UBOH · CIK 0001087456
UNITED BANCSHARES INC/OH
Annual figures as reported, FY2011–FY2022. Ratios and growth rates derived on-page.
National Commercial Banks
Company profile
Revenue
$1.2M
▲ +13.0% vs FY2021
Net income
$11.3M
▼ −16.7% vs FY2021
Free cash flow
$13.2M
▼ −41.3% vs FY2021
Diluted EPS
$3.46
▼ −15.0% vs FY2021
Revenue
Annual, as reported
Net income
Annual, as reported
Recent quarters
momentum · last 12 quartersNet income — Dec ’22 quarter
$3.5M
▲ +30.1% vs Dec ’21
Diluted EPS — trailing 12 months
$3.45
▼ −15.2% vs Dec ’21
Quarterly net income
Discrete quarters; Q4 derived from the annual figure
| Quarter | Revenue | Rev. YoY | Gross margin | Net income | Net margin | Diluted EPS |
|---|---|---|---|---|---|---|
| Dec ’22 | — | — | — | $3.5M | — | $1.10 |
| Sep ’22 | — | — | — | $3.1M | — | $0.94 |
| Jun ’22 | — | — | — | $2.2M | — | $0.65 |
| Mar ’22 | — | — | — | $2.5M | — | $0.76 |
| Dec ’21 | — | — | — | $2.7M | — | $0.81 |
| Sep ’21 | — | — | — | $4.1M | — | $1.22 |
| Jun ’21 | — | — | — | $2.7M | — | $0.80 |
| Mar ’21 | — | — | — | $4.1M | — | $1.24 |
Profitability & returns
quality of earningsMargins
Share of revenue kept at each line
Returns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paidBuybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Growth rates
compounding, annualizedRevenue CAGR
−6.1%
3y
−5.5%
5y
Net income CAGR
+2.0%
3y
+24.1%
5y
+9.7%
10y
Diluted EPS CAGR
−89.8%
3y
+24.0%
5y
+10.3%
10y
Free cash flow CAGR
+66.3%
3y
+51.1%
5y
+6.3%
10y
Share count change (split-adjusted)
−0.2%
5y
−5.3%
10y
Key ratios
derived per fiscal year| Fiscal year | Net margin | FCF margin | ROE | ROA | DPS |
|---|---|---|---|---|---|
| FY2022 | 918.0% | 1071.4% | 13.7% | 1.0% | $0.84 |
| FY2021 | 1246.0% | 2062.4% | 11.4% | 1.3% | $0.73 |
| FY2020 | 1248.2% | 1419.0% | 12.3% | 1.4% | $0.51 |
| FY2019 | 717.4% | 193.1% | 11.2% | 1.2% | $0.52 |
| FY2018 | 510.6% | 287.2% | 10.2% | 1.0% | $0.48 |
| FY2017 | 235.1% | 102.6% | 5.1% | 0.5% | $0.48 |
| FY2016 | 342.9% | 261.7% | 7.6% | 0.9% | $0.44 |
| FY2015 | — | — | 8.3% | 1.0% | $0.36 |
| FY2014 | — | — | 6.4% | 0.7% | $0.35 |
| FY2013 | — | — | 7.4% | 0.8% | $0.20 |
| FY2012 | — | — | 7.0% | 0.8% | $0.05 |
| FY2011 | — | — | 4.9% | 0.5% | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2022 | $1.2M | — | — | $11.3M | $3.46 | $16.8M | $3.6M | $1.1B | $1.0B | $82.7M | $30.7M | — |
| FY2021 | $1.1M | — | — | $13.6M | $4.07 | $26.4M | $4.0M | $1.1B | $957.5M | $119.1M | $75.2M | — |
| FY2020 | $1.1M | — | — | $13.8M | $4.16 | $17.2M | $1.6M | $978.5M | $866.9M | $111.6M | $57.0M | — |
| FY2019 | $1.5M | — | — | $10.7M | $3250.00 | $3.6M | $753K | $880.0M | $785.2M | $94.8M | $26.4M | — |
| FY2018 | $1.6M | — | — | $8.2M | $2.51 | $5.1M | $525K | $830.3M | $749.4M | $80.9M | $16.5M | — |
| FY2017 | $1.6M | — | — | $3.8M | $1.18 | $5.9M | $4.2M | $780.5M | $704.7M | $75.7M | $27.3M | — |
| FY2016 | $1.6M | — | — | $5.5M | $1.68 | $6.6M | $2.4M | $633.1M | $560.6M | $72.6M | $14.2M | — |
| FY2015 | — | — | — | $5.9M | $1.77 | $6.9M | $312K | $608.7M | $537.1M | $71.6M | $22.9M | — |
| FY2014 | — | — | — | $4.3M | $1.27 | $4.8M | $314K | $650.2M | $582.4M | $67.8M | $32.4M | — |
| FY2013 | — | — | — | $4.6M | $1.35 | $5.1M | $395K | $556.2M | $493.2M | $63.0M | $22.4M | — |
| FY2012 | — | — | — | $4.5M | $1.30 | $7.3M | $114K | $572.4M | $508.3M | $64.2M | $49.9M | — |
| FY2011 | — | — | — | $2.9M | $0.85 | $9.6M | $168K | $587.0M | $527.3M | $59.7M | $57.3M | — |
Latest filings
the most recent regulatory filingsDSEC filing2026-05-13 ↗15-12GSEC filing2023-03-23 ↗10-KAnnual report2023-03-13 ↗8-KCurrent report — material event2023-01-19 ↗S-8 POSSecurities registration2022-11-29 ↗S-8 POSSecurities registration2022-11-29 ↗S-8 POSSecurities registration2022-11-29 ↗4Insider ownership filing2022-11-14 ↗4Insider ownership filing2022-11-14 ↗4Insider ownership filing2022-11-14 ↗
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