UNITED BANCSHARES INC/OHIO (UBOH) Fundamental Analysis & Valuation

NASDAQ:UBOH • US9094581017

Current stock price

19.65 USD
-1.55 (-7.31%)
Last:

This UBOH fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. UBOH Profitability Analysis

1.1 Basic Checks

  • UBOH had positive earnings in the past year.
UBOH Yearly Net Income VS EBIT VS OCF VS FCFUBOH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M 25M

1.2 Ratios

Industry RankSector Rank
ROA 1.04%
ROE 13.2%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
UBOH Yearly ROA, ROE, ROICUBOH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

  • UBOH does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.63%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
UBOH Yearly Profit, Operating, Gross MarginsUBOH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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1

2. UBOH Health Analysis

2.1 Basic Checks

  • UBOH does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for UBOH remains at a similar level compared to 1 year ago.
  • The debt/assets ratio for UBOH has been reduced compared to a year ago.
UBOH Yearly Shares OutstandingUBOH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 1M 2M 3M
UBOH Yearly Total Debt VS Total AssetsUBOH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B

2.2 Solvency

  • UBOH has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.59%
UBOH Yearly LT Debt VS Equity VS FCFUBOH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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2

3. UBOH Growth Analysis

3.1 Past

  • UBOH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.32%.
  • The Earnings Per Share has been growing by 19.37% on average over the past years. This is quite good.
  • Looking at the last year, UBOH shows a very negative growth in Revenue. The Revenue has decreased by -18.88% in the last year.
  • UBOH shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.99% yearly.
EPS 1Y (TTM)-17.32%
EPS 3Y17.38%
EPS 5Y19.37%
EPS Q2Q%-18.17%
Revenue 1Y (TTM)-18.88%
Revenue growth 3Y12.15%
Revenue growth 5Y16.99%
Sales Q2Q%-10.74%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
UBOH Yearly Revenue VS EstimatesUBOH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M

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2

4. UBOH Valuation Analysis

4.1 Price/Earnings Ratio

  • UBOH is valuated cheaply with a Price/Earnings ratio of 5.71.
  • When comparing the Price/Earnings ratio of UBOH to the average of the S&P500 Index (26.78), we can say UBOH is valued rather cheaply.
Industry RankSector Rank
PE 5.71
Fwd PE N/A
UBOH Price Earnings VS Forward Price EarningsUBOH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
UBOH Per share dataUBOH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.29
EPS Next 2YN/A
EPS Next 3YN/A

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6

5. UBOH Dividend Analysis

5.1 Amount

  • UBOH has a Yearly Dividend Yield of 3.96%.
  • The stock price of UBOH dropped by -37.06% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • UBOH's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.96%

5.2 History

  • The dividend of UBOH is nicely growing with an annual growth rate of 15.00%!
  • UBOH has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)15%
Div Incr YearsN/A
Div Non Decr YearsN/A
UBOH Yearly Dividends per shareUBOH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 0.2 0.4 0.6

5.3 Sustainability

  • UBOH pays out 23.37% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of UBOH is growing, but earnings are growing more, so the dividend growth is sustainable.
DP23.37%
EPS Next 2YN/A
EPS Next 3YN/A
UBOH Yearly Income VS Free CF VS DividendUBOH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 5M 10M 15M 20M
UBOH Dividend Payout.UBOH Dividend Payout, showing the Payout Ratio.UBOH Dividend Payout.PayoutRetained Earnings

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UBOH Fundamentals: All Metrics, Ratios and Statistics

UNITED BANCSHARES INC/OHIO

NASDAQ:UBOH (8/26/2022, 8:07:50 PM)

19.65

-1.55 (-7.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A
Earnings (Next)09-06
Inst Owners0.7%
Inst Owner Change0%
Ins Owners3.16%
Ins Owner Change0%
Market Cap64.45M
Revenue(TTM)48.66M
Net Income(TTM)11.50M
Analysts0
Price TargetN/A
Short Float %0%
Short Ratio0.02
Dividend
Industry RankSector Rank
Dividend Yield 3.96%
Yearly Dividend0.73
Dividend Growth(5Y)15%
DP23.37%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 5.71
Fwd PE N/A
P/S 1.32
P/FCF N/A
P/OCF N/A
P/B 0.74
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.44
EY17.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS14.84
BVpS26.56
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.29
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 13.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.63%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.59%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-17.32%
EPS 3Y17.38%
EPS 5Y19.37%
EPS Q2Q%-18.17%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-18.88%
Revenue growth 3Y12.15%
Revenue growth 5Y16.99%
Sales Q2Q%-10.74%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

UNITED BANCSHARES INC/OHIO / UBOH Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for UNITED BANCSHARES INC/OHIO?

ChartMill assigns a fundamental rating of 4 / 10 to UBOH.


What is the valuation status of UNITED BANCSHARES INC/OHIO (UBOH) stock?

ChartMill assigns a valuation rating of 9 / 10 to UNITED BANCSHARES INC/OHIO (UBOH). This can be considered as Undervalued.


What is the profitability of UBOH stock?

UNITED BANCSHARES INC/OHIO (UBOH) has a profitability rating of 3 / 10.


What is the valuation of UNITED BANCSHARES INC/OHIO based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UNITED BANCSHARES INC/OHIO (UBOH) is 5.71 and the Price/Book (PB) ratio is 0.74.


How financially healthy is UNITED BANCSHARES INC/OHIO?

The financial health rating of UNITED BANCSHARES INC/OHIO (UBOH) is 1 / 10.