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United Bancshares (UBOH) Competitors

United Bancshares logo
$38.90 +0.15 (+0.39%)
As of 08/14/2026 02:22 PM Eastern

UBOH vs. USCB, PKBK, FRST, CHMG, and CZFS

Should you buy United Bancshares stock or one of its competitors? United Bancshares's main competitors and comparable companies include USCB Financial (USCB), Parke Bancorp (PKBK), Primis Financial (FRST), Chemung Financial (CHMG), and Citizens Financial Services (CZFS). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does United Bancshares compare to USCB Financial?

USCB Financial (NASDAQ:USCB) and United Bancshares (NASDAQ:UBOH) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, dividends, risk, profitability, media sentiment, analyst recommendations and institutional ownership.

61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 1.0% of United Bancshares shares are owned by institutional investors. 27.4% of USCB Financial shares are owned by company insiders. Comparatively, 6.6% of United Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

In the previous week, USCB Financial and USCB Financial both had 1 articles in the media. USCB Financial's average media sentiment score of 1.89 beat United Bancshares' score of 0.40 indicating that USCB Financial is being referred to more favorably in the media.

Company Overall Sentiment
USCB Financial Very Positive
United Bancshares Neutral

USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.2%. United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.7%. USCB Financial pays out 32.9% of its earnings in the form of a dividend. United Bancshares pays out 26.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. USCB Financial has raised its dividend for 2 consecutive years. United Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

USCB Financial has higher revenue and earnings than United Bancshares. United Bancshares is trading at a lower price-to-earnings ratio than USCB Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
USCB Financial$97.13M4.27$26.10M$1.5214.78
United Bancshares$46.23M2.28$9.15M$3.989.77

USCB Financial has a beta of 0.5, indicating that its share price is 50% less volatile than the broader market. Comparatively, United Bancshares has a beta of -0.13, indicating that its share price is 113% less volatile than the broader market.

USCB Financial presently has a consensus price target of $23.75, indicating a potential upside of 5.70%. Given USCB Financial's stronger consensus rating and higher probable upside, analysts clearly believe USCB Financial is more favorable than United Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
USCB Financial
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
2 Strong Buy rating(s)
3.17
United Bancshares
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00

USCB Financial has a net margin of 17.24% compared to United Bancshares' net margin of 14.84%. USCB Financial's return on equity of 15.77% beat United Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
USCB Financial17.24% 15.77% 1.22%
United Bancshares 14.84%N/A N/A

Summary

USCB Financial beats United Bancshares on 16 of the 19 factors compared between the two stocks.

How does United Bancshares compare to Parke Bancorp?

United Bancshares (NASDAQ:UBOH) and Parke Bancorp (NASDAQ:PKBK) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, profitability, media sentiment and earnings.

United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.7%. Parke Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.3%. United Bancshares pays out 26.1% of its earnings in the form of a dividend. Parke Bancorp pays out 20.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancshares
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00
Parke Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, Parke Bancorp had 1 more articles in the media than United Bancshares. MarketBeat recorded 2 mentions for Parke Bancorp and 1 mentions for United Bancshares. Parke Bancorp's average media sentiment score of 1.83 beat United Bancshares' score of 0.40 indicating that Parke Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Bancshares
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Parke Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

United Bancshares has a beta of -0.13, meaning that its share price is 113% less volatile than the broader market. Comparatively, Parke Bancorp has a beta of 0.47, meaning that its share price is 53% less volatile than the broader market.

1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 49.7% of Parke Bancorp shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by company insiders. Comparatively, 13.0% of Parke Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Parke Bancorp has a net margin of 29.99% compared to United Bancshares' net margin of 14.84%. Parke Bancorp's return on equity of 13.88% beat United Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancshares14.84% N/A N/A
Parke Bancorp 29.99%13.88%2.05%

Parke Bancorp has higher revenue and earnings than United Bancshares. Parke Bancorp is trading at a lower price-to-earnings ratio than United Bancshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancshares$46.23M2.28$9.15M$3.989.77
Parke Bancorp$146.08M2.83$37.78M$3.849.15

Summary

Parke Bancorp beats United Bancshares on 14 of the 17 factors compared between the two stocks.

How does United Bancshares compare to Primis Financial?

United Bancshares (NASDAQ:UBOH) and Primis Financial (NASDAQ:FRST) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, risk, media sentiment, dividends, institutional ownership, analyst recommendations, profitability and earnings.

In the previous week, Primis Financial had 2 more articles in the media than United Bancshares. MarketBeat recorded 3 mentions for Primis Financial and 1 mentions for United Bancshares. Primis Financial's average media sentiment score of 1.46 beat United Bancshares' score of 0.40 indicating that Primis Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Bancshares
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Primis Financial
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.7%. Primis Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. United Bancshares pays out 26.1% of its earnings in the form of a dividend. Primis Financial pays out 18.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Primis Financial has higher revenue and earnings than United Bancshares. Primis Financial is trading at a lower price-to-earnings ratio than United Bancshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancshares$46.23M2.28$9.15M$3.989.77
Primis Financial$277M1.49$61.44M$2.167.71

Primis Financial has a net margin of 19.19% compared to United Bancshares' net margin of 14.84%. Primis Financial's return on equity of 5.49% beat United Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancshares14.84% N/A N/A
Primis Financial 19.19%5.49%0.55%

United Bancshares has a beta of -0.13, suggesting that its share price is 113% less volatile than the broader market. Comparatively, Primis Financial has a beta of 0.73, suggesting that its share price is 27% less volatile than the broader market.

