |
| Shares Outstanding | 2.75M |
| Quarterly Dividend Yield | 2.69% |
| Quarterly Dividend | $1.00 |
| Total Debt | $16.31M |
| Cash Equivalents | $52.63M |
| Revenue | $48.47M |
| Net Income | $12.88M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $109.61M |
| P/E Ratio | 8.49 |
| EPS (TTM) | $4.37 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $65.57M |
| Sales | $48.47M |
| Income | $12.88M |
| Book/sh | $38.47 |
| Cash/sh | $19.11 |
Financial Ratios
| EPS Growth TTM | 31.70% |
Returns & Margins
| ROA | 1.07% |
| ROE | 12.60% |
| Operating Margin | 33.13% |
| Profit Margin | 26.58% |
Ownership
| Institutional Ownership | 1.57% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | 1.99 |
| P/S | 2.26 |
| P/B | 0.96 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $37.04 |
| SMA50 | $37.33 |
| SMA200 | $36.98 |
| RSI | 58.55 |
| ATR | 0.1033 |
| Short Float | 0.04% |
| Short Ratio | 0.37 |
| Volatility | -0.13 |
| Rel Volume | 0.23 |
Performance History
| Week | +0.51% |
| Month | -0.13% |
| Quarter | -4.84% |
| 6 Months | +9.18% |
| YTD | -12.64% |
| Year | +38.61% |
| 10 Years | +103.19% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-04 | $37.10 | 500 |
| 2026-06-03 | $37.16 | 0 |
| 2026-06-02 | $37.16 | 0 |
| 2026-06-01 | $37.16 | 0 |
| 2026-05-29 | $37.16 | 0 |
| 2026-05-28 | $36.91 | 0 |
| 2026-05-27 | $36.91 | 0 |
| 2026-05-26 | $36.91 | 900 |
| 2026-05-22 | $36.92 | 0 |
| 2026-05-21 | $36.92 | 21,900 |
| 2026-05-20 | $36.95 | 10,600 |
| 2026-05-19 | $36.95 | 8,200 |
| 2026-05-18 | $37.41 | 100 |
| 2026-05-15 | $36.87 | 0 |
| 2026-05-14 | $36.87 | 0 |
| 2026-05-13 | $36.87 | 300 |
| 2026-05-12 | $37.13 | 0 |
| 2026-05-11 | $37.13 | 0 |
| 2026-05-08 | $37.13 | 0 |
| 2026-05-07 | $37.13 | 800 |
| 2026-05-06 | $37.13 | 1,200 |
| 2026-05-05 | $37.15 | 0 |
About United Bancshares, Inc.
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, including checking, savings, demand, and money market deposits; and offers individual retirement accounts, as well as certificates of deposit. It also provides residential 1-4 family loans, including 1-4 family nonowner occupied, home equity loans, and lines of credit; commercial and multifamily real estate loans, including commercial real estate nonowner and owner occupied, construction and development, agriculture land, and other commercial real estate loans; commercial loans, such as commercial working capital, term, and agriculture production loans; consumer loans, including consumer direct and overdraft credit lines; mortgage and personal loans; and loans for cars, trucks, and boats, as well as auto and recreational loans. In addition, the company provides digital banking, credit cards, wealth management, treasury management, merchant services, and online banking. It operates full-service banking centers and loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.
Period:
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Income Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Revenue | |||
| Total Revenue | $38,743,000 | $43,741,000 | $50,649,000 |
| Operating Revenue | $38,743,000 | $43,741,000 | $50,649,000 |
| Expenses | |||
| Interest Expense | $14,094,000 | $3,258,000 | $3,069,000 |
| Selling And Marketing Expense | $973,000 | $1,750,000 | $2,284,000 |
| General And Administrative Expense | $16,252,000 | $18,752,000 | $20,973,000 |
| Professional Expense And Contract Services Expense | $1,554,000 | $1,346,000 | $1,031,000 |
| Other Non Interest Expense | $6,405,000 | $5,793,000 | $5,358,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $8,606,000 | $11,310,000 | $13,581,000 |
| Net Interest Income | $33,107,000 | $35,684,000 | $35,735,000 |
| Interest Income | $47,201,000 | $38,942,000 | $38,804,000 |
| Normalized Income | $8,606,000 | $11,310,000 | $13,581,000 |
| Net Income From Continuing And Discontinued Operation | $8,606,000 | $11,310,000 | $13,581,000 |
