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UNITED BANCSHARES INC/OHIO (UBOH) Stock Fundamental Analysis

USA - NASDAQ:UBOH - US9094581017 - Common Stock

19.65 USD
-1.55 (-7.31%)
Last: 8/26/2022, 8:07:50 PM
Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to UBOH. UBOH was compared to 391 industry peers in the Banks industry. UBOH has a bad profitability rating. Also its financial health evaluation is rather negative. UBOH does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year UBOH was profitable.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

The Operating Margin and Gross Margin are not available for UBOH so they could not be analyzed.
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 2015 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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1

2. Health

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.
UBOH has a better debt/assets ratio than last year.
UBOH Yearly Shares OutstandingUBOH Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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 2015 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. Growth

3.1 Past

UBOH shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.32%.
Measured over the past years, UBOH shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.37% on average per year.
UBOH shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -18.88%.
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 2014 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M

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2

4. Valuation

4.1 Price/Earnings Ratio

UBOH is valuated cheaply with a Price/Earnings ratio of 5.71.
Compared to an average S&P500 Price/Earnings ratio of 27.57, 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. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.96%, UBOH has a reasonable but not impressive dividend return.
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 2.32.
Industry RankSector Rank
Dividend Yield 3.96%

5.2 History

On average, the dividend of UBOH grows each year by 15.00%, which is quite nice.
UBOH has paid a dividend for at least 10 years, which is 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 2015 2016 2017 2018 2019 2020 2021 2022 0.2 0.4 0.6

5.3 Sustainability

23.37% of the earnings are spent on dividend by UBOH. This is a low number and sustainable payout ratio.
UBOH's earnings are growing more than its dividend. This makes the dividend growth 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 2015 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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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 N/A
Earnings (Next)09-06 2022-09-06/amc
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 %0.19%
Short Ratio1.07
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