Reading the annual reports…
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
First time this company is opened: we are analysing its official reports. This can take up to a minute; after that the page loads instantly.
UBOH · OTC · United States · National Commercial Banks
In shortUNITED BANCSHARES INC/OH is profitable.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 918.0% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 11.2% | 56/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 1071.4% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.17× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 4 of 5 | 0/100 |
| Revenue growth volatility | 14.1% | 59/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | -6.1% | 0/100 |
|---|---|---|
| EPS growth, 3-year average | -89.8% | 0/100 |
Weight in the score: 10%
Fiscal year 2022 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY18 | FY19 | FY20 | FY21 | FY22 |
|---|---|---|---|---|---|
| Revenue | 1.6 | 1.5 | 1.1 | 1.1 | 1.2 |
| Interest expense | 6.2 | 8.9 | 7 | 3.1 | 3.3 |
| Pre-tax income | 9.7 | 12 | 17 | 16 | 13 |
| Income tax | 1.5 | 1.6 | 2.9 | 2.5 | 1.2 |
| Net income | 8.2 | 11 | 14 | 14 | 11 |
| Diluted EPS | $2.51 | $3,250.00 | $4.16 | $4.07 | $3.46 |
| Diluted shares (millions) | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2022 · Data updated Mar 13, 2023