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United Bancshares, Inc (UBOH) Fair Value & Analysis

Financial Services · US · Market cap $112M

Price$38.00
Fair Value$56.63
Upside+49.0%
Quality95/100
Evidence: High Range $42.47 – $70.79

Fair value as of: Jun 26, 2026

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Analysis

United Bancshares, Inc (UBOH) currently trades at $38.00, while our model-based Fair Value estimate is $56.63 — implying the stock looks roughly 49.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

United Bancshares, Inc. operates as the bank holding company for The Union Bank Company that provides various commercial and consumer banking services. The company accepts various deposits, including checking, savings, demand, and money market deposits; and offers individual retirement accounts, as well as certificates of deposit. It also provides residential 1-4 family loans, including 1-4 family nonowner occupied, home equity loans, and lines of credit; commercial and multifamily real estate loans, including commercial real estate nonowner and owner occupied, construction and development, agriculture land, and other commercial real estate loans; commercial loans, such as commercial working capital, term, and agriculture production loans; consumer loans, including consumer direct and overdraft credit lines; mortgage and personal loans; and loans for cars, trucks, and boats, as well as auto and recreational loans. In addition, the company provides digital banking, credit cards, weal…

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Frequently asked questions

Is United Bancshares, Inc (UBOH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $56.63 versus a price of $38.00 — about +49% (undervalued). Model-based estimate, not financial advice.
What is the fair value of UBOH?
Our 21-model fair value for United Bancshares, Inc is $56.63 (as of Jun 26, 2026), built from audited fundamentals. The current price is $38.00.
What is the quality score of UBOH?
United Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.