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United Bancshares, Inc. UBOH

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Price alert · UBOH

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41.41 USD 0.00 0.00%

At close · Oct 30

43.50 Day range 43.50
33.26 52-week range 45.00
YTD
-3.74%
1 year
+18.11%
Open
43.50
Prev close
41.41
Mkt cap
111.46M
Vol
20
Avg vol
2.51K
EPS
4.76
P/E
8.70
Div yield
4.05%
More statistics
Low
43.50
High
43.50
Forward P/E
0.00
Beta
0.56
Short ratio
0.37
Inst. own
21.28%
Dividend
0.84
Ex-div date
Aug 29, 2022
50-d avg
22.01
200-d avg
29.19
1y target
0.00

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Financial health

Altman Z-Score

0.31 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 4
  • P/B 3

Valuation

P/E 10.6×
FY 2016: 12.8×FY 2017: 18.8×FY 2018: 8.0×FY 2019: 7.0×FY 2020: 6.0×FY 2021: 7.4×FY 2022: 5.4×FY 2023: 6.9×FY 2024: 10.1×FY 2025: 10.6×
FY 2016 5y median 7.4× FY 2025
P/S 1.9×
FY 2016: 2.8×FY 2017: 2.4×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 1.9×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.5×FY 2025: 1.9×
FY 2016 5y median 1.5× FY 2025
P/B 1.1×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 0.8× FY 2025
P/FCF 9.1×
FY 2016: 16.7×FY 2017: 43.2×FY 2018: 14.2×FY 2019: 25.9×FY 2020: 5.3×FY 2021: 4.5×FY 2022: 4.6×FY 2023: 5.3×FY 2024: 17.8×FY 2025: 9.1×
FY 2016 5y median 5.3× FY 2025
EV/EBITDA 6.0×
FY 2016: 10.6×FY 2017: 15.0×FY 2018: 11.8×FY 2019: 8.8×FY 2020: 2.6×FY 2021: 2.5×FY 2022: 3.6×FY 2023: 4.5×FY 2024: 1.6×FY 2025: 6.0×
FY 2016 5y median 3.6× FY 2025
EV/Sales 1.4×
FY 2016: 3.4×FY 2017: 3.7×FY 2018: 3.0×FY 2019: 2.4×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.3×FY 2025: 1.4×
FY 2016 5y median 1.0× FY 2025
FCF Yield 10.9%
FY 2016: 6.0%FY 2017: 2.3%FY 2018: 7.1%FY 2019: 3.9%FY 2020: 18.8%FY 2021: 22.5%FY 2022: 21.6%FY 2023: 18.9%FY 2024: 5.6%FY 2025: 10.9%
FY 2016 5y median 18.9% FY 2025

Profitability

Gross Margin 71.3%
FY 2016: 94.2%FY 2017: 91.0%FY 2018: 84.3%FY 2019: 81.3%FY 2020: 79.5%FY 2021: 93.7%FY 2022: 95.2%FY 2023: 74.1%FY 2024: 67.8%FY 2025: 71.3%
FY 2016 5y median 74.1% FY 2025
Operating Margin 20.5%
FY 2016: 28.4%FY 2017: 21.8%FY 2018: 23.1%FY 2019: 24.2%FY 2020: 26.0%FY 2021: 29.9%FY 2022: 26.6%FY 2023: 17.6%FY 2024: 16.1%FY 2025: 20.5%
FY 2016 5y median 20.5% FY 2025
Net Margin 18.2%
FY 2016: 21.6%FY 2017: 12.5%FY 2018: 19.5%FY 2019: 21.0%FY 2020: 21.4%FY 2021: 25.3%FY 2022: 24.1%FY 2023: 16.3%FY 2024: 14.8%FY 2025: 18.2%
FY 2016 5y median 18.2% FY 2025
ROE 10.6%
FY 2016: 7.6%FY 2017: 5.1%FY 2018: 10.2%FY 2019: 11.2%FY 2020: 12.3%FY 2021: 11.4%FY 2022: 13.7%FY 2023: 9.2%FY 2024: 9.7%FY 2025: 10.6%
FY 2016 5y median 10.6% FY 2025
ROIC 8.7%
FY 2016: 5.1%FY 2017: 2.6%FY 2018: 5.0%FY 2019: 6.2%FY 2020: 9.8%FY 2021: 9.3%FY 2022: 8.5%FY 2023: 7.2%FY 2024: 23.1%FY 2025: 8.7%
FY 2016 5y median 8.7% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: 0.5%FY 2018: 1.0%FY 2019: 1.2%FY 2020: 1.4%FY 2021: 1.3%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.8%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 6.9%
FY 2016: -4.6%FY 2017: 20.5%FY 2018: 36.9%FY 2019: 20.2%FY 2020: 26.6%FY 2021: -16.4%FY 2022: -12.5%FY 2023: 12.4%FY 2024: 16.8%FY 2025: 6.9%
FY 2016 FY 2025
Operating Income 36.3%
FY 2016: -0.8%FY 2017: -7.4%FY 2018: 45.0%FY 2019: 25.9%FY 2020: 35.9%FY 2021: -3.6%FY 2022: -22.1%FY 2023: -25.8%FY 2024: 6.8%FY 2025: 36.3%
FY 2016 FY 2025
EPS (diluted) 32.0%
FY 2016: -5.1%FY 2017: -29.8%FY 2018: 112.7%FY 2019: 29.5%FY 2020: 28.0%FY 2021: -2.2%FY 2022: -15.0%FY 2023: -19.1%FY 2024: 9.3%FY 2025: 32.0%
FY 2016 FY 2025
Free Cash Flow 168.3%
FY 2016: -35.9%FY 2017: -60.2%FY 2018: 175.6%FY 2019: -37.9%FY 2020: 444.8%FY 2021: 43.8%FY 2022: -41.3%FY 2023: -15.2%FY 2024: -53.6%FY 2025: 168.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.1×
FY 2016: 0.4×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -2.3×
FY 2016: 1.9×FY 2017: 5.6×FY 2018: 5.7×FY 2019: 3.3×FY 2020: -2.0×FY 2021: -3.1×FY 2022: -0.7×FY 2023: -0.8×FY 2024: -7.8×FY 2025: -2.3×
FY 2016 5y median -2.3× FY 2025
Interest Coverage 0.7×
FY 2016: 3.3×FY 2017: 2.2×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 2.4×FY 2021: 5.2×FY 2022: 3.8×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 2.1%FY 2017: 2.2%FY 2018: 2.4%FY 2019: 2.3%FY 2020: 2.0%FY 2021: 2.4%FY 2022: 4.5%FY 2023: 4.7%FY 2024: 2.8%FY 2025: 2.1%
FY 2016 5y median 2.8% FY 2025
Payout Ratio 22.5%
FY 2016: 26.2%FY 2017: 40.8%FY 2018: 19.1%FY 2019: 16.0%FY 2020: 12.1%FY 2021: 17.6%FY 2022: 24.3%FY 2023: 32.2%FY 2024: 28.8%FY 2025: 22.5%
FY 2016 5y median 24.3% FY 2025

Annual · latest fiscal year ends 2025-12-31