What is UNITED BNCSHS CLMBUS GRVE's earnings per share (EPS)?

UNITED BNCSHS CLMBUS GRVE (UBOH) reported diluted earnings per share of $3.46 for fiscal year 2022. This represents a -15.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

UNITED BNCSHS CLMBUS GRVE (UBOH) Financials

UBOH

FY2022 annual

Revenue $45.6M -14.0% YoY

Net Income $11.3M -16.7% YoY

EPS (Diluted) $3.46 -15.0% YoY

Free Cash Flow $13.2M -41.3% YoY

Market Cap $108.7M as of Sep 30, 2026

Price / Sales 2.4x on $45.6M revenue, FY2022

Price / Earnings 9.6x on $11.3M net income, FY2022

Price / Book 1.3x on $82.7M equity, Q4 FY2022

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 30, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2022, ended Dec 31, 2022 Reported Mar 13, 2023 Currency USD FYE December

Newest figures come from the 10-K for FY2022, filed Mar 13, 2023. Each column of the statement tables below links to the filing it was taken from.

UNITED BNCSHS CLMBUS GRVE (UBOH) reported $45.6M in revenue for fiscal year 2022, down 14.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UBOH FY2022 2026-10-04

United Bancshares converts earnings into cash, but FY2022’s weaker results coincided with a much more leveraged balance sheet.

FY2022 operating cash flow was $16.8M against net income of $11.3M, so cash conversion remained positive. Yet operating cash flow fell from $26.4M in FY2021 as earnings also declined, showing that cash generation weakened alongside reported profitability rather than hiding the downturn.

Assets edged up to $1.09B in FY2022 while liabilities reached $1.00B, so balance-sheet growth was funded more by obligations than equity. The 13.7% ROE sits alongside a 12.1x debt-to-equity ratio, making the return ratio more dependent on a thinner capital base than on stronger earnings.

Reported free cash flow fell to $13.2M in FY2022 from $22.5M in FY2021. With dividends at $2.7M and buybacks at $2.9M, capital returned to shareholders continued even as the cash surplus after reported investment narrowed.

Financial Health Signals

Financial health score not available

UNITED BNCSHS CLMBUS GRVE does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/6

UNITED BNCSHS CLMBUS GRVE passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.48x

For every $1 of reported earnings, UNITED BNCSHS CLMBUS GRVE generates $1.48 in operating cash flow ($16.8M OCF vs $11.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$11.3M

YoY-4.7%

QoQ-7.1%

5Y CAGR+4.3%

10Y CAGR+6.9%

UNITED BNCSHS CLMBUS GRVE generated $11.3M in revenue in Q4 2022. This represents a decrease of 4.7% from the same quarter a year earlier. Against the prior quarter it is down 7.1%.

Net Income

$3.5M

YoY+30.1%

QoQ+14.5%

5Y CAGR+32.5%

10Y CAGR+11.6%

UNITED BNCSHS CLMBUS GRVE reported $3.5M in net income in Q4 2022. This represents an increase of 30.1% from the same quarter a year earlier. Against the prior quarter it is up 14.5%.

EPS (Diluted)

$1.10

YoY+35.8%

QoQ+17.0%

5Y CAGR+32.4%

10Y CAGR+12.4%

UNITED BNCSHS CLMBUS GRVE earned $1.10 per diluted share (EPS) in Q4 2022. This represents an increase of 35.8% from the same quarter a year earlier. Against the prior quarter it is up 17.0%.

EBITDA

Not reported for Q4 2022.

Cash & Balance Sheet

Free Cash Flow

$7.1M

YoY-12.3%

QoQ+146.8%

5Y CAGR+7.0%

10Y CAGR+7.8%

UNITED BNCSHS CLMBUS GRVE generated $7.1M in free cash flow in Q4 2022, representing cash available after capex. This represents a decrease of 12.3% from the same quarter a year earlier. Against the prior quarter it is up 146.8%.

