ROACH DAVID P
Transaction: 11/09/2022
BUY
Change
+97
Price
$19.25
Filing
11/14/2022
Type
BUY
United Bancshares, Inc.
UBOH • Banks - Regional
$39.25
— 0.00 (0.00%)
Current price
EarningsLatest report: Mar 31, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%
Quantitative profile — not an investment recommendation.
Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$109.31M
Growth
5.1%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 18.2%Positive revenue growth · 7.9%Positive free cash flow · 4.7Consistent free cash flow · 5/5Reasonable earnings multiple · 10.64
Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Apr 17, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC
Company Snapshot
Key valuation, quality, financial strength, momentum and analyst data.
Price$39.25
Change0.00%
Shares Out2.79M
Market Cap$109.31M
Enterprise Value$73.00M
52W Range27.00 - 45.00
Beta-0.13
P/E8.49
P/S1.63
P/B1.03
EV/Sales1.09
EV/EBITDA5.00
Price$39.25
Change0.00%
Shares Out2.79M
Market Cap$109.31M
Enterprise Value$73.00M
52W Range27.00 - 45.00
Beta-0.13
P/E8.49
P/S1.63
P/B1.03
EV/Sales1.09
EV/EBITDA5.00
Earnings Yield11.78%
FCF Yield0.00%
Dividend Yield2.37%
Gross Margin71.33%
Oper. Margin20.50%
Profit Margin18.19%
Debt/Eq0.15
Current Ratio0.00
Quick Ratio0.00
Revenue 5Y5.09%
Volume100.00
Avg Volume831.00
Investment DNA
How strong this company looks for long-term investors
76
out of 100
Business Quality
Margins, moat, returns
81/100
Financial Strength
Debt, cash, stability
39/100
Growth Potential
Revenue and expansion
52/100
Price Attractiveness
Cheap or expensive today
91/100
Why this score▼
Stable or improving margins · 18.2%Positive revenue growth · 7.9%Positive free cash flow · 4.7Consistent free cash flow · 5/5Reasonable earnings multiple · 10.64Manageable debt level · 0.15
Analyst view
No analyst data available now.
Insider Transactions
Recent executive and insider activity
BENROTH ROBERT L
Transaction: 11/09/2022
BUY
Change
+97
Price
$19.25
Filing
11/14/2022
Type
BUY
Unverferth Steven R
Transaction: 11/09/2022
BUY
Change
+195
Price
$19.25
Filing
11/14/2022
Type
BUY
| Insider | Type | Change | Price | Transaction | Filing |
|---|---|---|---|---|---|
| ROACH DAVID P | BUY | +97 | $19.25 | 11/09/2022 | 11/14/2022 |
| BENROTH ROBERT L | BUY | +97 | $19.25 | 11/09/2022 | 11/14/2022 |
| Unverferth Steven R | BUY | +195 | $19.25 | 11/09/2022 | 11/14/2022 |
| RIGEL H EDWARD | BUY | +1,000 | $19.88 | 09/07/2022 | 11/09/2022 |
| YOUNG BRIAN D | BUY | +25 | $19.99 | 08/29/2022 | 09/01/2022 |
| Manz Klint D | BUY | +3,507 | Not reported | 08/16/2022 | 08/18/2022 |
| Nussbaum Brent D | BUY | +3,453 | Not reported | 08/16/2022 | 08/18/2022 |
| Vulich Travis E | BUY | +3,597 | Not reported | 08/16/2022 | 08/18/2022 |
| Clemens Stacey L | BUY | +3,453 | Not reported | 08/16/2022 | 08/18/2022 |
| Deitering Teresa M | BUY | +3,507 | Not reported | 08/16/2022 | 08/18/2022 |
| YOUNG BRIAN D | BUY | +13,669 | Not reported | 08/16/2022 | 08/18/2022 |
| Schnipke Norman V | SELL | -837 | Not reported | 07/22/2022 | 08/10/2022 |
| Schnipke Norman V | SELL | -43 | $22.13 | 07/22/2022 | 08/10/2022 |
| Unverferth Steven R | BUY | +106 | $23.66 | 08/04/2022 | 08/05/2022 |
| ROACH DAVID P | BUY | +80 | $23.66 | 08/04/2022 | 08/05/2022 |
| BENROTH ROBERT L | BUY | +80 | $23.66 | 08/04/2022 | 08/05/2022 |
| YOUNG BRIAN D | BUY | +656 | $25.61 | 07/12/2022 | 07/14/2022 |
| Oatman Heather Marie | BUY | +42 | $25.61 | 07/12/2022 | 07/14/2022 |
| Manz Klint D | BUY | +98 | $25.61 | 07/12/2022 | 07/14/2022 |
| Deitering Teresa M | BUY | +139 | $25.61 | 07/12/2022 | 07/14/2022 |