Financial Services
United Bancshares, Inc.(UBOH)
Live Price
Offline$37.03
+0.00% today
1Y Change
+32.30%
Window
Jun 20, 2025 โ Jun 8, 2026
- Market Cap
- $110.00M
- Revenue Growth
- +6.9%
- EPS Growth
- +32.0%
- Dividend Yield
- 2.5%
Coverage: 242 bars ยท Jun 20, 2025 โ Jun 8, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United Bancshares, Inc. (UBOH) is a Financial Services stock with a market cap of $110.00M and listed on OTC. The stock last traded around $37.03 and up 32.3% across the available one-year price window (Jun 20, 2025 โ Jun 8, 2026). Baseline metrics include revenue growth of +6.9%, EPS growth of +32.0%, a dividend yield of 2.5%. What stands out right now is revenue +6.9%, EPS +32.0%, free cash flow +168.3% with operating margin 21.8% and ROIC 1.1%. The dividend is present but secondary, with a yield around 2.5%. Valuation is more restrained than many high-expectation growth names at P/E 8.1 and price/sales 1.6. Stock Foundry combines UBOH price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+6.9% vs +3.4% peer median
Operating Margin
Above sector median
+21.8% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 15, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +6.9% and EPS at +32.0%, with operating margin around 21.8%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.5%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.7% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 15, 2026 | โ | +0.0% | +2.5% | -0.3% |
2026 Jan 22, 2026 | โ | +0.4% | -4.8% | -6.5% |
2025 Oct 23, 2025 | โ | +0.0% | +0.1% | -4.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBOH
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UBOH Max Drawdown
-17.78%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UBOH and SPY.
Company Overview
United Bancshares, Inc.
Other OTC
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 products, such as checking, savings, demand deposit, money market deposit, term certificate, and individual retirement accounts, as well as certificates of deposit. Its loan products include commercial and residential real estate, agricultural, commercial and industrial, home equity, and various types of consumer and small business administration loans. The company also offers wealth management, financial needs analysis, mutual funds, securities trading, annuities, and life insurance services; and treasury management, online and mobile banking, automatic teller machine, bill pay, safe deposit box rental, payment, and other personalized services. It operates eighteen full service banking centers and three loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.
- Leadership
- Brian D. Young
- IPO Date
- Apr 2, 1996
- Employees
- 211
- Street Address
- 105 Progressive Drive
- Mailing
- Columbus Grove, OH, 45830
- Region
- Columbus Grove, OH, US
- Reporting Currency
- USD
- Investor Line
- 419 659 2141
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 8.1
- EV/EBITDA
- 5.1
- Price/Sales
- 1.6
- Price/Book
- 1.0
Growth
- Revenue
- +6.9%
- EPS
- +32.0%
- Free Cash Flow
- +168.3%
Profitability
- Gross Margin
- 72.4%
- Operating Margin
- 21.8%
- Net Margin
- 19.2%
- ROE
- 12.0%
- ROIC
- 1.1%
Balance Sheet
- Debt/Equity
- 0.15
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.