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United Bancshares (UBOH) Competitors

United Bancshares logo
$40.00 0.00 (0.00%)
As of 09/25/2026

UBOH vs. USCB, ISTR, CHMG, PKBK, and FCBM

Should you buy United Bancshares stock or one of its competitors? United Bancshares's main competitors and comparable companies include USCB Financial (USCB), Investar (ISTR), Chemung Financial (CHMG), Parke Bancorp (PKBK), and First Carolina Financial Services (FCBM). 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?

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

USCB Financial has a consensus price target of $24.33, indicating a potential upside of 7.43%. Given USCB Financial's stronger consensus rating and higher possible upside, analysts plainly 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)
1 Hold rating(s)
3 Buy rating(s)
2 Strong Buy rating(s)
3.17

1.0% of United Bancshares shares are held by institutional investors. Comparatively, 61.3% of USCB Financial shares are held by institutional investors. 6.6% of United Bancshares shares are held by company insiders. Comparatively, 27.4% of USCB Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

United Bancshares has a beta of -0.11, meaning that its stock price is 111% less volatile than the broader market. Comparatively, USCB Financial has a beta of 0.47, meaning that its stock price is 53% less volatile than the broader market.

In the previous week, USCB Financial had 3 more articles in the media than United Bancshares. MarketBeat recorded 3 mentions for USCB Financial and 0 mentions for United Bancshares. USCB Financial's average media sentiment score of 0.95 beat United Bancshares' score of 0.00 indicating that USCB Financial is being referred to more favorably in the news media.

Company Overall Sentiment
United Bancshares Neutral
USCB Financial Positive

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
United Bancshares14.84% N/A N/A
USCB Financial 17.24%15.77%1.22%

United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.6%. USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.2%. United Bancshares pays out 26.1% of its earnings in the form of a dividend. USCB Financial pays out 32.9% 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. 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.

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$46.23M2.34$9.15M$3.9810.05
USCB Financial$159.60M2.62$26.10M$1.5214.90

Summary

USCB Financial beats United Bancshares on 17 of the 20 factors compared between the two stocks.

How does United Bancshares compare to Investar?

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

Investar has a net margin of 17.55% compared to United Bancshares' net margin of 14.84%. Investar's return on equity of 11.65% beat United Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Investar17.55% 11.65% 1.14%
United Bancshares 14.84%N/A N/A

Investar currently has a consensus target price of $31.50, indicating a potential upside of 7.40%. Given Investar's stronger consensus rating and higher possible upside, research analysts plainly believe Investar is more favorable than United Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Investar
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
United Bancshares
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
0.00

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Investar$119.80M3.37$22.90M$2.4312.07
United Bancshares$46.23M2.34$9.15M$3.9810.05

Investar pays an annual dividend of $0.48 per share and has a dividend yield of 1.6%. United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.6%. Investar pays out 19.8% 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. Investar has increased its dividend for 10 consecutive years.

50.2% of Investar shares are owned by institutional investors. Comparatively, 1.0% of United Bancshares shares are owned by institutional investors. 10.6% of Investar shares are owned by insiders. Comparatively, 6.6% of United Bancshares shares are owned 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.

Investar has a beta of 0.45, meaning that its share price is 55% less volatile than the broader market. Comparatively, United Bancshares has a beta of -0.11, meaning that its share price is 111% less volatile than the broader market.

In the previous week, Investar had 1 more articles in the media than United Bancshares. MarketBeat recorded 1 mentions for Investar and 0 mentions for United Bancshares. Investar's average media sentiment score of 0.60 beat United Bancshares' score of 0.00 indicating that Investar is being referred to more favorably in the media.

Company Overall Sentiment
Investar Positive
United Bancshares Neutral

Summary

Investar beats United Bancshares on 16 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 better business? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, earnings, risk, media sentiment, dividends and profitability.

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

Chemung Financial has a consensus target price of $87.67, suggesting a potential upside of 7.26%. Given Chemung Financial's stronger consensus rating and higher probable upside, analysts plainly 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)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50

In the previous week, Chemung Financial had 4 more articles in the media than United Bancshares. MarketBeat recorded 4 mentions for Chemung Financial and 0 mentions for United Bancshares. United Bancshares' average media sentiment score of 0.00 beat Chemung Financial's score of -0.15 indicating that United Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
United Bancshares Neutral
Chemung Financial Neutral

United Bancshares has a beta of -0.11, suggesting that its share price is 111% less volatile than the broader market. Comparatively, Chemung Financial has a beta of 0.57, suggesting that its share price is 43% less volatile than the broader market.

