United Bancshares Inc/Oh - Understand $uboh stock

$UBOH Market Cap: $70.09 Million

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$8.605M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.071B

Q4 2023

Total Liabilities

$977.6M

Q4 2023

Book Value

$93.92M

Q4 2023

Cash

P/E

8.146

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Revenue		$1.232M	$38.80M	$40.03M	$37.82M	$34.37M	$25.77M	$21.63M
YoY Change		-96.83%	-3.06%	5.85%	10.05%	33.34%	19.17%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2022	2021	2020	2019	2018	2017	2016
Revenue	$1.232M	$38.80M	$40.03M	$37.82M	$34.37M	$25.77M	$21.63M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.612M	$1.543M	$1.499M	$1.240M	$1.052M	$938.0K	$909.0K	$630.0K	$700.0K	$650.0K	$770.0K	$700.0K	$650.0K	$990.0K	$1.130M	$1.240M	$1.100M	$1.310M	$1.480M	$1.850M	$1.500M	$280.0K	$520.0K	$390.0K
YoY Change	4.47%	2.94%	20.89%	17.87%	12.15%	3.19%	44.29%	-10.0%	7.69%	-15.58%	10.0%	7.69%	-34.34%	-12.39%	-8.87%	12.73%	-16.03%	-11.49%	-20.0%	23.33%	435.71%	-46.15%	33.33%	14.71%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2022	2021	2020	2019	2018	2017	2016
Interest Expense	$3.258M	$3.069M	$6.988M	$8.924M	$6.158M	$3.118M	$2.231M
YoY Change	6.16%	-56.08%	-21.69%	44.92%	97.5%	39.76%
% of Operating Profit
Other Income/Expense, Net	$2.606M	$2.039M	$2.153M	$1.801M	$1.627M	$1.524M	$1.709M
YoY Change	27.81%	-5.29%	19.54%	10.69%	6.76%	-10.83%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Pretax Income	$9.289M	$12.52M	$16.08M	$16.68M	$12.28M	$9.749M	$6.725M	$7.265M	$7.320M	$5.390M	$5.880M	$5.560M	$3.040M	$2.950M	$3.040M	$5.430M	$5.740M	$6.180M	$5.860M	$3.570M	$4.770M	$4.280M	$4.280M	$1.720M	$2.690M
YoY Change	-25.83%	-22.09%	-3.61%	35.85%	25.92%	44.97%	-7.43%	-0.75%	35.81%	-8.33%	5.76%	82.89%	3.05%	-2.96%	-44.01%	-5.4%	-7.12%	5.46%	64.15%	-25.16%	11.45%	0.0%	148.84%	-36.06%	3.46%
Income Tax	$683.0K	$1.214M	$2.494M	$2.922M	$1.615M	$1.529M	$2.879M	$1.744M	$1.410M	$1.080M	$1.240M	$1.070M	$100.0K	$140.0K	$160.0K	$1.010M	$1.160M	$1.250M	$1.230M	$480.0K	$1.080M	$1.720M	$1.030M	$240.0K	$540.0K
% Of Pretax Income	7.35%	9.69%	15.51%	17.52%	13.16%	15.68%	42.81%	24.01%	19.26%	20.04%	21.09%	19.24%	3.29%	4.75%	5.26%	18.6%	20.21%	20.23%	20.99%	13.45%	22.64%	40.19%	24.07%	13.95%	20.07%
Net Earnings	$8.606M	$11.31M	$13.58M	$13.76M	$10.66M	$8.220M	$3.846M	$5.521M	$5.920M	$4.310M	$4.640M	$4.480M	$2.940M	$2.810M	$2.880M	$4.420M	$4.580M	$4.930M	$4.620M	$3.090M	$3.690M	$6.370M	$3.250M	$1.490M	$2.140M
YoY Change	-23.91%	-16.72%	-1.26%	29.02%	29.7%	113.73%	-30.34%	-6.74%	37.35%	-7.11%	3.57%	52.38%	4.63%	-2.43%	-34.84%	-3.49%	-7.1%	6.71%	49.51%	-16.26%	-42.07%	96.0%	118.12%	-30.37%	0.94%
Net Earnings / Revenue		918.02%	35.0%	34.36%	28.19%	23.92%	14.92%	25.53%
Basic Earnings Per Share		$3.47	$4.140K	$4.210K	$3.260K	$2.51	$1.18	$1.68
Diluted Earnings Per Share	$2.80	$3.46	$4.070K	$4.160K	$3.250K	$2.51	$1.18	$1.68	$1.772M	$1.264M	$1.345M	$1.299M	$852.2K	$816.9K	$837.2K	$1.281M	$1.297M	$1.366M	$1.252M	$835.1K	$1.000M	$1.745M	$958.7K	$645.0K	$906.8K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment		$24.15M	$21.80M	$19.30M	$18.80M	$19.00M	$19.30M	$13.40M	$12.00M	$12.40M	$9.200M	$9.200M	$9.600M	$9.900M	$9.100M	$9.300M	$7.900M	$6.700M	$6.200M	$6.700M	$7.200M	$6.300M	$5.900M	$4.900M	$4.200M
YoY Change		10.77%	12.95%	2.66%	-1.05%	-1.55%	44.03%	11.67%	-3.23%	34.78%	0.0%	-4.17%	-3.03%	8.79%	-2.15%	17.72%	17.91%	8.06%	-7.46%	-6.94%	14.29%	6.78%	20.41%	16.67%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
