United Bancshares Statistics

Total Valuation

UBOH has a market cap or net worth of $56.96 million. The enterprise value is $48.66 million.

Market Cap	56.96M
Enterprise Value	48.66M

Important Dates

The last earnings date was Thursday, July 20, 2023, after market close.

Earnings Date	Jul 20, 2023
Ex-Dividend Date	May 30, 2024

Share Statistics

UBOH has 3.04 million shares outstanding. The number of shares has decreased by -3.31% in one year.

Shares Outstanding	3.04M
Shares Change (YoY)	-3.31%
Shares Change (QoQ)	-0.29%
Owned by Insiders (%)	22.43%
Owned by Institutions (%)	2.43%
Float	2.34M

Valuation Ratios

The trailing PE ratio is 6.83.

PE Ratio	6.83
Forward PE	n/a
PS Ratio	1.54
Forward PS	n/a
PB Ratio	0.64
P/FCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	5.69
EV / Sales	1.28
EV / EBITDA	6.65
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	0.20
Debt / EBITDA	2.43
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.40% and return on invested capital (ROIC) is 7.86%.

Return on Equity (ROE)	9.40%
Return on Assets (ROA)	0.80%
Return on Capital (ROIC)	7.86%
Revenue Per Employee	$179,469
Profits Per Employee	$40,536
Employee Count	211
Asset Turnover	0.04
Inventory Turnover	n/a

Taxes

In the past 12 months, UBOH has paid $694,000 in taxes.

Income Tax	694,000
Effective Tax Rate	7.51%

Stock Price Statistics

The stock price has increased by +3.78% in the last 52 weeks. The beta is 0.37, so UBOH's price volatility has been lower than the market average.

Beta (5Y)	0.37
52-Week Price Change	+3.78%
50-Day Moving Average	18.68
200-Day Moving Average	18.43
Relative Strength Index (RSI)	71.46
Average Volume (20 Days)	1,562

Short Selling Information

The latest short interest is 1,109, so 0.04% of the outstanding shares have been sold short.

Short Interest	1,109
Short Previous Month	844
Short % of Shares Out	0.04%
Short % of Float	0.05%
Short Ratio (days to cover)	0.37

Income Statement

In the last 12 months, UBOH had revenue of $37.87 million and earned $8.55 million in profits. Earnings per share was $2.81.

Revenue	37.87M
Gross Profit	38.16M
Operating Income	9.25M
Pretax Income	9.25M
Net Income	8.55M
EBITDA	7.32M
EBIT	n/a
Earnings Per Share (EPS)	$2.81

Full Income Statement

Balance Sheet

The company has $27.45 million in cash and $17.80 million in debt, giving a net cash position of $9.65 million or $3.18 per share.

Cash & Cash Equivalents	27.45M
Total Debt	17.80M
Net Cash	9.65M
Net Cash Per Share	$3.18
Equity (Book Value)	90.98M
Book Value Per Share	29.96
Working Capital	27.45M

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross margin is 100.77%, with operating and profit margins of 24.42% and 22.59%.

Gross Margin	100.77%
Operating Margin	24.42%
Pretax Margin	24.42%
Profit Margin	22.59%
EBITDA Margin	19.32%
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.88, which amounts to a dividend yield of 4.58%.

Dividend Per Share	$0.88
Dividend Yield	4.58%
Dividend Growth (YoY)	2.33%
Years of Dividend Growth	3
Payout Ratio	31.32%
Buyback Yield	3.31%
Shareholder Yield	7.89%
Earnings Yield	14.67%
FCF Yield	n/a

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on December 1, 1998. It was a forward split with a ratio of 1.0006:1.

Last Split Date	Dec 1, 1998
Split Type	Forward
Split Ratio	1.0006:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	5