How to buy United Bancshares (UBOH) stock

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. United Bancshares employs 222 staff and has a trailing 12-month revenue of around 0.00.

United Bancshares stock price (NASDAQ: UBOH)

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

United Bancshares shares at a glance

• Key figures

Information last updated 2021-07-24.

Latest market close	$31.03
52-week range	$16.85 - $37.71
50-day moving average	$34.14
200-day moving average	$28.47
Wall St. target price	N/A
PE ratio	7.0059
Dividend yield	$0.53 (1.49%)
Earnings per share (TTM)	$5.06

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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.

Technical Analysis of United Bancshares, Inc by TradingView

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.

United Bancshares price performance over time

Historical closes compared with the close of $31.03 from 2021-05-26

1 week (2021-07-14)	N/A
1 month (2021-06-25)	-6.20%
3 months (2021-04-21)	N/A
6 months (2021-01-21)	N/A

1 year (2020-07-21)	N/A
2 years (2019-07-21)	N/A
3 years (2018-07-21)	N/A
5 years (2016-07-21)	N/A

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 7x. In other words, United Bancshares shares trade at around 7x 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	$58.5 million
Operating margin TTM	34.97%
Gross profit TTM	$53.8 million
Return on assets TTM	1.74%
Return on equity TTM	15.94%
Profit margin	28.68%
Book value	$34.18
Market capitalisation	$116.2 million

TTM: trailing 12 months

Shorting United Bancshares shares

There are currently 9,595 United Bancshares shares held short by investors – that's known as United Bancshares's "short interest". This figure is 14.3% up from 8,395 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 5922.8395061728). United Bancshares's SIR currently stands at 1.62. In other words for every 100,000 United Bancshares shares traded daily on the market, roughly 1620 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 0.0044% of the tradable shares (for every 100,000 tradable United Bancshares shares, roughly 4 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: 13.71% of net profits

Recently United Bancshares has paid out, on average, around 13.71% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.91% 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 1.91% return on their shares, in the form of dividend payments. In United Bancshares's case, that would currently equate to about $0.53 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 14 June 2021. The latest dividend was paid out to all shareholders who bought their shares by 26 May 2021 (the "ex-dividend date").

Have United Bancshares's shares ever split?

United Bancshares's shares were split on a 10064:1000 basis on 27 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 $16.8531 up to $37.71. A popular way to gauge a stock's volatility is its "beta".

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 0.8738. 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, financial needs analysis, mutual funds, securities trading, annuities, and life insurance services; and treasury management, online and mobile banking, automatic teller machine, bill pay, safe deposit box rental, payment, and other personalized services. It operates eighteen banking centers and two loan production offices in northwest and central Ohio. United Bancshares, Inc.

Frequently asked questions

What percentage of United Bancshares is owned by insiders or institutions?
Currently 21.85% of United Bancshares shares are held by insiders and 20.828% by institutions. How many people work for United Bancshares?
Latest data suggests 222 work at United Bancshares. When does the fiscal year end for United Bancshares?
United Bancshares's fiscal year ends in December. Where is United Bancshares based?
United Bancshares's address is: 105 Progressive Drive, Columbus Grove, OH, United States, 45830-1241 What is United Bancshares's ISIN number?
United Bancshares's international securities identification number is: US9094581017 What is United Bancshares's CUSIP number?
United Bancshares's Committee on Uniform Securities Identification Procedures number is: 909458101