UNITED BANCSHARES INC/OH (UBOH) valuation

Bring your own price

Enter a share price and a discount rate — every multiple, the earning-power value and the reverse-DCF below recompute on the spot from UNITED BANCSHARES INC/OH's latest SEC EDGAR filings. Change either input and the whole page follows.

Share price (USD)

Discount rate (% per year)

Enter a share price to run the model.

The prefilled 8.9% is a plain CAPM cost of equity at β = 1: the 10-year Treasury yield (4.46%, 2026-06-18, U.S. Treasury 10-yr) plus the U.S. equity risk premium (4.46%, Damodaran 2026-01-01). Build a firmer per-company rate with the cost-of-equity and WACC calculators, then paste it here.

Share price — · awaiting your input

Market Capitalization

Equity value at your price

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Price-to-Earnings

P/E · Trailing Diluted

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Earnings Yield

EPS ÷ Price · Trailing

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Price-to-Free-Cash-Flow

P/FCF · Trailing

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Free-Cash-Flow Yield

FCF Yield · Trailing

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Price-to-Sales

P/S · Trailing

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Price-to-Book

P/B · Latest filing

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Fundamentals from the filings

Every model input below comes straight from UNITED BANCSHARES INC/OH's SEC EDGAR XBRL filings — these are the denominators and bridge inputs the calculator pairs with your price and rate.

Trailing twelve months · FY2022 (year ending 2022-12-31)

Revenue: $1.2M
EBIT (GAAP): $12.5M
EBIT margin: 1016.6%
Operating cash flow: $16.8M
CapEx: $3.6M
D&A: $1.6M
Free cash flow: $13.2M
YoY revenue growth: 13.0%

Balance sheet · 10-K · period ending 2022-12-31

Cash & equivalents: $30.7M
Total debt: $32.7M
Stockholders' equity: $82.7M
Excess cash: $30.7M

Total debt = OtherBorrowings ($31.1M) + Underfunded pension obligation ($1.6M) .

Share count

Diluted shares (TSM-scaled): 3.2M

Method: point-in-time shares outstanding × 1.0014 (latest filer-disclosed diluted ÷ basic ratio). See the diluted-shares methodology for why this count denominates EPV/share and the reverse-DCF equity bridge.

Earning-Power-Value, reverse-DCF, and EV/EBITDA are hidden for this bank. EPV and the reverse-DCF both anchor on an EBIT margin, but a bank's "margin" is interest-spread × leverage with non-EBIT investment results mixed in; EV/EBITDA omits deposits and borrowings — the actual funding — so the multiple isn't interpretable. The trailing multiples above (P/E, P/S, P/B, P/FCF) still render, but the right lens here is price-to-tangible-book-value and ROE vs cost of equity — applied manually, outside this page.