UNITED BANCSHARES INC/OH (UBOH)
National Commercial Banks · Financial Services · $120M
Intrinsic Value (Consensus)
$86.07
Current Price
$38.00
Margin of Safety
+126.5%
126.5% Below Intrinsic Value
Value: $86
Price: $38
Valuation Model Estimates
Current Price: $38.00
DCF (Discounted Cash Flow)
$196.30
Graham Number
$45.18
Earnings Power Value
$33.59
Relative Value (P/E)
$69.20
Dividend Discount Model
$280.00
Consensus Value
$86.07
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (11.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.46
- EPS (Forward)
- $4.15
- Book Value
- $26.22
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 13.7%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 1.2%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance