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UBOH Dividend DRIP Calculator 2026
2.49% YieldFinancial ServicesUnited Bancshares, Inc. · OTC
Price: $39.30 · Annual div: $0.98/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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🎯 When UBOH pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in UBOH → $2.20M in 10 years · $128,724.28/month
About United Bancshares, Inc. (UBOH) — Dividend Analysis 2026
United Bancshares, Inc. serves as the holding company for The Union Bank Company, offering a comprehensive suite of commercial and consumer banking services. Its deposit portfolio includes checking, savings, demand, money market, and term certificates, alongside individual retirement accounts and certificates of deposit. The firm provides a diverse array of lending solutions, encompassing commercial and residential real estate, agricultural, commercial and industrial, home equity, consumer, and Small Business Administration (SBA) loans. Beyond traditional banking, it delivers wealth management, financial planning, mutual funds, securities trading, annuities, and life insurance. Customers also have access to treasury management, online and mobile banking, ATMs, bill payment, safe deposit box rentals, and other tailored payment and personalized services. The company maintains eighteen full-service banking centers and three loan production offices across northwest and central Ohio. Established in 1904, United Bancshares, Inc. is headquartered in Columbus Grove, Ohio.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 UBOH Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold UBOH.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 2.49% | -0.31% | $249 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.12% | -0.68% | $212 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.99% | -0.81% | $199 / yr |
| 🇬🇧 UK ISA | 0% | 2.49% | -0.31% | $249 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.27% | -0.53% | $227 / yr |
| 🇨🇦 TFSA | 0% | 2.49% | -0.31% | $249 / yr |
| 🇨🇦 CA Taxable | 25% | 1.87% | -0.93% | $187 / yr |
| 🇦🇺 Super (pension) | 15% | 2.12% | -0.68% | $212 / yr |
| 🇦🇺 AU Taxable | 30% | 1.74% | -1.06% | $174 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.83% | -0.97% | $183 / yr |
| 🇫🇷 FR Taxable | 30% | 1.74% | -1.06% | $174 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 UBOH Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.98/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 UBOH Dividend Payment Schedule
UBOH pays quarterly — 4 times per year. Next ex-div: TBD.
📊 UBOH vs Financial Services Benchmarks
How UBOH compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for UBOH sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ UBOH Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2022-11-09 | 195 | $19.25 | $3.8K | ||
| A-Award | 2022-11-09 | 97 | $19.25 | $1.9K | ||
| A-Award | 2022-11-09 | 97 | $19.25 | $1.9K | ||
| Buy | 2022-09-07 | 1,000 | $19.83 | $19.8K | ||
| Buy | 2022-09-07 | 1,000 | $19.88 | $19.9K | ||
| Buy | 2022-08-29 | 25 | $19.99 | $500.00 | ||
| A-Award | 2022-08-16 | 13,669 | $23.10 | $315.8K | ||
| A-Award | 2022-08-16 | 13,669 | — | — | ||
| A-Award | 2022-08-16 | 3,507 | $23.10 | $81.0K | ||
| A-Award | 2022-08-16 | 3,507 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the UBOH dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
United Bancshares, Inc. (UBOH) is currently trading at $39.30, 9% below its 52-week high. The current dividend yield is 2.49% based on an annual payout of $0.98 per share.
UBOH (United Bancshares, Inc.) — 2.49% Dividend Yield Analysis
United Bancshares, Inc. (UBOH) is a financial services stock currently trading at $39.30 with a dividend yield of 2.49%. The company pays an annual dividend of $0.98 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, UBOH has grown its dividend at a compound annual rate of 78.5%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.