Total Assets	$1.071B	$1.087B	$1.077B	$978.5M	$880.0M	$830.3M	$780.5M	$633.1M	$608.7M	$650.2M	$556.2M	$572.4M	$587.0M	$612.6M	$616.4M	$616.1M	$548.0M	$550.4M	$536.2M	$559.3M	$498.7M	$425.0M	$386.4M	$256.8M	$237.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt													$5.200M	$11.20M	$11.80M	$10.60M	$24.50M	$54.20M
YoY Change													-53.57%	-5.08%	11.32%	-56.73%	-54.8%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities													$5.200M	$11.20M	$11.80M	$10.60M	$24.50M	$54.20M
YoY Change													-53.57%	-5.08%	11.32%	-56.73%	-54.8%
Long-Term Debt	$18.04M	$44.09M	$20.00M	$20.70M	$12.90M	$12.90M	$12.80M	$12.80M	$12.80M	$12.70M	$10.30M	$10.30M	$10.30M	$10.30M	$10.30M	$10.30M	$10.30M	$10.30M	$10.30M	$10.30M	$10.30M	$0.00	$0.00	$0.00	$0.00
YoY Change	-59.08%	120.44%	-3.38%	60.47%	0.0%	0.78%	0.0%	0.0%	0.79%	23.3%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$6.686M	$6.631M	$7.100M	$7.900M	$6.400M	$4.800M	$4.200M	$4.300M	$3.800M	$4.200M	$2.800M	$4.200M	$3.700M	$2.900M	$4.300M	$4.100M	$3.800M	$2.800M	$4.500M	$3.100M	$2.900M	$4.400M	$6.100M	$1.800M	$1.600M
YoY Change	0.83%	-6.61%	-10.13%	23.44%	33.33%	14.29%	-2.33%	13.16%	-9.52%	50.0%	-33.33%	13.51%	27.59%	-32.56%	4.88%	7.89%	35.71%	-37.78%	45.16%	6.9%	-34.09%	-27.87%	238.89%	12.5%
Total Long-Term Liabilities	$24.73M	$50.72M	$27.10M	$28.60M	$19.30M	$17.70M	$17.00M	$17.10M	$16.60M	$16.90M	$13.10M	$14.50M	$14.00M	$13.20M	$14.60M	$14.40M	$14.10M	$13.10M	$14.80M	$13.40M	$13.20M	$4.400M	$6.100M	$1.800M	$1.600M
YoY Change	-51.24%	87.15%	-5.24%	48.19%	9.04%	4.12%	-0.58%	3.01%	-1.78%	29.01%	-9.66%	3.57%	6.06%	-9.59%	1.39%	2.13%	7.63%	-11.49%	10.45%	1.52%	200.0%	-27.87%	238.89%	12.5%
Total Liabilities	$977.6M	$1.005B	$957.5M	$866.9M	$785.2M	$749.4M	$704.7M	$560.6M	$537.1M	$582.4M	$493.2M	$508.3M	$527.3M	$557.6M	$562.1M	$565.4M	$499.2M	$504.2M	$492.4M	$515.1M	$456.0M	$384.0M	$351.7M	$237.8M	$219.0M
YoY Change	-2.69%	4.92%	10.45%	10.4%	4.78%	6.34%	25.7%	4.38%	-7.78%	18.09%	-2.97%	-3.6%	-5.43%	-0.8%	-0.58%	13.26%	-0.99%	2.4%	-4.41%	12.96%	18.75%	9.18%	47.9%	8.58%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2022	2021	2020	2019	2018	2017	2016	2015	2014
Basic Shares Outstanding	3.260M	3.277M	3.271M	3.271M	3.269M	3.267M	3.289M	3.339M	3.406M
Diluted Shares Outstanding	3.265M	3.338M	3.307M	3.277M	3.270M	3.272M	3.289M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $70.094 Million

About UNITED BANCSHARES INC/OH

United Bancshares, Inc. is a financial holding company, which operates through its wholly owned subsidiary Union Bank Co. The company is headquartered in Columbus Grove, Ohio. Its principal subsidiary is The Union Bank Company (Union Bank). Its core business operations are conducted through its subsidiaries, Union Bank and UBC Risk Management, Inc. (UBC Risk Management). Union Bank is a full-service community bank offering a full range of commercial and consumer banking services. Union Bank offers a range of deposit services, including checking accounts, savings and money market accounts, certificates of deposit and individual retirement accounts. Wealth management services are offered by Union Bank through an arrangement with LPL Financial LLC, a registered broker/dealer. Union Bank’s loan products include commercial and residential real estate loans, agricultural loans, commercial and industrial loans, home equity loans, various types of consumer loans and others. UBC Risk Management is a captive insurance subsidiary that insures various liability and property damage policies for the Company.

Industry: National Commercial Banks Peers: AMERISERV FINANCIAL INC /PA/ BANK OF THE JAMES FINANCIAL GROUP INC DELHI BANK CORP Farmers & Merchants Bancshares, Inc. Oxford Bank Corp PNC FINANCIAL SERVICES GROUP, INC.