Cash & Debt

$30.7M

YoY-59.2%

UNITED BNCSHS CLMBUS GRVE held $30.7M in cash as of Q4 2022; long-term debt is not reported for that period.

Dividends Per Share

$0.21

YoY-4.5%

QoQ0.0%

5Y CAGR+11.8%

UNITED BNCSHS CLMBUS GRVE paid $0.21 per share in dividends in Q4 2022. This represents a decrease of 4.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-4.3%

QoQ-3.2%

5Y CAGR-0.8%

10Y CAGR-0.9%

UNITED BNCSHS CLMBUS GRVE had 3M shares outstanding in Q4 2022. This represents a decrease of 4.3% from the same quarter a year earlier. Against the prior quarter it is down 3.2%.

Margins & Returns

Net Margin

31.3%

YoY+8.4pp

QoQ+5.9pp

5Y change+21.9pp

10Y change+11.1pp

UNITED BNCSHS CLMBUS GRVE's net profit margin was 31.3% in Q4 2022, showing the share of revenue converted to profit. This is up 8.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.9 percentage points.

Return on Equity

4.3%

YoY+2.0pp

QoQ+0.1pp

5Y change+3.1pp

10Y change+2.4pp

UNITED BNCSHS CLMBUS GRVE's ROE was 4.3% in Q4 2022, measuring profit generated per dollar of shareholder equity. This is up 2.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q4 2022.

Operating Margin

Not reported for Q4 2022.

Capital Allocation

Share Buybacks

$1.8M

YoY+468.6%

QoQ+103.1%

UNITED BNCSHS CLMBUS GRVE spent $1.8M on share buybacks in Q4 2022, returning capital to shareholders by reducing shares outstanding. This represents an increase of 468.6% from the same quarter a year earlier. Against the prior quarter it is up 103.1%.

Capital Expenditures

$507K

YoY-86.1%

QoQ+82.4%

5Y CAGR+16.2%

10Y CAGR+30.6%

UNITED BNCSHS CLMBUS GRVE invested $507K in capex in Q4 2022, funding long-term assets and infrastructure. This represents a decrease of 86.1% from the same quarter a year earlier. Against the prior quarter it is up 82.4%.

R&D Spending

Not reported for Q4 2022.

UBOH Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UBOH quarterly income statement

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Revenue	$45.6M-14.0%	$53.1M-11.6%	$60.0M+36.6%	$43.9M+16.8%	$37.6M+30.9%	$28.8M+18.7%	$24.2M-4.6%	$25.4M+19.0%	$21.3M+1.3%	$21.1M-5.4%	$22.3M-3.0%	$23.0M-8.2%	$25.0M-0.1%	$25.0M
SG&A Expenses	$18.5M-10.9%	$20.7M-6.4%	$22.1M+18.5%	$18.7M+17.4%	$15.9M+32.1%	$12.0M+25.1%	$9.6M+3.6%	$9.3M+10.4%	$8.4M+2.2%	$8.2M-3.7%	$8.6M+7.8%	$7.9M+2.8%	$7.7M+3.9%	$7.4M
Interest Expense	$3.3M+6.2%	$3.1M-56.1%	$7.0M-21.7%	$8.9M+44.9%	$6.2M+97.5%	$3.1M+39.8%	$2.2M+7.4%	$2.1M-22.2%	$2.7M-17.9%	$3.2M-30.5%	$4.7M-36.2%	$7.3M-18.2%	$9.0M-27.3%	$12.3M
Income Tax	$1.2M-51.3%	$2.5M-14.6%	$2.9M+80.9%	$1.6M+5.6%	$1.5M-46.9%	$2.9M+65.1%	$1.7M+24.1%	$1.4M+29.7%	$1.1M-12.7%	$1.2M+15.8%	$1.1M+950.0%	$102K-28.7%	$143K-8.3%	$156K
Net Income	$11.3M-16.7%	$13.6M-1.3%	$13.8M+29.0%	$10.7M+29.7%	$8.2M+113.7%	$3.8M-30.3%	$5.5M-6.7%	$5.9M+37.3%	$4.3M-7.1%	$4.6M+3.5%	$4.5M+52.4%	$2.9M+4.8%	$2.8M-2.6%	$2.9M
EPS (Basic)	$3.47-16.2%	$4.14-1.7%	$4.21+29.1%	$3.26+29.9%	$2.51+112.7%	$1.18-29.8%	$1.68	N/A	N/A	N/A	N/A	N/A	N/A	N/A
EPS (Diluted)	$3.46-15.0%	$4.07-2.2%	$4.16+28.0%	$3.25+29.5%	$2.51+112.7%	$1.18-29.8%	$1.68	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Diluted Shares (Avg)	3M-2.2%	3M+1.0%	3M+0.9%	3M+0.2%	3M-0.1%	3M-0.5%	3M-1.5%	3M-2.0%	3M-1.2%	3M0.0%	3M0.0%	3M0.0%	3M	N/A

