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How to buy United Bancshares stock

Own United Bancshares stock in just a few minutes.

Fact checked

United Bancshares, Inc is a banks-regional business based in the US. United Bancshares shares (UBOH) are listed on the NASDAQ and all prices are listed in US Dollars.

How to buy shares in United Bancshares

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for United Bancshares. Find the stock by name or ticker symbol: UBOH. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until United Bancshares reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of United Bancshares, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of United Bancshares. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

United Bancshares share price

Use our graph to track the performance of UBOH stocks over time.

United Bancshares shares at a glance

Information last updated 2021-02-24.
52-week rangeUSD$12.3705 - USD$26.9326
50-day moving average USD$24.22
200-day moving average USD$22.0941
Wall St. target priceN/A
PE ratio 5.7075
Dividend yield USD$0.51 (2.12%)
Earnings per share (TTM) USD$4.205

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy United Bancshares stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is United Bancshares under- or over-valued?

Valuing United Bancshares stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of United Bancshares's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

United Bancshares's P/E ratio

United Bancshares's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 6x. In other words, United Bancshares shares trade at around 6x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

United Bancshares financials

Revenue TTM USD$53.8 million
Operating margin TTM 30.97%
Gross profit TTM USD$53.8 million
Return on assets TTM 1.73%
Return on equity TTM 13.47%
Profit margin 25.55%
Book value $33.442
Market capitalisation USD$78.5 million

TTM: trailing 12 months

Shorting United Bancshares shares

There are currently 517 United Bancshares shares held short by investors – that's known as United Bancshares's "short interest". This figure is 28.3% down from 721 last month.

There are a few different ways that this level of interest in shorting United Bancshares shares can be evaluated.

United Bancshares's "short interest ratio" (SIR)

United Bancshares's "short interest ratio" (SIR) is the quantity of United Bancshares shares currently shorted divided by the average quantity of United Bancshares shares traded daily (recently around 3041.1764705882). United Bancshares's SIR currently stands at 0.17. In other words for every 100,000 United Bancshares shares traded daily on the market, roughly 170 shares are currently held short.

However United Bancshares's short interest can also be evaluated against the total number of United Bancshares shares, or, against the total number of tradable United Bancshares shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case United Bancshares's short interest could be expressed as 0% of the outstanding shares (for every 100,000 United Bancshares shares in existence, roughly 0 shares are currently held short) or 0.0002% of the tradable shares (for every 100,000 tradable United Bancshares shares, roughly 0 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against United Bancshares.

Find out more about how you can short United Bancshares stock.

United Bancshares share dividends


Dividend payout ratio: 13.73% of net profits

Recently United Bancshares has paid out, on average, around 13.73% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.67% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), United Bancshares shareholders could enjoy a 2.67% return on their shares, in the form of dividend payments. In United Bancshares's case, that would currently equate to about $0.51 per share.

While United Bancshares's payout ratio might seem low, this can signify that United Bancshares is investing more in its future growth.

United Bancshares's most recent dividend payout was on 15 March 2021. The latest dividend was paid out to all shareholders who bought their shares by 25 February 2021 (the "ex-dividend date").

Have United Bancshares's shares ever split?

United Bancshares's shares were split on a 10064:1000 basis on 28 January 2014. So if you had owned 1000 shares the day before before the split, the next day you'd have owned 10064 shares. This wouldn't directly have changed the overall worth of your United Bancshares shares – just the quantity. However, indirectly, the new 90.1% lower share price could have impacted the market appetite for United Bancshares shares which in turn could have impacted United Bancshares's share price.

United Bancshares share price volatility

Over the last 12 months, United Bancshares's shares have ranged in value from as little as $12.3705 up to $26.9326. A popular way to gauge a stock's volatility is its "beta".

UBOH.US volatility(beta: 0.83)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while United Bancshares's is 0.826. This would suggest that United Bancshares's shares are less volatile than average (for this exchange).

United Bancshares overview

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 products, such as checking, savings, demand deposit, money market deposit, term certificate, and individual retirement accounts, as well as certificates of deposit. Its loan products include commercial and residential real estate, agricultural, commercial and industrial, home equity, and various types of consumer and small business administration loans. The company also offers wealth management, treasury management, online and mobile banking, automatic teller machine, bill pay, safe deposit box rental, payment, and other personalized services. The company operates seventeen banking centers and two loan production offices in northwest and central Ohio. United Bancshares, Inc. was founded in 1904 and is headquartered in Columbus Grove, Ohio.

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