US · NATIONAL COMMERCIAL BANKS · SMALL CAP
United Bancshares Inc/oh UBOH
14 fiscal years on record · USD · FY2022 reported
SEC FILINGS ONLY
Revenue · FY2022
$1.2M
▲ 13.0% vs FY2021
Dividend streak
2 yrs
Raised every year since 2021
EPS · FY22
$3.46
Dividend / sh · FY22
$0.84
Payout · FY22
24%
ROE · FY22
11.2%
Net margin · FY22
918.0%
Dividend coverage
4.1×
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Result
USD 1.2M
Revenue, FY2022 · full 14-year series below
Revenue
Net income
918 cents of every revenue dollar became profit this year.
Per share
USD 3.46
Diluted EPS, FY2022
EPS
Dividend
Earnings covered the dividend 4.1 times — the rest stayed in the company.
Profitability
11.2%
Return on equity, FY2022
ROE
Operating margin1016.6%
Net margin918.0%
Return on assets1.0%
Each USD of equity produced 11 cents of profit this year.
Returned to shareholders
USD 5.6M
returned in FY2022 · dividends + net buybacks
Dividends paidUSD 2.7M
Net buybacksUSD 2.9M
Share of profit49.7%
Consecutive raises2 years
USD 2.7M in dividends and USD 2.9M in buybacks — 50% of the year's profit went back to shareholders.
Growth
−5.5% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
−6.1%
−5.5%
Net income
+2.0%
+24.1%
+9.7%
EPS, diluted
−89.8%
+24.0%
+10.3%
Dividend / share
+17.3%
+11.8%
+32.6%
Returned to shareholders
+46.3%
+29.1%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.00B
Shares outstanding, FY2022
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
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Balance sheet
USD 1.1B
total assets, end of FY2022
Total assetsUSD 1.1B
EquityUSD 82.7M
CashUSD 30.7M
DepositsUSD 953.9M
Equity funds 8% of total assets.
History
14 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
Operating income $B
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
EBITDA $B
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EPS, diluted $
3.46
4.07
4.16
3250.00
2.51
1.18
1.68
1.77
1.27
1.35
1.30
0.85
0.82
0.84
Dividend / sh $
0.84
0.73
0.51
0.52
0.48
0.48
0.44
0.36
0.35
0.20
0.05
·
0.45
·
Payout %
24
18
12
16
19
41
26
20
28
15
·
·
·
·
ROE %
11.2
11.8
13.3
12.1
10.5
5.2
7.7
8.5
6.6
7.3
7.2
5.1
5.1
5.3
Shares out B
0.00
0.00
·
0.00
0.00
·
·
·
·
·
·
·
·
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
26 of 26
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed