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UNITED BANCSHARES INC/OH UBOH
UNITED BANCSHARES INC/OH (UBOH) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.63% (safety: safe). FY2022 revenue was $1.2M at a 918.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1130 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| UBOH | UNITED BANCSHARES INC/OH | 5/9 | — | 9.2 | — |
| CBKM | CONSUMERS BANCORP INC /OH/ | 2/9 | — | 10.3 | — |
| SFST | SOUTHERN FIRST BANCSHARES INC | 5/9 | — | 19.1 | — |
| MRBK | Meridian Corp | 5/9 | — | 10.9 | — |
| NKSH | NATIONAL BANKSHARES INC | 5/9 | — | 15.2 | — |
| ASRV | AMERISERV FINANCIAL INC /PA/ | 4/9 | — | 11.8 | -6.3% |
| FUNC | FIRST UNITED CORP/MD/ | 5/9 | — | 11.9 | +4% |
All Finance, Insurance & Real Estate companies →
About UNITED BANCSHARES INC/OH
United Bancshares, Inc. operates as the bank holding company for The Union Bank Company that provides various commercial and consumer banking services. The company accepts various deposits, including checking, savings, demand, and money market deposits; and offers individual retirement accounts, as well as certificates of deposit. It also provides residential 1-4 family loans, including 1-4 family nonowner occupied, home equity loans, and lines of credit; commercial and multifamily real estate loans, including commercial real estate nonowner and owner occupied, construction and development, agriculture land, and other commercial real estate loans; commercial loans, such as commercial working capital, term, and agriculture production loans; consumer loans, including consumer direct and overdraft credit lines; mortgage and personal loans; and loans for cars, trucks, and boats, as well as auto and recreational loans. In addition, the company provides digital banking, credit cards, wealth management, treasury management, merchant services, and online banking. It operates full-service banking centers and loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.
FAQ
Is UBOH financially healthy?
UNITED BANCSHARES INC/OH's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does UBOH pay a dividend, and is it safe?
Yes. UNITED BANCSHARES INC/OH pays a dividend yielding about 2.63% with a 24.3% payout ratio, rated “safe” for safety.
How profitable is UBOH?
In FY2022, UNITED BANCSHARES INC/OH had a net margin of 918.0% and a return on equity of 13.7%.
What is UBOH's P/E ratio?
UNITED BANCSHARES INC/OH's trailing price-to-earnings (P/E) ratio is about 9.2×, based on its latest annual earnings.
Is UBOH a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on UNITED BANCSHARES INC/OH: a Piotroski F-score of 5/9, a P/E of about 9.2×, a dividend yield of 2.63%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2022-12-31. Facts plus Stocktoria's own computed scores — not investment advice.