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    Banks - Regional
United Bancshares, Inc.

United Bancshares, Inc.

UBOH
United Bancshares, Inc.US flagOther OTC
37.16
USD
+0.03
- -
109.79MMarket Cap
United Bancshares, Inc.
UBOH
(Other OTC)

Recent

price

37.16

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.14
6.54
6.28
5.93
6.07
7.42
7.1
8.48
11.03
12.79
17.51
15.46
13.42
12.61
13.02
15.36
16.24
Revenue per Share
0.82
0.85
1.3
1.35
1.27
1.77
1.68
1.18
2.51
3.26
4.21
4.14
3.47
2.8
3.06
4.04
4.43
Basic EPS, GAAP
2.91
2.73
2.08
1.36
1.33
1.97
1.28
0.51
1.41
0.88
4.78
6.86
4.05
3.57
1.74
4.7
- -
Free Cash Flow per Basic Share
0.45
- -
0.05
0.2
0.35
0.36
0.44
0.48
0.48
0.52
0.51
0.73
0.84
0.9
0.88
0.91
- -
Dividend per Share
12.59
13.44
14.69
15.83
16.94
18.69
20.21
21.04
23.08
25.8
29.49
32.86
35.67
39.75
43.01
46.5
54.88
Book Value per Share
13.41
14.8
16.09
15.76
16.63
18.14
18.76
15.11
15.72
19.99
25.17
27.46
16.48
21.18
22.07
28.64
36.5
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
25
23
22
20
21
25
23
28
36
42
57
51
44
39
39
46
47
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
2
2
2
2
2
- -
Depreciation Expense
3
3
4
5
4
6
6
4
8
11
14
14
11
9
9
12
13
Net Income, GAAP
4.85
3.35
19.28
21.08
20.08
19.19
24.01
42.81
15.68
13.16
17.52
15.51
9.69
7.35
7.68
11.28
11.74
Effective Tax Rate (%)
11.41
13.07
20.71
22.69
20.87
23.89
23.63
13.87
22.8
25.49
24.02
26.81
25.86
22.21
23.49
26.31
27.28
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
66
43
33
22
13
15
32
70
78
51
21
20
19
18
17
17
16
LT Debt
55
60
64
63
68
72
73
76
81
95
112
119
83
94
95
114
106
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.57
6.56
9.25
8.82
7.68
9.85
8.57
5.69
11.4
13.34
15.21
13.3
10.1
7.22
7.3
9
8.36
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
17
17
16
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
110
128
110

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
77
52
53
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.8%
2.11%
19.97%
Free Cash Flow
58.73%
20.18%
167.88%
Net Income, GAAP
13.09%
-0.9%
31.02%
Sales/Revenue/Turnover
7.69%
-3.81%
17%
Total Cash Common Dividend
9.22%
11.34%
2.54%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
9
9
10
10
39
2025
11
12
12
11
46
2026
13
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.61
0.61
0.83
- -
3.06
2025
0.94
1.05
1.01
- -
4.04
2026
1.32
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.88
2025
- -
- -
- -
- -
0.91
2026
- -
- -
- -
- -
- -
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Business
United Bancshares, Inc. functions as the holding entity for The Union Bank Company, delivering a comprehensive suite of financial solutions for both businesses and individual clients. The institution offers a wide array of deposit instruments, encompassing checking, savings, and demand accounts, alongside money market and term certificates, as well as individual retirement arrangements. Its lending portfolio includes commercial and residential real estate financing, agricultural loans, commercial and industrial credit, home equity lines, and various personal and small business administration loan options. Beyond traditional banking, the company extends services in wealth management, financial planning, mutual funds, securities transactions, annuities, and life insurance. It also provides modern conveniences such as treasury management, online and mobile banking platforms, automated teller and interactive teller machine services, bill payment, safe deposit box rentals, and other tailored offerings. Established in 1904, United Bancshares, Inc. is headquartered in Columbus Grove, Ohio, and manages 14 full-service branch locations complemented by additional ITM-only sites across northwest and central Ohio, serving communities in counties like Allen, Delaware, Franklin, Hancock, Marion, Paulding, Putnam, Sandusky, Van Wert, and Wood. The company recently announced record third-quarter earnings in October 2025 and approved a new stock repurchase plan, while also extending its streak of annual dividend increases to 52 consecutive years in November 2025.

Company News

APIChatGPT

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES FIRST QUARTER 2026 RESULTS AND $0.25 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES FOURTH QUARTER 2025 RESULTS AND $0.24 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES THIRD QUARTER 2025 RESULTS AND $0.23 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES SECOND QUARTER 2025 RESULTS AND $0.23 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES FIRST QUARTER 2025 RESULTS AND $0.23 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES FOURTH QUARTER AND FULL YEAR 2024 RESULTS AND $0.22 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES THIRD QUARTER 2024 RESULTS AND $0.22 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES SECOND QUARTER 2024 RESULTS AND $0.22 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES FIRST QUARTER 2024 RESULTS AND $0.22 DIVIDEND

  • investorplace.com

    Buyout Boom: 3 Regional Bank Stock Bargains to Grab Before They're Gone

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES FOURTH QUARTER AND FULL YEAR 2023 RESULTS AND $0.22 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES THIRD QUARTER 2023 RESULTS AND $0.22 DIVIDEND

  • prnewswire.com

    UNITED BANCSHARES, INC. ANNOUNCES SECOND QUARTER 2023 RESULTS AND $0.22 DIVIDEND

  • globenewswire.com

    THE UNION BANK COMPANY ANNOUNCES BOARD DIRECTOR APPOINTMENT

  • globenewswire.com

    United Bancshares, Inc. Reports First Quarter 2021 Results

  • globenewswire.com

    United Bancshares, Inc. Reports Full Year 2020 Results

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    5 Banks With High Dividend Yields