United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.6%. Chemung Financial pays an annual dividend of $1.44 per share and has a dividend yield of 1.8%. United Bancshares pays out 26.1% of its earnings in the form of a dividend. Chemung Financial pays out 20.7% 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 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%

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$46.23M2.34$9.15M$3.9810.05
Chemung Financial$140.78M2.80$15.10M$6.9611.74

Summary

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

How does United Bancshares compare to Parke Bancorp?

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

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

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
Parke Bancorp$146.08M2.71$37.78M$3.848.76
United Bancshares$46.23M2.34$9.15M$3.9810.05

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
Parke Bancorp29.99% 13.88% 2.05%
United Bancshares 14.84%N/A N/A

Parke Bancorp has a beta of 0.47, meaning that its stock price is 53% less volatile than the broader market. Comparatively, United Bancshares has a beta of -0.11, meaning that its stock price is 111% less volatile than the broader market.

Parke Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.4%. United Bancshares pays an annual dividend of $1.04 per share and has a dividend yield of 2.6%. Parke Bancorp pays out 20.8% 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.

In the previous week, Parke Bancorp had 9 more articles in the media than United Bancshares. MarketBeat recorded 9 mentions for Parke Bancorp and 0 mentions for United Bancshares. Parke Bancorp's average media sentiment score of 0.29 beat United Bancshares' score of 0.00 indicating that Parke Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Parke Bancorp Neutral
United Bancshares Neutral

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

Summary

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

How does United Bancshares compare to First Carolina Financial Services?

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

United Bancshares has higher earnings, but lower revenue than First Carolina Financial Services.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Bancshares$46.23M2.34$9.15M$3.9810.05
First Carolina Financial Services$128.83M3.04N/AN/AN/A

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

In the previous week, United Bancshares' average media sentiment score of 0.00 equaled First Carolina Financial Services'average media sentiment score.

Company Overall Sentiment
United Bancshares Neutral
First Carolina Financial Services Neutral

First Carolina Financial Services has a consensus target price of $14.50, suggesting a potential upside of 14.99%. Given First Carolina Financial Services' stronger consensus rating and higher possible upside, analysts clearly believe First Carolina Financial Services 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
First Carolina Financial Services
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

United Bancshares has a net margin of 14.84% compared to First Carolina Financial Services' net margin of 0.00%.

Company Net Margins Return on Equity Return on Assets
United Bancshares14.84% N/A N/A
First Carolina Financial Services N/A N/A N/A

Summary

First Carolina Financial Services beats United Bancshares on 5 of the 8 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$108.20M$23.27B$13.58B$13.03B
Dividend Yield2.60%3.10%5.99%14.03%
P/E Ratio13.0325.5224.5825.61
Price / Sales2.349.31505.79108.08
Price / Cash6.8315.2929.8735.00
Price / BookN/A1.342.706.44
Net Income$9.15M$2.58B$1.32B$360.47M
7 Day Performance0.78%-1.10%0.30%-1.03%
1 Month Performance1.63%-0.91%-2.16%-3.70%
1 Year Performance8.99%21.39%7.23%3.62%

United Bancshares Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBOH
United Bancshares
N/A$40.00
flat
N/AN/A$108.20M$46.23M13.03210
USCB
USCB Financial
4.7333 of 5 stars
$22.72
+0.2%
$24.33
+7.1%
+29.3%$419.55M$159.60M14.94205
ISTR
Investar
3.9073 of 5 stars
$29.61
+0.7%
$31.50
+6.4%
+25.6%$408.21M$119.80M12.19421
CHMG
Chemung Financial
2.8637 of 5 stars
$82.78
+0.8%
$84.00
+1.5%
+53.6%$398.25M$140.78M11.87348
PKBK
Parke Bancorp
2.896 of 5 stars
$33.82
+0.1%
N/A+52.9%$397.72M$146.08M8.81111

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This page (NASDAQ:UBOH) was last updated on 9/28/2026 by MarketBeat.com Staff.
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