UNITED BANCSHARES INC/OH (UBOH)
National Commercial Banks · Financial Services · $218M
Intrinsic Value (Consensus)
$86.07
Current Price
$69.20
Margin of Safety
+24.4%
24.4% Below Intrinsic Value
Value: $86
Price: $69
Valuation Model Estimates
Current Price: $69.20
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%.
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
Data last updated: 2026-06-12
Source: Yahoo Finance