UNITED BANCSHARES INC/OH

UBOH

UNITED BANCSHARES INC/OH

UBOH

Insider Sentiment (TTM):

Last Purchase:2022-09-07Last Sale:2022-07-22Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2023-03-31Institutional Shares Owned:39,785Shares Outstanding:3,153,368Institutional Ownership Pct.:1.26%

Earnings Market Reaction:

Filing Date:N/APrice on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31
Cash And Cash Equivalents
Cash And Due From Banks	21	14	19	18	12	19	13	11	10	10	10	11
Interest Bearing Deposits In Banks	10	35	85	48	64	102	107	87	47	19	59	33
Cash Cash Equivalents And Federal Funds Sold	31	49	104	66	75	121	120	98	57	30	69	45
Available For Sale Securities Debt Securities	281	275	287	297	308	270	229	200	195	183	174	188
Federal Home Loan Bank Stock And Federal Reserve B…	4	4	5	5	5	5	5	6	6	6	6	6
Loans Receivable Held For Sale Net Not Part Of Dis…	4	8	7	10	9	15	18	18	18	32	24	20
Loans And Leases Receivable Gross Carrying Amount	684	637	626	614	610	590	610	636	634	671	671	574
Loans And Leases Receivable Allowance	9	-10	10	10	10	-10	10	10	10	8	6	5
Loans And Leases Receivable Net Reported Amount	674	627	615	604	599	580	600	626	624	663	666	569
Property Plant And Equipment Net	24	24	24	23	22	21	19	19	19	19	19	19
Goodwill	29	29	29	29	29	29	29	29	29	29	29	29
Intangible Assets Net Excluding Goodwill	0	0	0	0	0	1	1	1	1	1	1	1
Cash Surrender Value Of Life Insurance	19	19	20	19	19	19	19	19	19	19	19	19
Other Assets	21	23	20	16	10	11	10	12	11	13	9	9
Assets	1,087	1,059	1,111	1,069	1,077	1,070	1,049	1,027	979	993	1,014	902
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	216	217	241	200	195	193	190	188	186	170	166	120
Interest Bearing Deposit Liabilities	738	744	757	745	735	734	718	701	652	651	665	605
Deposits	954	961	998	945	930	928	907	889	838	821	831	725
Other Borrowings	31	6	7	7	7	7	7	8	8	43	8	8
Junior Subordinated Debenture Owed To Unconsolidat…	13	13	13	13	13	13	13	13	13	13	13	13
Other Liabilities	7	5	6	5	7	6	6	6	8	7	7	7
Liabilities	1,005	985	1,024	970	957	954	934	915	867	884	909	804
Stockholders Equity
Common Stock Value	4	4	4	4	4	4	4	4	4	4	4	4
Additional Paid In Capital	17	17	17	17	16	16	15	15	15	15	15	15
Retained Earnings Accumulated Deficit	112	110	107	106	104	102	98	96	93	91	87	81
Accumulated Other Comprehensive Income Loss Net Of…	-38	-46	-31	-18	4	3	6	4	7	6	7	6
Treasury Stock Value	-12	-10	-9	-9	-9	-8	-8	-8	-8	-8	-8	-8
Stockholders Equity	83	74	87	99	119	116	116	112	112	109	105	98
Liabilities And Stockholders Equity	1,087	1,059	1,111	1,069	1,077	1,070	1,049	1,027	979	993	1,014	902
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Shares Issued	4	4	4	4	4	4	4	4	4	4	4	4
Shares Outstanding	3	-	-	-	3	-	-	-	-	-	-	-
Treasury Stock Shares	1	1	0	0	1	0	0	0	0	0	0	0

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Custom Table

10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Performance and Valuation Metrics

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Metrics	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31
Leverage & Debt
Interest Coverage TTM	4.84	5.42	6.16	5.99	6.24	4.70	4.30	4.58	3.39	3.52	2.89	2.26
Efficiency & Turnover
Days Sales Outstanding TTM	5,967.63	5,862.55	5,823.17	5,894.58	5,753.39	5,668.64	5,853.80	5,414.87	5,454.49	5,740.26	5,825.00	5,425.56
Receivables Turnover TTM	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.06	0.06	0.07
Per Share Metrics
Diluted EPS TTM	-	3.20	3.45	3.59	-	3.81	4.13	5.07	-	4.93	4.07	3.04
Free Cash Flow Per Share TTM	3.46	4.34	5.63	5.28	5.93	12.58	7.54	6.26	4.16	-1.67	-0.11	1.00
Dividend Per Share TTM	0.72	0.83	0.82	0.78	0.63	0.69	0.63	0.53	0.44	0.48	0.47	0.53
Margin Metrics
Gross Profit Margin TTM	91.63%	93.06%	93.29%	92.65%	92.09%	89.80%	87.24%	85.81%	82.54%	80.53%	78.67%	76.41%
Operating Profit Margin TTM	32.16%	30.69%	34.59%	36.68%	41.43%	37.70%	42.09%	50.81%	41.66%	48.99%	40.39%	29.83%
Net Profit Margin TTM	29.04%	27.94%	30.19%	31.47%	35.00%	31.53%	34.90%	41.66%	34.36%	41.22%	34.44%	26.10%
Growth Metrics
Net Revenue Growth (1Y)	0.36%	-6.11%	-3.48%	-5.48%	-3.06%	2.11%	2.03%	5.84%	5.85%	5.30%	6.33%	6.89%
Net Income Growth (1Y)	-16.72%	-16.81%	-16.50%	-28.60%	-1.26%	-21.90%	3.40%	68.94%	29.02%	80.41%	60.07%	20.64%
EPS Growth (1Y)	-17.23%	-16.62%	-16.51%	-28.61%	-2.13%	-22.04%	3.15%	68.54%	29.02%	80.44%	60.06%	20.66%
Calculated Values
Free Cash Flow TTM	13.20M	14.19M	18.46M	17.30M	22.48M	41.23M	24.72M	20.53M	15.64M	-5.48M	-367.00K	3.28M
Net Debt	-30.68M	-13.54M	-19.08M	-17.77M	-75.20M	-121.18M	-119.55M	-97.89M	-57.03M	-29.78M	-68.85M	-44.77M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2022-09-07Purchase

Owner: Rigel, H Edward

Title: -

Shares: 2,000

Price/Share: $19.85

Value: $39,700.00

Shares Owned: 16,190

Relationship: Director

Ownership: Indirect

2022-08-29Purchase

Owner: Young, Brian D

Title: President/CEO

Shares: 25

Price/Share: $19.99

Value: $499.75

Shares Owned: 6,232

Relationship: Director,Officer

Ownership: Direct

2022-07-22Sale

Owner: Schnipke, Norman V

Title: Sr Compliance Officer

Shares: 388

Price/Share: $22.13

Value: $8,586.44

Shares Owned: 15,705

Relationship: Officer

Ownership: Direct

2021-12-20Sale

Owner: Schnipke, Norman V

Title: Sr Compliance Officer

Shares: 454

Price/Share: $31.21

Value: $14,169.34

Shares Owned: 15,333

Relationship: Officer

Ownership: Direct

2021-12-03Sale

Owner: Oatman, Heather Marie

Title: Secretary

Shares: 1,411

Price/Share: $31.08

Value: $43,853.88

Shares Owned: 279

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2022-09-07	Rigel, H Edward	Director	-	Indirect	Purchase	2,000	19.85	$39,700.00	16,190	4
2022-08-29	Young, Brian D	Director,Officer	President/CEO	Direct	Purchase	25	19.99	$499.75	6,232	4
2022-07-22	Schnipke, Norman V	Officer	Sr Compliance Officer	Direct	Sale	388	22.13	$8,586.44	15,705	4
2021-12-20	Schnipke, Norman V	Officer	Sr Compliance Officer	Direct	Sale	454	31.21	$14,169.34	15,333	4
2021-12-03	Oatman, Heather Marie	Officer	Secretary	Direct	Sale	1,411	31.08	$43,853.88	279	4
2021-08-04	Schnipke, Norman V	Officer	Sr Compliance Officer	Direct	Sale	1,303	32.98	$42,972.94	15,333	4
2021-07-22	Nussbaum, Brent D	Officer	Chief Information Officer	Direct	Sale	831	31.59	$26,251.29	0	4
2021-07-09	Deitering, Teresa M	Officer	Chief Credit Officer	Direct	Sale	1,347	31.59	$42,551.73	144	4
2021-05-07	Young, Brian D	Director,Officer	President/CEO	Direct	Sale	4,761	31.59	$150,399.99	3,327	4
2021-05-07	Oatman, Heather Marie	Officer	Secretary	Direct	Sale	1,161	31.59	$36,675.99	279	4
2021-03-29	Schnipke, Norman V	Officer	Sr Compliance Officer	Direct	Sale	425	26.10	$11,092.50	15,333	4
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Institutional Ownership

No data available for chart

2023-03-31

1.26%

Inst. Shares: 39,785

Shares Outstanding: 3,153,368

2022-12-31

1.22%

Inst. Shares: 39,785

Shares Outstanding: 3,269,647

2022-09-30

1.23%

Inst. Shares: 40,364

Shares Outstanding: 3,269,647

2022-06-30

21.04%

Inst. Shares: 689,915

Shares Outstanding: 3,279,397

2022-03-31

20.40%

Inst. Shares: 668,621

Shares Outstanding: 3,278,044

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2023-03-31	39,785	3,153,368	1.26%
2022-12-31	39,785	3,269,647	1.22%
2022-09-30	40,364	3,269,647	1.23%
2022-06-30	689,915	3,279,397	21.04%
2022-03-31	668,621	3,278,044	20.40%
2021-12-31	672,815	3,278,044	20.52%
2021-09-30	651,306	3,277,070	19.87%
2021-06-30	665,567	3,278,932	20.30%
2021-03-31	663,927	3,277,744	20.26%
2020-12-31	624,559	3,277,744	19.05%
2020-09-30	635,825	3,271,402	19.44%
2020-06-30	613,070	3,270,814	18.74%
2020-03-31	611,528	3,270,066	18.70%
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UNITED BANCSHARES INC/OH (UBOH) — SEC Financial Statements & Analysis

UNITED BANCSHARES INC/OH (UBOH) is a national commercial banks company, incorporated in OH. UNITED BANCSHARES INC/OH trades on OTC as: UBOH. Based on its latest SEC filing (Form 10-Q, period ending 2022-12-31), UNITED BANCSHARES INC/OH reported a 0.36% year-over-year revenue growth, a Gross Profit Margin of 91.63% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 0.36%
Gross Profit Margin TTM: 91.63%

Data as of 2022-12-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UNITED BANCSHARES INC/OH in?

UNITED BANCSHARES INC/OH (UBOH) operates in the National Commercial Banks industry.

What exchange does UBOH trade on?

UNITED BANCSHARES INC/OH (UBOH) trades on the OTC.

Where is UNITED BANCSHARES INC/OH incorporated?

UNITED BANCSHARES INC/OH is incorporated in OH.