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United Bancshares(OTC) UBOH

Market Cap$107.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1998)+674%
5 Year+35%
1 Year+37%
1 Month+3%
$39.00
+0.65%
+0.25Today
United Bancshares last closing stock price
MetricPriceDate
Last closeUSD 39.002026-07-31
United Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.42%USD 37.352026-07-24
1 month+2.63%USD 38.002026-06-26
3 month+4.98%USD 37.152026-05-01
Year to date-8.17%USD 42.472025-12-29
1 year+36.82%USD 28.502025-07-30
3 year+135.59%USD 16.552023-08-01
5 year+35.32%USD 28.822021-07-30
Since inception+674.31%USD 5.041998-06-11

United Bancshares Financials at a Glance

Market Cap

$107.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$65.75M

Net Income (TTM)

$11.43M

EPS (TTM)

$4.04

P/E Ratio

9.65

Dividend

$0.95

Beta (Volatility)

0.16 (Low)

Price

$39.00

Volume

250

Open

$39.00

Previous Close

$39.00

Daily Range

$39.00 - $39.00

52-Week Range

$29.11 - $45.00

Estimated Earnings Date

Apr 15, 2026

UBOH News

No articles available.

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About United Bancshares

United Bancshares, Inc. operates as the holding company for The Union Bank Company, providing a wide range of commercial and consumer banking services. Established in 1904 and headquartered in Columbus Grove, Ohio, the company has a strong presence in northwest and central Ohio.

Products and Services
  • Comprehensive banking services including checking and savings accounts
  • Diverse lending solutions such as commercial, residential, and agricultural loans
  • Wealth management and financial planning services
Growth Outlook
  • Consistent revenue growth with Q1 2026 revenue at $17.01 million
  • Net income increased to $3.68 million in Q1 2026
  • Strong operating income margin of 24.69% in the latest quarter
Financial Highlights
  • Trailing twelve months (TTM) net profit margin of 19.23%
  • TTM return on equity at 12.01%, indicating effective management
  • Quarterly earnings per share (EPS) of $1.32 in Q1 2026
United Bancshares, Inc. has established itself as a reliable player in the regional banking sector, offering a comprehensive suite of financial products. The company’s focus on customer service and community engagement has contributed to its sustained growth. Recent financial performance indicates a positive trajectory, with significant increases in revenue and net income. The strong operating income margin reflects efficient cost management and operational effectiveness. With a solid foundation and a commitment to innovation, United Bancshares, Inc. is well-positioned for future growth in the competitive banking landscape.
AI Generated • Jul 8, 2026

Industry

Banks

Sector

Financials

Employees

211

CEO

Brian D. Young, CPA

Website

www.theubank.com

Headquarters

Columbus Grove, OH 45830, US

UBOH Financials

Key Financial Metrics (TTM)

Gross Margin

71.13%

Operating Margin

19.30%

Net Income Margin

17.38%

Return on Equity

10.43%

Return on Capital

10.38%

Return on Assets

0.79%

Earnings Yield

10.36%

Dividend Yield

2.44%

Payout Ratio

0.00%

Stock Overview

Market Cap

$107.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.75M

Volume

250

Avg. Volume

1.21K

Financials (TTM)

Gross Profit

$46.77M

Operating Income

$12.69M

EBITDA

$12.69M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$57.89M

Total Debt

$138.36M

United Bancshares Performance Analysis

United Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 47,082,000-19.0%
20232023-12-31USD 54,456,00015.7%
20242024-12-31USD 61,639,00013.2%
20252025-12-31USD 65,775,0006.7%
United Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-301.5%
Q42025-12-312.6%
Q12026-03-31-0.1%
Q22026-06-30-11.1%
United Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.46-14.8%
20232023-12-31USD 2.80-19.2%
20242024-12-31USD 3.069.3%
20252025-12-31USD 3.9930.3%
United Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-3.8%
Q42025-12-313.0%
Q12026-03-3126.9%
Q22026-06-30-53.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$15.13M

-7.5%

Gross Profit

$9.77M

-14.8%

Gross Margin

64.62%

N/A

Market Cap

$107.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$508.09K

N/A

Employees

211

N/A

Net Income

$1.67M

-46.5%

EBITDA

$1.61M

-54.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$57.89M

-36.9%

Total Debt

$138.36M

+733.8%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$138.36M

+733.8%

Short Term Debt

$0.00

N/A

Return on Assets

0.79%

N/A

Return on Invested Capital

0.88%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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Questions About UBOH

What is the current price of United Bancshares?

United Bancshares is trading at $39.00 per share.

What is the 52-week range for United Bancshares?

Over the past 52 weeks, United Bancshares has traded between $29.11 and $45.00.

How much debt does United Bancshares have?

As of the most recent reporting period, United Bancshares reported total debt of $138.36M.

How much cash does United Bancshares have on hand?

United Bancshares does not have cash on hand data available.

What is United Bancshares’s dividend yield?

United Bancshares currently has a dividend yield of 2.44%.

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