United Bancshares, Inc. is a financial holding company, which operates through its wholly owned subsidiary Union Bank Co. The company is headquartered in Columbus Grove, Ohio. Union is engaged in the business of commercial banking. Union is an Ohio state-chartered bank, providing full-service banking to the people and businesses throughout the communities it serves through offices across Northwest and Central Ohio, including Bowling Green, Columbus Grove, Delphos, Findlay, Gibsonburg, Kalida, Leipsic, Lewis Center, Lima, Marion, Ottawa, Paulding, and Pemberville. Through its subsidiary, the Bank, the Company is engaged in the business of full-service community banking offering a full range of commercial and consumer banking services. Its personal banking services include checking, savings, credit cards, and lending. Its commercial solutions consist of lending and financing, commercial real estate, and treasury services. Its small business solution includes free business checking, analyzed business checking, and order checks.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
10
13
9
42
12
16
Income Tax Expense
1
1
0
0
1
2
Net Income
9
11
9
41
11
13
Net Income Growth
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22%
-78%
273%
-15%
0%
Shares Outstanding (Diluted)
2.96
2.96
2.99
3.07
3.26
3.34
Shares Change (YoY)
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-1%
-3%
-6%
-2%
1%
EPS (Diluted)
3.1
4.04
3.06
13.57
3.46
4.07
EPS Growth
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32%
-77%
292%
-15%
-2%
Free Cash Flow
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13
22
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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1
1
EBIT
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EBIT Margin
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Effective Tax Rate
10%
7.69%
0%
0%
8.33%
12.5%
Follow-Up Questions
What are United Bancshares Inc's key financial statements?
According to the latest financial statement (Form-10K), United Bancshares Inc has a total asset of $1,193, Net profit of $11
What are the key financial ratios for UBOH?
United Bancshares Inc's Current ratio is 1.1, has a Net margin is 0, sales per share of $0.
How is United Bancshares Inc's revenue broken down by segment or geography?
United Bancshares Inc largest revenue segment is Commercial and Consumer Banking, at a revenue of 40,482,000 in the most earnings release.For geography, United States is the primary market for United Bancshares Inc, at a revenue of 40,482,000.
Is United Bancshares Inc profitable?
yes, according to the latest financial statements, United Bancshares Inc has a net profit of $11
Does United Bancshares Inc have any liabilities?
yes, United Bancshares Inc has liability of 1,079
How many outstanding shares for United Bancshares Inc?
United Bancshares Inc has a total outstanding shares of 2.95