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MARKETS / UBOH
NATIONAL COMMERCIAL BANKS · SMALL CAP

United Bancshares Inc. UBOH

14 fiscal years on record · USD · FY2022 reported · SEC filings only
$1.2M
▲ 13.0% YoY
$11.3M
▼ 16.7% YoY
$13.2M
▼ 41.3% YoY
Growth
USD 1.2M
Revenue, FY2022 · full 14-year series below
Revenue $M Net income $M
FY2022 · Revenue 1.2 · Net income 11.3
5M10M20092011201320152017201920212022
Compound annual growth
−6.1%
−5.5%
+2.0%
+24.1%
+9.7%
−89.8%
+24.0%
+10.3%
+17.3%
+11.8%
+32.6%
+46.3%
+29.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at −5.5% a year over five years — but profit grew faster: net income at +24.1%, earnings per share at +24.0%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
918 cents
of every revenue dollar became profit
Operating margin Net margin
FY2022 · Operating 1016.6% · Net 918.0%
500%1000%1500%20092011201320152017201920212022
ROE
FY2022 · ROE 11.2%
5%10%20092011201320152017201920212022

Each USD of equity produced 11 cents of profit this year.

Cash & shareholders
USD 5.6M
returned in FY2022 · dividends + net buybacks
Free cash flow $M
FY2022 · FCF 13.2
8M16M20092011201320152017201920212022
Net buybacks $M Dividends $M
FY2022 · Dividends 2.7 · Net buybacks 2.9
2M4MDividendsNet buybacks2013201420152016201720182019202020212022

USD 2.7M in dividends and USD 2.9M in buybacks — 50% of the year's profit went back to shareholders.

Total assetsUSD 1.1B
EquityUSD 82.7M
CashUSD 30.7M
DepositsUSD 953.9M

Equity funds 8% of total assets.

The 14-year record
14 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20222021202020192018201720162015201420132012201120102009
Revenue $B0.00.00.00.00.00.00.0·······
Operating income $B0.00.00.00.0··········
EBITDA $B0.00.00.00.0··········
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $3.464.074.163250.002.511.181.681.771.271.351.300.850.820.84
Dividend / sh $0.840.730.510.520.480.480.440.360.350.200.05·0.45·
Payout %24181216194126202815····
ROE %11.211.813.312.110.55.27.78.56.67.37.25.15.15.3
Shares out B0.000.00·0.000.00·········

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 40 reconciliationsAUDITED

Reconciled in 14 of 19 fiscal years. 17 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityNational Commercial Banks
Listed onnot stated in the filings
Incorporated inOhio
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2009

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