UBOHOTCNational Commercial BanksFiscal year ends December 31
UNITED BANCSHARES INC/OH
Financials through Q4 FY2022, quarter ended Dec 31, 2022Last filing: 10-K on Mar 13, 2023
$40.27+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $129.14M
- P/E (TTM)
- 11.6
- Dividend yield
- 2.09%
United Bancshares statistics
Financials through Dec 31, 2022, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | United Bancshares | Industry median |
|---|---|---|
| Market Cap | $126.29M | $679.86M |
| Enterprise Value | $95.61M | $418.07M |
| PE Ratio | 11.64 | 12.00 |
| PS Ratio | 102.51 | 3.62 |
| PB Ratio | 1.53 | 1.18 |
| P/TBV Ratio | 2.35 | 1.42 |
| P/FCF Ratio | 9.57 | 10.93 |
| P/OCF Ratio | 7.53 | 10.04 |
Enterprise value
| Measure | United Bancshares | Industry median |
|---|---|---|
| EV / Sales | 77.61 | 2.78 |
| EV / FCF | 7.24 | 8.40 |
Income (trailing twelve months)
| Measure | United Bancshares | Industry median |
|---|---|---|
| Revenue | $1.23M | $170.85M |
| Pretax Income | $12.52M | $70.12M |
| Net Income | $11.31M | $54.33M |
| EPS (Diluted) | $3.46 | $2.90 |
Margins
| Measure | United Bancshares | Industry median |
|---|---|---|
| Pretax Margin | 1016.6% | 36.4% |
| Profit Margin | 918.0% | 29.1% |
| FCF Margin | 1071.4% | 33.0% |
Returns
| Measure | United Bancshares | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.2% | 10.5% |
| Return on Assets (ROA) | 1.05% | 1.12% |
Growth
| Measure | United Bancshares | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 13.0% | 11.8% |
| Net Income Growth (YoY) | -16.7% | 23.1% |
| EPS Growth (YoY) | -15.0% | 22.7% |
| FCF Growth (YoY) | -41.3% | 27.1% |
| Revenue Growth (3Y CAGR) | -6.06% | 5.82% |
| Revenue Growth (5Y CAGR) | -5.51% | 6.17% |
| EPS Growth (3Y CAGR) | -89.8% | 1.26% |
| EPS Growth (5Y CAGR) | 24.0% | 8.24% |
Balance sheet
| Measure | United Bancshares | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $30.68M | $205.54M |
| Net Cash (Debt) | $30.68M | $164.40M |
| Net Cash Per Share | $9.78 | $8.13 |
| Equity (Book Value) | $82.69M | $560.44M |
| Book Value Per Share | $26.37 | $28.47 |
| Tangible Book Value | $53.72M | $472.29M |
Cash flow (trailing twelve months)
| Measure | United Bancshares | Industry median |
|---|---|---|
| Operating Cash Flow | $16.78M | $61.20M |
| Capital Expenditures | -$3.58M | -$4.02M |
| Free Cash Flow | $13.20M | $52.43M |
| FCF Per Share | $4.21 | $3.07 |
Efficiency
| Measure | United Bancshares | Industry median |
|---|---|---|
| Asset Turnover | 0.00 | 0.04 |
| Revenue Per Employee | $6.88K | $357.09K |
| Profits Per Employee | $63.18K | $107.23K |
| Employee Count | 179 | 528 |
Dividends and yields
| Measure | United Bancshares | Industry median |
|---|---|---|
| Earnings Yield | 8.96% | 8.07% |
| FCF Yield | 10.5% | 8.89% |
| Dividend Yield | 2.09% | 2.48% |
| Buyback Yield | 2.28% | 1.52% |
| Shareholder Yield | 4.36% | 3.13% |
| Dividend Per Share | $0.84 | $0.93 |
| Dividend Growth (YoY) | 15.1% | 4.26% |
| Years of Dividend Growth | 2 | 2 |
| Payout Ratio | 24.3% | 29.4% |
| FCF Payout Ratio | 20.8% | 26.0% |
Shares
| Measure | United Bancshares | Industry median |
|---|---|---|
| Shares Outstanding | 3,136,180 | 18,910,300 |
| Shares Change (YoY) | -2.20% | 0.39% |
| Float | 3,136,180 | 16,895,350 |
| Shares Held by Insiders | 0.00% | 5.92% |
| Shares Held by Institutions | 0.71% | 61.9% |
Taxes
| Measure | United Bancshares | Industry median |
|---|---|---|
| Income Tax | $1.21M | $14.50M |
| Effective Tax Rate | 9.69% | 21.1% |
Scores
| Measure | United Bancshares | Industry median |
|---|---|---|
| Graham Number | $45.31 | $45.31 |
| Graham Upside | 12.5% | 21.6% |
| Altman Z-Score | 0.22 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from United Bancshares's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.