ScoreWhy is United Bancshares, Inc. (Ohio) ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0%
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -2.70%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.00%
EBIT Growth (5y)
-15.30%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
22.51%
Pledged Shares
0
Institutional Holding
0.89%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.25
EV to EBIT
7.88
EV to EBITDA
7.88
EV to Capital Employed
1.36
EV to Sales
1.81
PEG Ratio
NA
Dividend Yield
0.05%
ROCE (Latest)
17.26%
ROE (Latest)
10.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 1.07%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 78.54%
OPERATING PROFIT(Q)
Highest at USD 4.2 MM
OPERATING PROFIT MARGIN(Q)
Highest at 28.29 %
PRE-TAX PROFIT(Q)
Highest at USD 4.2 MM
NET PROFIT(Q)
Highest at USD 3.68 MM
EPS(Q)
Highest at USD 1.32
-2What is not working for the Company
ROCE(HY)
Lowest at 1.07%
Here's what is working for United Bancshares, Inc. (Ohio)
Operating Profit
Highest at USD 4.2 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 28.29 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 4.2 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 3.68 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.32
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 78.54%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
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