United Bancshares (UBOH) Stock Price, News & Analysis

Company Overview

United Bancshares, Inc. is a bank holding company headquartered in Baton Rouge, Louisiana, serving as the parent of United Bank & Trust. The company provides a broad range of personal and commercial banking services to customers across the Gulf Coast region, leveraging a network of branch locations complemented by online and mobile banking platforms.

United Bank & Trust offers deposit products including checking and savings accounts, certificates of deposit, and money market accounts. The company focuses on delivering convenient and accessible banking through digital channels, enabling customers to manage accounts, make payments, and access account information from anywhere.

Lending solutions form a significant part of United Bancshares’ operations. Its offerings include residential mortgage financing, consumer installment loans, and commercial lending options such as real estate loans, equipment financing, and lines of credit. The bank also participates in SBA-backed lending programs to support the growth and development of small and medium-sized businesses in its service area.

Beyond core banking services, United Bancshares provides wealth management and trust services, including investment management, estate planning, and fiduciary solutions. The company’s financial professionals work with individuals, families, and businesses to develop tailored strategies that address their unique financial goals, reinforcing the bank’s commitment to community-focused banking.

Key Stats

• Today's Range: $34.89 to $35.00
• 50-Day Range: $27.90 to $35.00
• 52-Week Range: $19.42 to $35.00
• Volume: 638 shs
• Average Volume: 2,507 shs
• Market Capitalization: $103.41 million
• P/E Ratio: 11.36
• Dividend Yield: 2.64%
• Price Target: N/A
• Consensus Rating: N/A

United Bancshares Stock Analysis - MarketRank™

United Bancshares scored higher than 36% of companies evaluated by MarketBeat, and ranked 806th out of 959 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for United Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Bancshares is 11.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.82.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Bancshares is 11.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.73.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.19% of the float of United Bancshares has been sold short.

Short Interest Ratio / Days to Cover

United Bancshares has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bancshares has recently decreased by 55.93%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

United Bancshares pays a meaningful dividend of 2.65%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Bancshares is 23.96%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.19% of the float of United Bancshares has been sold short.

Short Interest Ratio / Days to Cover

United Bancshares has a short interest ratio ("days to cover") of 0.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Bancshares has recently decreased by 55.93%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.16

News Sentiment

United Bancshares has a news sentiment score of 1.16. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for United Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 6.62% of the stock of United Bancshares is held by insiders.

Percentage Held by Institutions

Only 1.03% of the stock of United Bancshares is held by institutions.

UBOH Stock Analysis - Frequently Asked Questions

How have UBOH shares performed this year?

United Bancshares' stock was trading at $31.00 at the beginning of 2025. Since then, UBOH stock has increased by 12.5% and is now trading at $34.89.

How do I buy shares of United Bancshares?

Shares of UBOH stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of United Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Bancshares investors own include Marathon Petroleum (MPC), Nuveen Ohio Quality Municipal Income Fund (NUO), American Electric Power (AEP), Gilead Sciences (GILD), Huntington Bancshares (HBAN), International Paper (IP) and Meredith (MDP).

Company Calendar

• Record date for 6/16 Dividend: 4/30/2025
• Dividend Payable: 6/16/2025
• Record date for 9/15 Dividend: 8/29/2025
• Today: 9/13/2025
• Dividend Payable: 9/15/2025
• Next Earnings (Estimated): 10/15/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UBOH
• CIK: 1087456
• Web: www.theubank.com
• Phone: (419) 659-2141
• Fax: 419-659-2069
• Employees: 210
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.84
• Trailing P/E Ratio: 11.36
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $9.15 million
• Net Margins: 14.84%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $46.23 million
• Price / Sales: 2.24
• Cash Flow: $5.11 per share
• Price / Cash Flow: 6.83
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 2,964,000
• Free Float: 2,772,000
• Market Cap: $103.41 million
• Optionable: Not Optionable
• Beta: 0.07