Metric	Q4'2210-K	Q3'2210-K	Q2'2210-K	Q1'2210-K	Q4'2110-K	Q3'2110-K	Q2'2110-K	Q1'2110-K
Revenue	$11.3M-4.7%	$12.2M-16.9%	$10.9M-10.7%	$11.3M-21.6%	$11.9M-14.3%	$14.6M-25.2%	$12.2M-26.9%	$14.4M+44.6%
SG&A Expenses	-$7.4M-3.1%	$8.9M-8.4%	$8.6M-5.6%	$8.4M-7.8%	-$7.2M-43.9%	$9.7M-4.0%	$9.1M+3.0%	$9.1M+10.9%
Interest Expense	$1.3M+96.3%	$797K+7.0%	$571K-29.8%	$563K-32.6%	$676K-59.9%	$745K-56.2%	$813K-45.5%	$835K-60.4%
Income Tax	$475K+61.6%	$201K-76.2%	$174K-64.0%	$364K-58.3%	$294K+8.9%	$843K-30.2%	$484K-63.7%	$873K+693.6%
Net Income	$3.5M+30.1%	$3.1M-24.6%	$2.2M-18.3%	$2.5M-38.8%	$2.7M+55.3%	$4.1M-22.1%	$2.7M-53.2%	$4.1M+278.4%
EPS (Basic)	$1.10+32.5%	$0.94-24.2%	$0.66-18.5%	$0.77-38.9%	$0.83+53.7%	$1.24-23.0%	$0.81-53.2%	$1.26+281.8%
EPS (Diluted)	$1.10+35.8%	$0.94-23.0%	$0.65-18.8%	$0.76-38.7%	$0.81+52.8%	$1.22-23.8%	$0.80-53.2%	$1.24+287.5%
Diluted Shares (Avg)	N/A	3M-1.1%	3M-0.2%	3M+0.7%	N/A	3M+1.2%	3M+2.0%	3M+1.3%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UBOH Balance Sheet

UBOH quarterly balance sheet

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Total Assets	$1.1B+1.0%	$1.1B+10.0%	$978.5M+11.2%	$880.0M+6.0%	$830.3M+6.4%	$780.5M+23.3%	$633.1M+4.0%	$608.7M-6.4%	$650.2M+16.9%	$556.2M-2.8%	$572.4M-2.5%	$587.0M-4.2%	$612.6M	N/A
Cash & Equivalents	$30.7M-59.2%	$75.2M+31.9%	$57.0M+115.9%	$26.4M+60.3%	$16.5M-39.6%	$27.3M+92.3%	$14.2M-38.1%	$22.9M-29.2%	$32.4M+44.4%	$22.4M-55.1%	$49.9M-12.9%	$57.3M+17.9%	$48.6M+77.5%	$27.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%	$28.6M+13.5%	$25.2M+150.2%	$10.1M0.0%	$10.1M0.0%	$10.1M+17.7%	$8.6M0.0%	$8.6M0.0%	$8.6M0.0%	$8.6M	N/A
Total Liabilities	$1.0B+4.9%	$957.5M+10.4%	$866.9M+10.4%	$785.2M+4.8%	$749.4M+6.3%	$704.7M+25.7%	$560.6M+4.4%	$537.1M-7.8%	$582.4M+18.1%	$493.2M-3.0%	$508.3M-3.6%	$527.3M-5.4%	$557.6M	N/A
Total Equity	$82.7M-30.6%	$119.1M+6.7%	$111.6M+17.7%	$94.8M+17.1%	$80.9M+6.9%	$75.7M+4.3%	$72.6M+1.4%	$71.6M+5.6%	$67.8M+7.6%	$63.0M-1.8%	$64.2M+7.4%	$59.7M+8.6%	$55.0M+1.3%	$54.3M
Retained Earnings	$112.5M+8.2%	$103.9M+12.1%	$92.7M+15.0%	$80.6M+12.5%	$71.7M+10.3%	$65.0M+3.6%	$62.7M+6.9%	$58.6M+8.7%	$53.9M+6.1%	$50.8M+8.4%	$46.9M+10.1%	$42.5M+7.4%	$39.6M	N/A

Metric	Q4'2210-K	Q3'2210-K	Q2'2210-K	Q1'2210-K	Q4'2110-K	Q3'2110-K	Q2'2110-K	Q1'2110-K
Total Assets	$1.1B+1.0%	$1.1B-1.0%	$1.1B+5.8%	$1.1B+4.1%	$1.1B+10.0%	$1.1B+7.7%	$1.0B+3.5%	$1.0B+13.8%
Cash & Equivalents	$30.7M-59.2%	N/A	N/A	N/A	$75.2M+31.9%	$121.2M+307.0%	$119.6M+73.6%	$97.9M+118.6%
Short-Term Investments	$0	N/A	N/A	N/A	$0	$0	$0	$0
Long-Term Investments	$0	N/A	N/A	N/A	$0	$0	$0	$0
Goodwill	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%	$28.6M0.0%
Total Liabilities	$1.0B+4.9%	$985.5M+3.3%	$1.0B+9.6%	$970.0M+6.0%	$957.5M+10.4%	$954.1M+7.9%	$933.6M+2.7%	$914.9M+13.8%
Total Equity	$82.7M-30.6%	$73.8M-36.4%	$87.1M-24.7%	$99.4M-11.3%	$119.1M+6.7%	$116.1M+6.2%	$115.7M+10.4%	$112.1M+13.8%
Retained Earnings	$112.5M+8.2%	$109.6M+7.6%	$107.2M+9.0%	$105.7M+9.8%	$103.9M+12.1%	$101.8M+11.3%	$98.4M+13.5%	$96.3M+18.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

