United Bancshares, Inc.

OTCPK:UBOH Stock Report

Market Cap: US$79.9m

United Bancshares Past Earnings Performance

Past criteria checks 1/6

United Bancshares's earnings have been declining at an average annual rate of -7.4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been declining at an average rate of 3% per year. United Bancshares's return on equity is 8.5%, and it has net margins of 21.1%.

Key information

-7.4%

Earnings growth rate

-6.1%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate-3.0%
Return on equity8.5%
Net Margin21.1%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

United Bancshares intends to voluntarily delist from Nasdaq for factors including cost savings

Jul 25

United Bancshares (NASDAQ:UBOH) Has Announced That It Will Be Increasing Its Dividend To US$0.21

Apr 25
United Bancshares (NASDAQ:UBOH) Has Announced That It Will Be Increasing Its Dividend To US$0.21

United Bancshares' (NASDAQ:UBOH) Dividend Will Be Increased To US$0.20

Oct 25
United Bancshares' (NASDAQ:UBOH) Dividend Will Be Increased To US$0.20

United Bancshares' (NASDAQ:UBOH) Shareholders Will Receive A Bigger Dividend Than Last Year

Jul 30
United Bancshares' (NASDAQ:UBOH) Shareholders Will Receive A Bigger Dividend Than Last Year

United Bancshares goes ex-dividend tomorrow

May 26

If You Like EPS Growth Then Check Out United Bancshares (NASDAQ:UBOH) Before It's Too Late

May 10
If You Like EPS Growth Then Check Out United Bancshares (NASDAQ:UBOH) Before It's Too Late

United Bancshares, Inc. (NASDAQ:UBOH) Looks Interesting, And It's About To Pay A Dividend

Feb 22
United Bancshares, Inc. (NASDAQ:UBOH) Looks Interesting, And It's About To Pay A Dividend

Here's What We Think About United Bancshares' (NASDAQ:UBOH) CEO Pay

Dec 30
Here's What We Think About United Bancshares' (NASDAQ:UBOH) CEO Pay

United Bancshares goes ex-dividend on Friday

Nov 25

United Bancshares, Inc. (NASDAQ:UBOH) Passed Our Checks, And It's About To Pay A US$0.16 Dividend

Nov 23
United Bancshares, Inc. (NASDAQ:UBOH) Passed Our Checks, And It's About To Pay A US$0.16 Dividend

Revenue & Expenses Breakdown

How United Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

OTCPK:UBOH Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2440800
30 Jun 2439800
31 Mar 2440900
31 Dec 2341900
30 Sep 234310230
30 Jun 234511230
31 Mar 234611230
31 Dec 224711230
30 Sep 224610250
30 Jun 224911250
31 Mar 225012250
31 Dec 215314250
30 Sep 215313260
30 Jun 215514260
31 Mar 215917260
31 Dec 205414260
30 Sep 205316220
30 Jun 204713220
31 Mar 204110220
31 Dec 194111220
30 Sep 19409210
30 Jun 19398210
31 Mar 19388210
31 Dec 18378190
30 Sep 18377160
30 Jun 18345160
31 Mar 18314160
31 Dec 17294160
30 Sep 17264120
30 Jun 17265120
31 Mar 17256120
31 Dec 16256120
30 Sep 16255120
30 Jun 16256120
31 Mar 16256120
31 Dec 15256120
30 Sep 15256100
30 Jun 15245100
31 Mar 15235100
31 Dec 14224100
30 Sep 14224100
30 Jun 14224100
31 Mar 14224100
31 Dec 13225100

Quality Earnings: UBOH has high quality earnings.

Growing Profit Margin: UBOH's current net profit margins (21.1%) are lower than last year (22.7%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: UBOH's earnings have declined by 7.4% per year over the past 5 years.

Accelerating Growth: UBOH's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: UBOH had negative earnings growth (-13.5%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).


Return on Equity

High ROE: UBOH's Return on Equity (8.5%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/24 17:56
End of Day Share Price 2024/12/24 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

United Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution