United Bancshares, Inc. (UBOH)

United Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Quarter	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021
Period Ending	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021
Interest Income on Loans	62.18	59.48	58.82	47.6	47.16	45.12	42.81	50.91	48.55	47.89	38.66	38.06	36.21	33.62	31.2	30.49	31.78	32.45	33.72	35.4
Interest Income on Investments	-	-	-	10.48	10.48	10.48	10.48	-	-	-	8.54	7.74	7.74	7.74	7.74	7.07	6.31	5.63	5.08	4.61
Total Interest Income	62.18	59.48	58.82	58.08	57.64	55.6	53.28	50.91	48.55	47.89	47.2	45.8	43.95	41.36	38.94	37.56	38.08	38.08	38.8	40.01
Interest Paid on Deposits	18.48	17.87	18.47	17.86	19.04	19.45	19.53	20.02	17.84	16.19	12.7	10.22	7.22	4.38	2.32	1.79	1.79	2.03	2.28	2.51
Interest Paid on Borrowings	-	-	-	1.46	1.46	1.46	1.46	-	-	-	1.4	0.94	0.94	0.94	0.94	0.81	0.77	0.76	0.79	1.57
Total Interest Expense	18.48	17.87	18.47	19.31	20.49	20.9	20.99	20.02	17.84	16.19	14.09	11.16	8.16	5.32	3.26	2.61	2.56	2.8	3.07	4.08
Net Interest Income	43.71	41.62	40.36	38.77	37.15	34.69	32.3	30.88	30.71	31.7	33.11	34.64	35.79	36.04	35.68	34.96	35.53	35.28	35.74	35.93
Net Interest Income Growth (YoY)	17.65%	19.95%	24.95%	25.54%	20.95%	9.46%	-2.44%	-10.84%	-14.19%	-12.06%	-7.22%	-0.92%	0.74%	2.15%	-0.14%	-2.70%	3.22%	2.05%	8.15%	13.86%
Gain (Loss) on Sale of Investments	-	-	-	-0.01	-0.01	-0.01	-0.01	-	-	-	-0.07	-0.11	-0.11	-0.11	-0.11	-0.13	-0.09	-0.06	-0.02	-0.01
Other Non-Interest Income	3.57	7.49	7.13	3.2	3.49	3.71	4.19	8.17	7.82	7.91	4	4.46	5.53	5.63	6.97	6.53	5.44	4.18	2.8	-0.33
Total Non-Interest Income	3.57	7.49	7.13	7.43	7.72	7.94	8.42	8.17	7.82	7.91	7.38	7.45	8.51	8.62	9.95	11.25	13.14	14.69	17.35	19.13
Non-Interest Income Growth (YoY)	-53.72%	-5.65%	-15.32%	-9.04%	-1.24%	0.38%	14.16%	9.69%	-8.20%	-8.18%	-25.91%	-33.77%	-35.19%	-41.33%	-42.61%	-41.22%	-48.62%	-50.89%	-35.76%	-25.54%
Revenues Before Loan Losses	47.28	49.11	47.49	46.2	44.87	42.64	40.72	39.05	38.53	39.61	40.48	42.08	44.3	44.66	45.64	46.2	48.66	49.97	53.08	55.06
Provision for Loan Losses	0.51	0.64	0.45	0.05	-0.31	-0.73	-1.11	-1.07	-0.78	-0.66	-0.39	-1.09	-1.1	-1.03	-1	-	-	-	0.3	2.05
Revenue	46.77	48.47	47.04	46.15	45.17	43.37	41.83	40.12	39.3	40.26	40.87	43.18	45.4	45.68	46.64	46.2	48.66	49.97	52.78	53.01
Revenue Growth (YoY)	3.54%	11.76%	12.45%	15.04%	14.93%	7.70%	2.35%	-7.08%	-13.43%	-11.86%	-12.36%	-6.54%	-6.71%	-8.58%	-11.64%	-12.84%	-11.42%	-14.63%	-1.97%	0.69%