UBOH Cash Flow Statement

UBOH quarterly cash flow statement

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Operating Cash Flow	$16.8M-36.5%	$26.4M+53.6%	$17.2M+375.2%	$3.6M-29.6%	$5.1M-12.1%	$5.9M-11.4%	$6.6M-4.0%	$6.9M+42.5%	$4.8M-5.2%	$5.1M-30.0%	$7.3M-24.1%	$9.6M-7.3%	$10.3M+86.0%	$5.6M
Depreciation & Amortization	$1.6M+4.5%	$1.5M+2.9%	$1.5M+20.9%	$1.2M+17.9%	$1.1M+12.2%	$938K+3.2%	$909K+37.9%	$659K-6.0%	$701K+8.0%	$649K-16.0%	$772K+10.7%	$698K+7.9%	$647K-34.3%	$985K
Stock-Based Compensation	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$85K-57.7%	-$54K-35.0%	-$40K+46.6%	-$75K-147.8%	-$30K-47.0%	-$21K
Capital Expenditures	$3.6M-9.6%	$4.0M+150.5%	$1.6M+109.8%	$753K+43.4%	$525K-87.4%	$4.2M+74.3%	$2.4M+668.9%	$312K-0.6%	$314K-20.5%	$395K+246.3%	$114K-32.2%	$168K-46.3%	$314K-15.5%	$371K
Free Cash Flow	$13.2M-41.3%	$22.5M+43.8%	$15.6M+444.8%	$2.9M-37.9%	$4.6M+175.6%	$1.7M-60.2%	$4.2M-35.9%	$6.6M+45.5%	$4.5M-3.9%	$4.7M-34.4%	$7.2M-23.9%	$9.4M-6.1%	$10.0M+93.3%	$5.2M
Investing Cash Flow	-$103.0M-6.7%	-$96.5M-48.2%	-$65.1M-149.8%	-$26.1M+55.4%	-$58.4M-46.6%	-$39.9M-11.1%	-$35.9M-216.7%	$30.7M+1431.2%	$2.0M+111.1%	-$18.1M-458.8%	$5.1M-83.3%	$30.2M-27.9%	$41.9M+2333.2%	$1.7M
Financing Cash Flow	$41.7M-52.7%	$88.2M+12.4%	$78.5M+142.5%	$32.4M-23.8%	$42.5M-9.8%	$47.1M+129.5%	$20.5M+143.6%	-$47.1M-1615.8%	$3.1M+121.5%	-$14.5M+26.7%	-$19.7M+36.6%	-$31.1M-0.3%	-$31.0M-461.6%	-$5.5M
Dividends Paid	$2.7M+14.7%	$2.4M+43.5%	$1.7M-2.0%	$1.7M+8.5%	$1.6M-0.1%	$1.6M+8.5%	$1.4M+20.5%	$1.2M+0.5%	$1.2M+73.2%	$689K+300.1%	$172K	N/A	-$1.6M	N/A
Share Buybacks	$2.9M+681.5%	$368K	$0-100.0%	$95K	N/A	N/A	$833K-10.1%	$927K-18.4%	$1.1M+1473.4%	$72K	N/A	N/A	N/A	N/A

Metric	Q4'2210-K	Q3'2210-K	Q2'2210-K	Q1'2210-K	Q4'2110-K	Q3'2110-K	Q2'2110-K	Q1'2110-K
Operating Cash Flow	$7.6M-35.3%	$3.1M-56.1%	$7.8M+92.1%	-$1.7M-148.6%	$11.7M-58.0%	$7.2M+179.5%	$4.1M+2156.3%	$3.5M+339.3%
Capital Expenditures	$507K-86.1%	$278K+1163.6%	$2.7M+1640.1%	$61K-51.2%	$3.7M+241.5%	$22K-94.5%	$157K+61.9%	$125K+792.9%
Free Cash Flow	$7.1M-12.3%	$2.9M-59.8%	$5.0M+29.6%	-$1.8M-152.1%	$8.1M-70.0%	$7.1M+175.9%	$3.9M+1424.5%	$3.4M+328.6%
Investing Cash Flow	-$40.9M+31.2%	-$18.9M+23.0%	-$21.8M-8182.5%	-$21.4M-75.4%	-$59.5M-432.8%	-$24.6M-492.2%	-$263K+99.7%	-$12.2M-589.6%
Financing Cash Flow	$15.0M+746.3%	-$39.2M-305.2%	$52.4M+193.0%	$13.5M-72.8%	$1.8M+109.6%	$19.1M+173.6%	$17.9M-83.1%	$49.5M+185.4%
Dividends Paid	$680K+3.8%	$690K+5.0%	$689K+23.7%	$688K+31.0%	$655K+25.2%	$657K+43.4%	$557K+143.2%	$525K+14.6%
Share Buybacks	$1.8M+468.6%	$890K	$38K	$140K	-$318K	N/A	N/A	$0

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.

