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United Bancshares, Inc. UBOH OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

United Bancshares, Inc. (UBOH) is a Banks - Regional company in the Financial Services sector, currently trading at $37.25. It has a SharesGrow Score of 68/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $66M, +16.5%/yr average growth. Net income is $12M, growing at +4.5%/yr. Net profit margin is 18.2% (healthy). Gross margin is 71.3% (-28.7 pp trend).

Balance sheet: total debt is $17M against $114M equity (Debt-to-Equity (D/E) ratio 0.15, conservative). Debt-to-assets is 1.4%. Total assets: $1.2B.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 63/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 35/100 (Fail), Future ?/100 (Fail), Income 70/100 (Pass).

UBOH SharesGrow Score Overview

70/100

SharesGrow Score

Above average fundamentals

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 63/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 50/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 35/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 70/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — UBOH

UBOH trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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UBOH: +16.5%/yr revenue is, +4.5%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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UBOH: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet UBOH: Debt-to-Equity (D/E) ratio 0.15 (conservative), Current ratio is N/A. Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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UBOH: Gross margin is 71.3% (-28.7 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

UBOH: Net profit margin is 18.2%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range22.75-45

Volume600

Avg Volume (30D)230

Market Cap$110.49M

Beta (1Y)-0.06

Dividend Yield$0.9300

Share Statistics

EPS (TTM)4.04

Shares Outstanding$2.97M

IPO Date1996-04-02

Employees211

CEOBrian D. Young

Financial Highlights & Ratios

Revenue (TTM)$65.95M

Gross Profit$47.04M

EBITDA$13.52M

Net Income$12M

Operating Income$13.52M

Total Cash$51.88M

Total Debt$16.57M

Net Debt$-35.32M

Total Assets$1.19B

Price / Earnings (P/E)9.2

Price / Sales (P/S)1.68

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS9094581017

Price Chart

UBOH

United Bancshares, Inc. ↗ · Other OTC

Financial Services • Banks - Regional

22.75 52WK RANGE 45.00

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