Stocktoria

UNITED BANCSHARES INC/OH UBOH

OTC · stock · National Commercial Banks · website · IPO 1998-11-30

UNITED BANCSHARES INC/OH statistics & valuation

Market cap$104.5M
P / E9.2×
P / S84.8×
P / B1.3×
P / FCF7.9×
Dividend yield2.63%
Net margin918.0%
Return on equity13.7%
FCF margin1071.4%
Graham number +14.2%$44.41

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($44.41); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
342.90% 235.10% 510.60% 717.40% 1248.20% 1246.00% 918.00% 2013201420152016201720182019202020212022
Gross margin (%)
2013201420152016201720182019202020212022
Operating margin (%)
2013201420152016201720182019202020212022
Return on equity (%)
7.40% 6.40% 8.30% 7.60% 5.10% 10.20% 11.20% 12.30% 11.40% 13.70% 2013201420152016201720182019202020212022
Shares outstanding
3.4M 3.4M 3.3M 3.3M 3.3M 3.3M 3.3M 3.3M 3.3M 3.3M 2013201420152016201720182019202020212022
Net debt ($)
2013201420152016201720182019202020212022
Share buybacks ($)
2013201420152016201720182019202020212022
Return on assets (%)
0.80% 0.70% 1.00% 0.90% 0.50% 1.00% 1.20% 1.40% 1.30% 1.00% 2013201420152016201720182019202020212022
Free cash flow margin (%)
261.70% 102.60% 287.20% 193.10% 1419.00% 2062.40% 1071.40% 2013201420152016201720182019202020212022
Debt / equity (×)
2013201420152016201720182019202020212022
EPS ($)
$1.68 $1.18 $2.51 $3250.00 $4.16 $4.07 $3.46 2013201420152016201720182019202020212022

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2022FY2021FY2020FY2019FY2018FY2017FY2016FY2015FY2014FY2013
Net margin918.0%1246.0%1248.2%717.4%510.6%235.1%342.9%———
FCF margin1071.4%2062.4%1419.0%193.1%287.2%102.6%261.7%———
Return on assets1.0%1.3%1.4%1.2%1.0%0.5%0.9%1.0%0.7%0.8%
Return on equity13.7%11.4%12.3%11.2%10.2%5.1%7.6%8.3%6.4%7.4%

Computed from company filings · US · as of 2022-12-31. Facts plus Stocktoria's own computed scores — not investment advice.