UBOH Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UBOH quarterly financial ratios

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Net Margin	24.8%-0.8pp	25.6%+2.7pp	22.9%-1.4pp	24.3%+2.4pp	21.8%+8.5pp	13.4%-9.4pp	22.8%-0.5pp	23.3%+3.1pp	20.2%-1.8pp	22.0%+1.9pp	20.1%+7.3pp	12.8%+1.6pp	11.2%-0.3pp	11.5%
Return on Equity	13.7%+2.3pp	11.4%-0.9pp	12.3%+1.1pp	11.3%+1.1pp	10.2%+5.1pp	5.1%-2.5pp	7.6%-0.7pp	8.3%+1.9pp	6.4%-1.0pp	7.4%+0.4pp	7.0%+2.1pp	4.9%-0.2pp	5.1%-0.2pp	5.3%
Return on Assets	1.0%-0.2pp	1.3%-0.1pp	1.4%+0.2pp	1.2%+0.2pp	1.0%+0.5pp	0.5%-0.4pp	0.9%-0.1pp	1.0%+0.3pp	0.7%-0.2pp	0.8%+0.1pp	0.8%+0.3pp	0.5%0.0pp	0.5%	N/A
Debt-to-Equity	12.15+4.1x	8.04+0.3x	7.77-0.5x	8.28-1.0x	9.26-0.1x	9.31+1.6x	7.73+0.2x	7.51-1.1x	8.59+0.8x	7.83-0.1x	7.92-0.9x	8.83-1.3x	10.14	N/A
Asset Turnover	0.040.0x	0.050.0x	0.060.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.04	N/A
FCF Margin	28.9%-13.4pp	42.4%+16.3pp	26.0%+19.5pp	6.5%-5.8pp	12.3%+6.5pp	5.8%-11.5pp	17.4%-8.5pp	25.9%+4.7pp	21.2%-1.1pp	22.3%-9.9pp	32.2%-8.8pp	41.0%+0.9pp	40.1%+19.4pp	20.7%

Metric	Q4'2210-K	Q3'2210-K	Q2'2210-K	Q1'2210-K	Q4'2110-K	Q3'2110-K	Q2'2110-K	Q1'2110-K
Net Margin	31.3%+8.4pp	25.4%-2.6pp	19.9%-1.9pp	22.3%-6.3pp	22.9%+10.3pp	28.0%+1.1pp	21.7%-12.2pp	28.6%+17.7pp
Return on Equity	4.3%+2.0pp	4.2%+0.7pp	2.5%+0.2pp	2.5%-1.1pp	2.3%+0.7pp	3.5%-1.3pp	2.3%-3.1pp	3.7%+2.6pp
Return on Assets	0.3%+0.1pp	0.3%-0.1pp	0.2%-0.1pp	0.2%-0.2pp	0.3%+0.1pp	0.4%-0.1pp	0.3%-0.3pp	0.4%+0.3pp
Debt-to-Equity	12.15+4.1x	13.35+5.1x	11.75+3.7x	9.76+1.6x	8.04+0.3x	8.21+0.1x	8.07-0.6x	8.160.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	62.5%-5.4pp	23.5%-25.2pp	46.3%+14.4pp	-15.7%-39.4pp	67.9%	48.8%+96.8pp	31.9%+33.6pp	23.6%+38.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
UNITED BNCSHS CLMBUS GRVE UBOH	FY2022	$45.6M	$11.3M	24.8%	$108.7M	—
PEOPLES FINCL CORP MISS PFBX	FY2025	$27.5M	$3.9M	14.2%	$111.1M	—

Where UNITED BNCSHS CLMBUS GRVE Ranks

Frequently Asked Questions

What is UNITED BNCSHS CLMBUS GRVE's annual revenue?

UNITED BNCSHS CLMBUS GRVE (UBOH) reported $45.6M in total revenue for fiscal year 2022. This represents a -14.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is UNITED BNCSHS CLMBUS GRVE's revenue growing?

