A Business at a Glance
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United Bancshares, Inc. (“ UBOH”), an Ohio corporation, organized in 1985, is headquartered in Columbus Grove, Ohio. We are a financial holding company under the Bank Holding CompanyAct of 1956, as amended (the “ BHCA”), with consolidated total assets of$1.1 billion atDecember 31, 2022. UBOH is regulated a s a one-bank holding company by the Board of Governors of the Federal Reserve System (the “ Federal Reserve Board”), and its principal asset and operating subsidiary is The Union Bank Company, an Ohio state chartered commercial bank (“ Union Bank”). United Bancshares' primary objective is to be a high-performing, relationship-focused financial institution by concentrating its efforts on serving the financial needs of consumers and small businesses in the communities that it serves. As of December 31, 2022, UBOH and its subsidiary (collectively the “ Corporation”) employed a pproximately 211 full-time equivalent employees. United Bancshares, Inc.
| Metric | TTM | FY2022 | FY2021 | FY2020 | FY2019 | FY2017 |
|---|---|---|---|---|---|---|
| Revenue | 0 | - | - | 1.1M | - | 29M |
| Net Income | 11M | 11M | 14M | - | 11M | 3.8M |
| EPS | $3.46 | $3.46 | $4.07 | $4,160.00 | $3.25 | $1.18 |
| Free Cash Flow | 13M | 13M | 22M | 16M | 2.9M | 1.7M |
| ROIC | 5.9% | 4.8% | 11.4% | - | 4.0% | 1.7% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 12.15 | 8.04 | 7.77 | 8.28 | 9.31 |
| Dividends/Share | $0.84 | $0.84 | $0.72 | $0.51 | $0.52 | $0.48 |
| Operating Income | 5.4M | 5.4M | 2.1M | 1.4M | 4.4M | 2.3M |
| Operating Margin | 0.0% | - | - | 126.6% | - | 7.8% |
| ROE | 13.7% | 11.2% | 11.4% | - | 11.2% | 5.2% |
| Shares Outstanding | 3M | 3M | 3M | 3M | 3M | 3M |
UNITED BANCSHARES INC/OH passes 3 of 9 quality checks, indicating weak fundamentals.
UNITED BANCSHARES INC/OH trades at 10.8x trailing earnings, compared to its 15-year median P/E of 15.0x, suggesting it is currently Cheap relative to its historical range. The company's 5-year average ROIC is 5.5%. Total shareholder yield (dividends + buybacks) is 4.6%. At current prices, the estimated annualized return to fair value is +0.0%.
UNITED BANCSHARES INC/OH (UBOH) has a current P/E ratio of 10.8, compared to its historical median P/E of 15.0. The stock is currently considered Cheap based on its historical valuation range.
UNITED BANCSHARES INC/OH (UBOH) has a 5-year average return on invested capital (ROIC) of 5.5%. This is below average and may indicate limited pricing power.
UNITED BANCSHARES INC/OH (UBOH) has a market capitalization of $122M. It is classified as a small-cap stock.
Yes, UNITED BANCSHARES INC/OH (UBOH) pays a dividend with a trailing twelve-month yield of 2.26%. The company also returns capital through share buybacks, with a buyback yield of 2.36%.
Based on historical P/E analysis, UNITED BANCSHARES INC/OH (UBOH) appears cheap. The current P/E of 10.8 is 28% below its historical median of 15.0. The estimated fair value CAGR (P/E method) is 0.0%.
UNITED BANCSHARES INC/OH (UBOH) operates in the National Commercial Banks industry, within the Financials sector.
UNITED BANCSHARES INC/OH (UBOH) generated $13 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UNITED BANCSHARES INC/OH (UBOH) has a debt-to-equity ratio of 12.15. This indicates higher leverage, which may increase financial risk.
UNITED BANCSHARES INC/OH (UBOH) reported earnings per share (EPS) of $3.46 in its most recent fiscal year.
UNITED BANCSHARES INC/OH (UBOH) has a return on equity (ROE) of 11.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 13 years of financial data for UNITED BANCSHARES INC/OH (UBOH), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UNITED BANCSHARES INC/OH (UBOH) has a book value per share of $25.30, based on its most recent annual SEC filing.
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