Salaries and Employee Benefits	-	-	-	15.18	15.18	15.18	15.18	-	-	-	15.56	18.23	18.23	18.23	18.23	19.12	19.12	19.12	20.52	20.49
Selling, General & Administrative	-	-	-	5.56	5.56	5.56	5.56	-	-	-	5.69	4.66	4.66	4.66	6.41	6.07	6.07	6.07	4.67	5.27
Other Non-Interest Expense	34.08	33.87	33.52	12.11	11.79	11.51	11.18	30.94	30.7	31.02	10.33	9.56	10.62	11.18	9.48	9.49	10.3	10.81	11.52	12.17
Total Non-Interest Expense	34.08	33.87	33.52	32.84	32.53	32.25	31.92	30.94	30.7	31.02	31.58	32.45	33.51	34.07	34.11	34.67	35.49	36	36.71	37.93
EBT Excluding Unusual Items	12.69	14.59	13.52	13.31	12.64	11.11	9.92	9.18	8.61	9.25	9.29	10.73	11.89	11.61	12.52	11.53	13.17	13.97	16.08	15.08
Pretax Income	12.69	14.59	13.52	13.31	12.64	11.11	9.92	9.18	8.61	9.25	9.29	10.73	11.89	11.61	12.52	11.53	13.17	13.97	16.08	15.08
Income Tax Expense	1.27	1.71	1.53	1.38	1.24	1	0.76	0.71	0.63	0.69	0.68	0.93	0.98	0.94	1.21	1.03	1.68	1.99	2.49	2.47
Net Income	11.43	12.88	12	11.93	11.41	10.11	9.16	8.47	7.98	8.55	8.61	9.8	10.91	10.68	11.31	10.49	11.5	11.98	13.58	12.61
Net Income to Common	11.43	12.88	12	11.93	11.41	10.11	9.16	8.47	7.98	8.55	8.61	9.8	10.91	10.68	11.31	10.49	11.5	11.98	13.58	12.61
Net Income Growth (YoY)	0.16%	27.36%	31.02%	40.78%	42.96%	18.24%	6.38%	-13.53%	-26.86%	-19.87%	-23.91%	-6.61%	-5.11%	-10.92%	-16.72%	-16.79%	-16.50%	-28.60%	-1.26%	-21.91%
Basic Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3	3
Shares Change (YoY)	-3.80%	-1.95%	-0.88%	-1.23%	-1.72%	-2.21%	-2.67%	-3.65%	-4.64%	-5.61%	-5.79%	-5.84%	-4.81%	-3.48%	-2.20%	-0.64%	-0.11%	0.83%	0.96%	1.77%
EPS (Basic)	3.99	4.41	4.04	4.02	3.84	3.40	3.06	2.82	2.64	2.81	2.80	3.14	3.44	3.31	3.47	3.20	3.51	3.66	4.14	3.85
EPS (Diluted)	3.99	4.41	4.04	4.02	3.84	3.40	3.06	2.82	2.64	2.81	2.80	3.13	3.43	3.30	3.46	3.17	3.45	3.59	4.07	3.78
EPS Growth (YoY)	4.07%	29.83%	32.11%	42.60%	45.53%	20.97%	9.29%	-10.12%	-23.20%	-14.99%	-19.07%	-1.01%	-0.55%	-8.07%	-14.99%	-16.21%	-16.23%	-28.99%	-2.16%	-23.30%
Dividend Per Share	0.940	0.920	0.900	0.900	0.890	0.880	0.880	0.880	0.880	0.880	0.880	0.870	0.860	0.850	0.840	0.830	0.820	0.780	0.730	0.690
Dividend Growth (YoY)	5.62%	4.54%	2.27%	2.27%	1.14%	0%	0%	1.15%	2.33%	3.53%	4.76%	4.82%	4.88%	8.97%	15.07%	20.29%	30.16%	47.17%	43.14%	43.75%
Effective Tax Rate	9.97%	11.73%	11.28%	10.36%	9.78%	8.99%	7.68%	7.68%	7.26%	7.50%	7.35%	8.64%	8.26%	8.07%	9.69%	8.96%	12.71%	14.21%	15.52%	16.38%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 11, 2026

Data Sources Report a data error