UNITED BNCSHS CLMBUS GRVE (UBOH) revenue declined by 14.0% year-over-year, from $53.1M to $45.6M in fiscal year 2022.

Is UNITED BNCSHS CLMBUS GRVE profitable?

Yes, UNITED BNCSHS CLMBUS GRVE (UBOH) reported a net income of $11.3M in fiscal year 2022, with a net profit margin of 24.8%.

What is UNITED BNCSHS CLMBUS GRVE's net profit margin?

UNITED BNCSHS CLMBUS GRVE (UBOH) had a net profit margin of 24.8% in fiscal year 2022, representing the share of revenue converted into profit after all expenses.

Does UNITED BNCSHS CLMBUS GRVE pay dividends?

Yes, UNITED BNCSHS CLMBUS GRVE (UBOH) paid $0.84 per share in dividends during fiscal year 2022.

What is UNITED BNCSHS CLMBUS GRVE's return on equity (ROE)?

UNITED BNCSHS CLMBUS GRVE (UBOH) has a return on equity of 13.7% for fiscal year 2022, measuring how efficiently the company generates profit from shareholder equity.

What is UNITED BNCSHS CLMBUS GRVE's free cash flow?

UNITED BNCSHS CLMBUS GRVE (UBOH) generated $13.2M in free cash flow during fiscal year 2022. This represents a -41.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is UNITED BNCSHS CLMBUS GRVE's operating cash flow?

UNITED BNCSHS CLMBUS GRVE (UBOH) generated $16.8M in operating cash flow during fiscal year 2022, representing cash generated from core business activities.

What are UNITED BNCSHS CLMBUS GRVE's total assets?

UNITED BNCSHS CLMBUS GRVE (UBOH) had $1.1B in total assets as of fiscal year 2022, including both current and long-term assets.

What are UNITED BNCSHS CLMBUS GRVE's capital expenditures?

UNITED BNCSHS CLMBUS GRVE (UBOH) invested $3.6M in capital expenditures during fiscal year 2022, funding long-term assets and infrastructure.

Does UNITED BNCSHS CLMBUS GRVE buy back shares?

Yes, UNITED BNCSHS CLMBUS GRVE (UBOH) spent $2.9M on share buybacks during fiscal year 2022, returning capital to shareholders by reducing shares outstanding.

How many shares does UNITED BNCSHS CLMBUS GRVE have outstanding?

UNITED BNCSHS CLMBUS GRVE (UBOH) had 3M shares outstanding as of fiscal year 2022.

What is UNITED BNCSHS CLMBUS GRVE's debt-to-equity ratio?

UNITED BNCSHS CLMBUS GRVE (UBOH) had a debt-to-equity ratio of 12.15 as of fiscal year 2022, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is UNITED BNCSHS CLMBUS GRVE's return on assets (ROA)?

UNITED BNCSHS CLMBUS GRVE (UBOH) had a return on assets of 1.0% for fiscal year 2022, measuring how efficiently the company uses its assets to generate profit.

What is UNITED BNCSHS CLMBUS GRVE's P/E ratio?

UNITED BNCSHS CLMBUS GRVE (UBOH) trades at 9.6x earnings, its market capitalization divided by net income of $11.3M net income, FY2022. The market capitalization is $108.7M as of Sep 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is UNITED BNCSHS CLMBUS GRVE's price-to-sales ratio?

UNITED BNCSHS CLMBUS GRVE (UBOH) trades at 2.4x sales, its market capitalization divided by revenue of $45.6M revenue, FY2022. The market capitalization is $108.7M as of Sep 30, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is UNITED BNCSHS CLMBUS GRVE's Piotroski F-Score?

UNITED BNCSHS CLMBUS GRVE (UBOH) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are UNITED BNCSHS CLMBUS GRVE's earnings high quality?

UNITED BNCSHS CLMBUS GRVE (UBOH) has an earnings quality ratio of 1.48x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.