United Bancshares, Inc.
General ticker "UBOH" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $86.1M (TTM average)
United Bancshares, Inc. follows the US Stock Market performance with the rate: 46.7%.
Estimated limits based on current volatility of 1.3%: low 33.58$, high 34.46$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-08-29, amount 0.23$ (Y2.75%)
- Total employees count: 211 as of 2022
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate fluctuations, Economic downturns and volatility, Liquidity and credit risks, Market competition, Cybersecurity threats
- Current price 45.5% above estimated high
- Earnings for 18 months up through Q2 (+1 year) exceed 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 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [14.91$, 21.89$]
- 2024-12-30 to 2025-12-30 estimated range: [15.60$, 23.02$]
Financial Metrics affecting the UBOH estimates:
- Positive: with PPE of 6.9 at the end of fiscal year the price was neutral
- Positive: 7.86 < Operating profit margin, % of 17.58
- Positive: Operating cash flow per share per price, % of 21.72 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 13.14 > 10.33
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.80 <= 1.87
Short-term UBOH quotes
Long-term UBOH plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $53.72MM | $47.00MM | $52.84MM |
| Operating Expenses | $37.64MM | $34.48MM | $43.55MM |
| Operating Income | $16.07MM | $12.52MM | $9.29MM |
| Interest Expense | $3.07MM | $3.26MM | $14.09MM |
| Income(Loss) | $16.07MM | $12.52MM | $9.29MM |
| Taxes | $2.49MM | $1.21MM | $0.68MM |
| Profit(Loss)* | $13.58MM | $11.31MM | $8.61MM |
| Stockholders Equity | $119.09MM | $82.69MM | $93.92MM |
| Assets | $1,076.56MM | $1,087.29MM | $1,071.50MM |
| Operating Cash Flow | $26.44MM | $16.78MM | $12.83MM |
| Capital expenditure | $3.96MM | $3.58MM | $1.64MM |
| Investing Cash Flow | $-96.52MM | $-103.03MM | $16.04MM |
| Financing Cash Flow | $88.25MM | $41.73MM | $-32.64MM |
| Earnings Per Share** | $4.14 | $3.47 | $2.80 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.