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Equity
United Bancshares Inc(UBOH)
USD --+0.00%
Reward43Moderate
Risk47Moderate
📊75%Data
Strong 26% profit margin · 2.3% dividend yield
UBOH
+0.0 · +0.00%
USD · OTCQX
United Bancshares Inc | Financial Services
Deep Value
Market Cap:116.42M
ℹ️
Reward Rating
43
Moderate
Bottom 25% (model universe)
75% data coverage
ℹ️
Risk Rating
47
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on UBOH to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is United Bancshares Inc?

operates as the bank holding company for The Union Bank Company that provides various commercial and consumer banking services.

UBOH · Verdict

Moderate reward · moderate risk

UBOH stands out on profitability and volatility, but watch the growth signal.

Based on 88% data coverage

UBOH · Verdict

What’s working & what to watch

Strengths 2

  • Profitability80/100

    22% net margin · 12% ROE

  • Volatility75/100

    Above average

Watchouts 2

  • Growth13/100

    Rev -12.2% CAGR · earnings -14.5%

  • Balance sheet38/100

    Below average

Model-based scoring. For information only — not financial advice.

What is 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. The company is listed on the OTCQX in USA, operating in the Financial Services sector, with a market capitalisation of 116.42M, and a P/E ratio of 13.9x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (43)

The scoring profile indicates limited reward potential at this time, with profitability and valuation offering the most support. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap116.42M
P/E Ratio13.9184
Dividend Yield2.29%
52 Week High45
52 Week Low22.2585
Last AnnualDecember
IPO Date3/22/2000
IncorporatedUSA
Shares Outstanding3M
No. of EmployeesN/A
IndustryBanks - Regional
ExchangeOTCQX
Beta-0.08
CurrencyUSD
Websitewww.theubank.com
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