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United Bancshares (UBOH) Competitors

United Bancshares logo
$28.00 -0.02 (-0.07%)
As of 07/7/2025 11:26 AM Eastern

UBOH vs. USCB, BRBS, NECB, BTM, OPRT, PBFS, SFST, BCML, RBB, and FSBW

Should you be buying United Bancshares stock or one of its competitors? The main competitors of United Bancshares include USCB Financial (USCB), Blue Ridge Bankshares (BRBS), Northeast Community Bancorp (NECB), Bitcoin Depot (BTM), Oportun Financial (OPRT), Pioneer Bancorp (PBFS), Southern First Bancshares (SFST), Bay Commercial Bank (BCML), RBB Bancorp (RBB), and FS Bancorp (FSBW). These companies are all part of the "banking" industry.

United Bancshares vs. Its Competitors

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

In the previous week, USCB Financial had 3 more articles in the media than United Bancshares. MarketBeat recorded 4 mentions for USCB Financial and 1 mentions for United Bancshares. USCB Financial's average media sentiment score of 0.50 beat United Bancshares' score of 0.00 indicating that USCB Financial is being referred to more favorably in the news media.

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

United Bancshares has a beta of 0.06, meaning that its share price is 94% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500.

USCB Financial has a net margin of 18.69% compared to United Bancshares' net margin of 14.84%. USCB Financial's return on equity of 12.96% beat United Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Bancshares14.84% N/A N/A
USCB Financial 18.69%12.96%1.08%

USCB Financial has a consensus target price of $19.00, indicating a potential upside of 12.49%. 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
United Bancshares
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00
USCB Financial
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50

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
United Bancshares$46.23M1.81$9.15M$3.408.24
USCB Financial$87.89M3.85$24.67M$1.3812.24

1.0% of United Bancshares shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 6.6% of United Bancshares shares are owned by insiders. Comparatively, 49.5% of USCB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

United Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.3%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. United Bancshares pays out 27.1% of its earnings in the form of a dividend. USCB Financial pays out 29.0% 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 increased its dividend for 2 consecutive years. United Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

USCB Financial beats United Bancshares on 16 of the 19 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 BancsharesNational commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$83.50M$584.63M$12.01B$9.02B
Dividend Yield3.29%3.43%5.53%4.08%
P/E Ratio9.1215.7319.9520.04
Price / Sales1.813.0226.0093.27
Price / Cash6.8310.7418.7228.59
Price / BookN/A1.242.255.55
Net Income$9.15M$28.87M$990.08M$248.49M
7 Day PerformanceN/A0.58%0.55%4.87%
1 Month Performance1.82%2.70%3.39%6.63%
1 Year Performance49.73%21.24%540.31%20.38%

United Bancshares Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBOH
United Bancshares
0.6622 of 5 stars
$28.00
-0.1%
N/AN/A$83.50M$46.23M9.12210News Coverage
High Trading Volume
USCB
USCB Financial
4.0634 of 5 stars
$16.54
+0.2%
$19.00
+14.9%
+40.9%$330.80M$143.97M11.99196News Coverage
BRBS
Blue Ridge Bankshares
1.272 of 5 stars
$3.59
-1.4%
N/A+33.3%$327.33M$86.16M-5.61560Positive News
High Trading Volume
NECB
Northeast Community Bancorp
2.3275 of 5 stars
$23.25
-0.4%
N/A+36.3%$327.31M$162.80M6.64130
BTM
Bitcoin Depot
0.7886 of 5 stars
$5.07
flat
$4.83
-4.7%
+254.8%$326.06M$573.70M-26.68107
OPRT
Oportun Financial
2.9474 of 5 stars
$7.16
-2.7%
$8.33
+16.4%
+203.4%$322.89M$1.00B-6.392,429News Coverage
High Trading Volume
PBFS
Pioneer Bancorp
N/A$12.03
-2.4%
N/A+18.8%$318.77M$104.65M15.62260
SFST
Southern First Bancshares
1.3676 of 5 stars
$38.03
flat
$43.00
+13.1%
+40.4%$310.66M$213.35M16.83290
BCML
Bay Commercial Bank
3.5009 of 5 stars
$27.71
-0.3%
$31.00
+11.9%
+48.2%$305.99M$138.09M13.20370
RBB
RBB Bancorp
3.5591 of 5 stars
$17.21
-0.2%
$21.25
+23.5%
+1.3%$305.83M$232M14.84360
FSBW
FS Bancorp
2.4642 of 5 stars
$39.38
-0.2%
$44.00
+11.7%
+26.5%$303.62M$206.39M9.05540News Coverage

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This page (NASDAQ:UBOH) was last updated on 7/8/2025 by MarketBeat.com Staff
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