United Bancshares Inc
General ticker "UBOH" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $70.1M
United Bancshares Inc follows the US Stock Market performance with the rate: 35.8%.
Estimated limits based on current volatility of 1.9%: low 26.66$, high 27.70$
Factors to consider:
- Company pays dividends: last record date 2024-11-29, amount 0.22$ (Y3.26%)
- Company does not operate outside US (retrieved using AI)
- Current price 22.2% above estimated high
- Earnings for 18 months up through Q2 (+1 year) are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2022-12-31 to 2024-12-30
- 2022-12-31 to 2023-12-31 estimated range: [16.75$, 24.97$]
- 2023-12-31 to 2024-12-30 estimated range: [14.46$, 22.09$]
Financial Metrics affecting the UBOH estimates:
- Positive: Non-GAAP EPS, $ of 3.45 > 2.29
- Positive: Operating cash flow per share per price, % of 27.70 > 12.76
- Negative: Investing cash flow per share, $ of -31.60 <= -3.48
- Negative: Interest expense per share, $ of 1.00 > 0.74
- Negative: Inventory ratio change, % of 40.20 > 1.08
- Positive: Operating profit margin, % of 31.05 > 19.51
- Positive: Industry earnings per price (median), % of 10.09 > 5.96
- Positive: -0.25 < Return on assets ratio (scaled to [-100,100]) of 1.03
- Positive: Industry operating cash flow per share per price (median), % of 13.50 > 10.07
Short-term UBOH quotes
Long-term UBOH plot with estimates
Financial data
| YTD | 2020-12-31 | 2021-12-31 | 2022-12-31 |
|---|---|---|---|
| Operating Revenue | $60.04MM | $53.08MM | $45.64MM |
| Operating Expenses | $43.37MM | $37.01MM | $31.47MM |
| Operating Income | $16.68MM | $16.07MM | $14.17MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-1.65MM |
| Interest Expense | $6.99MM | $3.07MM | $3.26MM |
| Income(Loss) | $16.68MM | $16.07MM | $12.52MM |
| Taxes | $2.92MM | $2.49MM | $1.21MM |
| Profit(Loss) | $13.76MM | $13.58MM | $11.31MM |
| Stockholders Equity | $111.60MM | $119.09MM | $82.69MM |
| Inventory | $0.00MM | $0.00MM | $30.68MM |
| Assets | $978.53MM | $1,076.56MM | $1,087.29MM |
| Operating Cash Flow | $17.22MM | $26.44MM | $16.78MM |
| Capital expenditure | $1.58MM | $3.96MM | $3.58MM |
| Investing Cash Flow | $-65.13MM | $-96.52MM | $-103.03MM |
| Financing Cash Flow | $78.54MM | $88.25MM | $41.73MM |
| Earnings Per Share* | $4.21 | $4.14 | $3.46 |
* EPS are Split Adjusted, recent splits may be reflected with a delay.