Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 66M | 62M | 53M | 47M | 54M |
| Gross Profit | 47M | 42M | 39M | 45M | 50M |
| Operating Income | 14M | 10M | 9M | 13M | 16M |
| EBITDA | 14M | 10M | 11M | 14M | 18M |
| Net Income | 12M | 9M | 9M | 11M | 14M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$38.00
+0.00% today
1Y Change
+32.30%
Window
Jun 23, 2025 → Jun 8, 2026
Coverage: 241 bars · Jun 23, 2025 → 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 $38.00 and up 32.3% across the available one-year price window (Jun 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UBOH
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UBOH Max Drawdown
-17.78%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UBOH and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$53.7M
+14.3% YoY
FY Net Income
$13.6M
+20.1% YoY
Free Cash Flow
$22.5M
+70.3% YoY
Revenue Growth
+6.9%
EPS Growth
+32.0%
Gross Margin
72.4%
Net Margin
19.2%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 66M | 62M | 53M | 47M | 54M |
| Gross Profit | 47M | 42M | 39M | 45M | 50M |
| Operating Income | 14M | 10M | 9M | 13M | 16M |
| EBITDA | 14M | 10M | 11M | 14M | 18M |
| Net Income | 12M | 9M | 9M | 11M | 14M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 52M | 95M | 27M | 31M | 75M |
| Total Assets | 1.2B | 1.2B | 1.1B | 1.1B | 1.1B |
| Total Liabilities | 1.1B | 1.1B | 978M | 1.0B | 957M |
| Shareholder Equity | 114M | 95M | 94M | 83M | 119M |
| Total Debt | 17M | 18M | 18M | 21M | 20M |
| Net Debt | -35M | -78M | -9M | -10M | -55M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
26M
+57.6% YoY
Capital Expenditures
4M
-10.6% YoY
Free Cash Flow
22M
+70.3% YoY
Key ratios
Gross Margin
72.4%
Operating Margin
21.8%
Net Margin
19.2%
ROE
12.0%
Debt / Equity
0.15x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.