| Net Income Common Stockholders | $8,606,000 | $11,310,000 | $13,581,000 |
| Net Income | $8,606,000 | $11,310,000 | $13,581,000 |
| Net Income Including Noncontrolling Interests | $8,606,000 | $11,310,000 | $13,581,000 |
| Net Income Continuous Operations | $8,606,000 | $11,310,000 | $13,581,000 |
| Pretax Income | $9,289,000 | $12,524,000 | $16,075,000 |
| Depreciation Amortization Depletion Income Statement | $139,000 | $140,000 | $143,000 |
| Depreciation And Amortization In Income Statement | $139,000 | $140,000 | $143,000 |
| Amortization Of Intangibles Income Statement | $139,000 | $140,000 | $143,000 |
| Per Share | |||
| Diluted EPS | $2.80 | $3.47 | $4.14 |
| Basic EPS | $2.80 | $3.47 | $4.14 |
| Other | |||
| Tax Effect Of Unusual Items | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Reconciled Depreciation | $1,827,000 | $1,612,000 | $1,543,000 |
| Diluted Average Shares | $3,075,780 | $3,259,924 | $3,277,062 |
| Basic Average Shares | $3,072,468 | $3,259,924 | $3,277,062 |
| Diluted NI Availto Com Stockholders | $8,606,000 | $11,310,000 | $13,581,000 |
| Tax Provision | $683,000 | $1,214,000 | $2,494,000 |
| Gain On Sale Of Security | $-68,000 | $-114,000 | $-16,000 |
| Amortization | $139,000 | $140,000 | $143,000 |
| Selling General And Administration | $17,225,000 | $20,502,000 | $23,257,000 |
| Insurance And Claims | $492,000 | $300,000 | $271,000 |
| Salaries And Wages | $15,760,000 | $18,452,000 | $20,702,000 |
| Occupancy And Equipment | $4,522,000 | $4,436,000 | $4,485,000 |
| Other Gand A | - | - | $2,443,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $65,088,000 | $53,716,000 | $89,980,000 |
| Total Assets | $1,071,498,000 | $1,087,293,000 | $1,076,556,000 |
| Goodwill And Other Intangible Assets | $28,836,000 | $28,975,000 | $29,115,000 |
| Other Intangible Assets | $220,000 | $359,000 | $499,000 |
| Cash And Cash Equivalents | $26,915,000 | $30,680,000 | $75,202,000 |
| Cash Financial | $14,403,000 | $20,756,000 | $11,654,000 |
| Cash Cash Equivalents And Federal Funds Sold | $26,915,000 | $30,680,000 | $75,202,000 |
| Debt | |||
| Total Debt | $18,043,000 | $20,509,000 | $19,976,000 |
| Long Term Debt And Capital Lease Obligation | $18,043,000 | $19,009,000 | $19,976,000 |
| Long Term Debt | $18,043,000 | $19,009,000 | $19,976,000 |
| Current Debt And Capital Lease Obligation | $0 | $1,500,000 | $0 |
| Current Debt | $0 | $1,500,000 | $0 |
| Other Current Borrowings | - | - | $12,000 |
| Liabilities | |||
| Total Liabilities Net Minority Interest | $977,574,000 | $1,004,602,000 | $957,461,000 |
| Equity | |||
| Common Stock Equity | $93,924,000 | $82,691,000 | $119,095,000 |
| Total Equity Gross Minority Interest | $93,924,000 | $82,691,000 | $119,095,000 |
| Stockholders Equity | $93,924,000 | $82,691,000 | $119,095,000 |
| Gains Losses Not Affecting Retained Earnings | $-30,658,000 | $-38,366,000 | $3,993,000 |
| Other Equity Adjustments | $-30,658,000 | $-38,366,000 | $3,993,000 |
| Retained Earnings | $118,300,000 | $112,466,000 | $103,903,000 |
| Other | |||
| Treasury Shares Number | $784,927 | $663,869 | $487,972 |
| Ordinary Shares Number | $3,036,757 | $3,153,368 | $3,272,585 |
| Share Issued | $3,821,684 | $3,817,237 | $3,760,557 |
| Tangible Book Value | $65,088,000 | $53,716,000 | $89,980,000 |
| Invested Capital | $111,967,000 | $103,200,000 | $139,071,000 |
| Total Capitalization | $111,967,000 | $101,700,000 | $139,071,000 |
| Treasury Stock | $14,859,000 | $12,271,000 | $8,900,000 |
| Additional Paid In Capital | $17,319,000 | $17,045,000 | $16,305,000 |
| Capital Stock | $3,822,000 | $3,817,000 | $3,794,000 |
| Common Stock | $3,822,000 | $3,817,000 | $3,794,000 |
| Line Of Credit | $0 | $1,500,000 | $0 |
| Investments And Advances | $251,505,000 | $281,286,000 | $307,642,000 |
