UBOH
United Bancshares, Inc.Financial Services · $109M market cap
Is UBOH undervalued?
Share price
$40.27
as of Oct 21, 2026
Fair value
$89.77
Sticker Price
Payback Price
$35.91
buy price
UBOH is Undervalued: at $40.27 it trades 55% below its fair value of $89.77. Its buy price (Payback Price) is $35.91, 11% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
1 of 5 clear the 10% bar. What are the Big Five?
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What is UBOH's fair value?
$89.77 as of Oct 21, 2026, worked out with the Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
At what price would UBOH be a buy?
At or below its buy price of $35.91, a 60% margin of safety below its fair value.
Is UBOH undervalued right now?
UBOH is Undervalued: at $40.27 it trades 55% below its fair value and 12% above its buy price.
How can I check UBOH's value myself?
Use the free Sticker Price calculator, already filled with UBOH's numbers. Change the growth, P/E or required return and see what you'd pay. Open the calculator →
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About United Bancshares, Inc.
United Bancshares, Inc. serves as the holding company for The Union Bank Company, offering a comprehensive suite of commercial and consumer banking services. Its deposit portfolio includes checking, savings, demand, money market, and term certificates, alongside individual retirement accounts and certificates of deposit. The firm provides a diverse array of lending solutions, encompassing commercial and residential real estate, agricultural, commercial and industrial, home equity, consumer, and Small Business Administration (SBA) loans. Beyond traditional banking, it delivers wealth management, financial planning, mutual funds, securities trading, annuities, and life insurance. Customers also have access to treasury management, online and mobile banking, ATMs, bill payment, safe deposit box rentals, and other tailored payment and personalized services. The company maintains eighteen full-service banking centers and three loan production offices across northwest and central Ohio. Established in 1904, United Bancshares, Inc. is headquartered in Columbus Grove, Ohio.
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Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of Oct 21, 2026. How the Payback Price works