1.0% of United Bancshares shares are held by institutional investors. Comparatively, 75.0% of Primis Financial shares are held by institutional investors. 6.6% of United Bancshares shares are held by insiders. Comparatively, 10.9% of Primis Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Primis Financial has a consensus target price of $18.00, suggesting a potential upside of 8.04%. Given Primis Financial's stronger consensus rating and higher probable upside, analysts plainly believe Primis Financial is more favorable than United Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancshares
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00
Primis Financial
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
3.00

Summary

Primis Financial beats United Bancshares on 15 of the 19 factors compared between the two stocks.

How does United Bancshares compare to Chemung Financial?

United Bancshares (NASDAQ:UBOH) and Chemung Financial (NASDAQ:CHMG) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, risk, valuation, dividends, institutional ownership, profitability, analyst recommendations and media sentiment.

Chemung Financial has a net margin of 20.68% compared to United Bancshares' net margin of 14.84%. Chemung Financial's return on equity of 12.98% beat United Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancshares14.84% N/A N/A
Chemung Financial 20.68%12.98%1.22%

United Bancshares has a beta of -0.13, suggesting that its share price is 113% less volatile than the broader market. Comparatively, Chemung Financial has a beta of 0.58, suggesting that its share price is 42% less volatile than the broader market.

United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.7%. Chemung Financial pays an annual dividend of $1.36 per share and has a dividend yield of 1.6%. United Bancshares pays out 26.1% of its earnings in the form of a dividend. Chemung Financial pays out 19.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Chemung Financial has increased its dividend for 1 consecutive years.

Chemung Financial has higher revenue and earnings than United Bancshares. United Bancshares is trading at a lower price-to-earnings ratio than Chemung Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancshares$46.23M2.28$9.15M$3.989.77
Chemung Financial$140.78M2.87$15.10M$6.9612.06

In the previous week, Chemung Financial had 2 more articles in the media than United Bancshares. MarketBeat recorded 3 mentions for Chemung Financial and 1 mentions for United Bancshares. Chemung Financial's average media sentiment score of 0.77 beat United Bancshares' score of 0.40 indicating that Chemung Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Bancshares
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Chemung Financial
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

1.0% of United Bancshares shares are held by institutional investors. Comparatively, 47.5% of Chemung Financial shares are held by institutional investors. 6.6% of United Bancshares shares are held by insiders. Comparatively, 12.7% of Chemung Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Chemung Financial has a consensus price target of $81.00, suggesting a potential downside of 3.48%. Given Chemung Financial's stronger consensus rating and higher probable upside, analysts clearly believe Chemung Financial is more favorable than United Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancshares
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00
Chemung Financial
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00

Summary

Chemung Financial beats United Bancshares on 18 of the 20 factors compared between the two stocks.

How does United Bancshares compare to Citizens Financial Services?

United Bancshares (NASDAQ:UBOH) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, risk, dividends, profitability, earnings, institutional ownership, media sentiment and valuation.

United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.7%. Citizens Financial Services pays an annual dividend of $2.04 per share and has a dividend yield of 2.5%. United Bancshares pays out 26.1% of its earnings in the form of a dividend. Citizens Financial Services pays out 23.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

In the previous week, United Bancshares and United Bancshares both had 1 articles in the media. Citizens Financial Services' average media sentiment score of 1.10 beat United Bancshares' score of 0.40 indicating that Citizens Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
United Bancshares Neutral
Citizens Financial Services Positive

1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by insiders. Comparatively, 5.5% of Citizens Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Citizens Financial Services has higher revenue and earnings than United Bancshares. Citizens Financial Services is trading at a lower price-to-earnings ratio than United Bancshares, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancshares$46.23M2.28$9.15M$3.989.77
Citizens Financial Services$173.51M2.29$36.57M$8.559.65

United Bancshares has a beta of -0.13, meaning that its stock price is 113% less volatile than the broader market. Comparatively, Citizens Financial Services has a beta of 0.35, meaning that its stock price is 65% less volatile than the broader market.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Bancshares
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00
Citizens Financial Services
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
3.00

Citizens Financial Services has a net margin of 23.31% compared to United Bancshares' net margin of 14.84%. Citizens Financial Services' return on equity of 12.06% beat United Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancshares14.84% N/A N/A
Citizens Financial Services 23.31%12.06%1.33%

Summary

Citizens Financial Services beats United Bancshares on 14 of the 17 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding UBOH and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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UBOH vs. The Competition

MetricUnited BancsharesBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$105.60M$22.84B$13.87B$13.07B
Dividend Yield2.58%3.14%5.87%10.64%
P/E Ratio12.6728.2929.4025.40
Price / Sales2.289.69507.22125.76
Price / Cash6.8316.3337.2653.27
Price / BookN/A1.382.816.21
Net Income$9.15M$2.57B$1.31B$347.71M
7 Day Performance0.88%1.05%0.77%1.08%
1 Month Performance4.77%2.31%1.43%1.87%
1 Year Performance32.61%27.82%12.06%20.79%

United Bancshares Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBOH
United Bancshares
N/A$38.90
+0.4%
N/A+32.6%$105.60M$46.23M12.67210
USCB
USCB Financial
4.3907 of 5 stars
$22.63
0.0%
$23.75
+5.0%
+33.7%$417.70M$159.60M14.88196
PKBK
Parke Bancorp
3.1102 of 5 stars
$35.13
0.0%
N/A+64.2%$413.02M$146.08M9.15100
FRST
Primis Financial
4.8666 of 5 stars
$16.58
-0.6%
$18.00
+8.6%
+50.2%$411.06M$277M7.67420
CHMG
Chemung Financial
3.6351 of 5 stars
$83.98
+0.5%
$81.00
-3.5%
+64.8%$404.84M$119M12.07340

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This page (NASDAQ:UBOH) was last updated on 8/16/2026 by MarketBeat.com Staff.
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