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 Trend4What is working for the Company
NII(Q)
Highest at USD 11.99 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 17.24 MM
-11What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
OPERATING PROFIT(Q)
Lowest at USD 1.61 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 9.34 %
PRE-TAX PROFIT(Q)
Lowest at USD 1.61 MM
NET PROFIT(Q)
Lowest at USD 1.67 MM
Here's what is working for United Bancshares, Inc. (Ohio)
NII
Highest at USD 11.99 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 17.24 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for United Bancshares, Inc. (Ohio)
Pre-Tax Profit
At USD 1.61 MM has Fallen at -55.84%
over average net sales of the previous four periods of USD 3.65 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 1.67 MM has Fallen at -48.11%
over average net sales of the previous four periods of USD 3.22 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Profit
Lowest at USD 1.61 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 9.34 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 1.61 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 1.67 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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