| Goodwill | $28,616,000 | $28,616,000 | $28,616,000 |
| Net PPE | $24,308,000 | $24,147,000 | $21,840,000 |
| Accumulated Depreciation | $-12,333,000 | $-11,240,000 | $-10,294,000 |
| Gross PPE | $36,641,000 | $35,387,000 | $32,134,000 |
| Other Properties | $8,415,000 | $7,198,000 | $7,222,000 |
| Buildings And Improvements | $24,127,000 | $24,108,000 | $20,831,000 |
| Land And Improvements | $4,099,000 | $4,081,000 | $4,081,000 |
| Other Short Term Investments | $251,505,000 | $281,286,000 | $307,642,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $11,197,000 | $13,200,000 | $22,480,000 |
| Operating Activities | |||
| Operating Cash Flow | $12,833,000 | $16,778,000 | $26,438,000 |
| Cash Flow From Continuing Operating Activities | $12,833,000 | $16,778,000 | $26,438,000 |
| Operating Gains Losses | $-1,988,000 | $-1,735,000 | $-13,197,000 |
| Investing Activities | |||
| Capital Expenditure | $-1,636,000 | $-3,578,000 | $-3,958,000 |
| Investing Cash Flow | $16,038,000 | $-103,028,000 | $-96,517,000 |
| Cash Flow From Continuing Investing Activities | $16,038,000 | $-103,028,000 | $-96,517,000 |
| Net Other Investing Changes | $1,777,000 | $2,611,000 | $469,000 |
| Financing Activities | |||
| Repurchase Of Capital Stock | $-2,807,000 | $-3,073,000 | $-755,000 |
| Issuance Of Capital Stock | $301,000 | $243,000 | $243,000 |
| Financing Cash Flow | $-32,636,000 | $41,728,000 | $88,247,000 |
| Cash Flow From Continuing Financing Activities | $-32,636,000 | $41,728,000 | $88,247,000 |
| Net Other Financing Charges | $-241,000 | $-235,000 | $-170,000 |
| Cash Dividends Paid | $-2,772,000 | $-2,747,000 | $-2,394,000 |
| Net Common Stock Issuance | $-2,506,000 | $-2,830,000 | $-512,000 |
| Common Stock Issuance | $301,000 | $243,000 | $243,000 |
| Common Stock Dividend Paid | - | - | $-2,394,000 |
| Other | |||
| Repayment Of Debt | $-26,079,000 | $-1,000,000 | $-7,750,000 |
| Interest Paid Supplemental Data | $13,798,000 | $3,171,000 | $3,165,000 |
| Income Tax Paid Supplemental Data | $550,000 | $0 | $2,370,000 |
| End Cash Position | $26,915,000 | $30,680,000 | $75,202,000 |
| Beginning Cash Position | $30,680,000 | $75,202,000 | $57,034,000 |
| Changes In Cash | $-3,765,000 | $-44,522,000 | $18,168,000 |
| Common Stock Payments | $-2,807,000 | $-3,073,000 | $-755,000 |
| Net Issuance Payments Of Debt | $-26,079,000 | $24,067,000 | $-738,000 |
| Net Long Term Debt Issuance | $-26,079,000 | $24,067,000 | $-738,000 |
| Long Term Debt Payments | $-26,079,000 | $-1,000,000 | $-7,750,000 |
| Net Investment Purchase And Sale | $38,757,000 | $-28,282,000 | $-118,166,000 |
| Sale Of Investment | $39,566,000 | $23,293,000 | $34,378,000 |
| Purchase Of Investment | $-809,000 | $-51,575,000 | $-152,544,000 |
| Net PPE Purchase And Sale | $-1,636,000 | $-3,578,000 | $-3,958,000 |
| Purchase Of PPE | $-1,636,000 | $-3,578,000 | $-3,958,000 |
| Change In Working Capital | $891,000 | $-1,377,000 | $725,000 |
| Change In Other Current Liabilities | $272,000 | $-421,000 | $-833,000 |
| Change In Other Current Assets | $619,000 | $-956,000 | $1,558,000 |
| Other Non Cash Items | $3,487,000 | $5,413,000 | $21,624,000 |
| Stock Based Compensation | $197,000 | $222,000 | $183,000 |
| Deferred Tax | $-144,000 | $1,619,000 | $1,380,000 |
| Deferred Income Tax | $-144,000 | $1,619,000 | $1,380,000 |
| Depreciation Amortization Depletion | $1,827,000 | $1,612,000 | $1,543,000 |
| Depreciation And Amortization | $1,827,000 | $1,612,000 | $1,543,000 |
| Gain Loss On Investment Securities | $68,000 | $114,000 | $16,000 |
| Gain Loss On Sale Of PPE | $22,000 | $21,000 | $255,000 |
| Net Income From Continuing Operations | $8,606,000 | $11,310,000 | $13,581,000 |
| Issuance Of Debt | - | $25,067,000 | $7,012,000 |
| Long Term Debt Issuance | - | $25,067,000 | $7,012,000 |
| Asset Impairment Charge | - | - | $0 |
Fetched: 2026-02-02