United Bancshares' Q4 net income rises

United Bancshares

22/01/2026 21:42

Overview

United Bancshares' Q4 net income rose slightly yr/yr to $3.1 mln

Net interest margin for Q4 increased to 4.03% from 3.39% yr/yr

Loan growth of $58.1 mln, up 7.58% from December 31, 2024

Outlook

United Bancshares plans to launch new digital platform in Q2 2026

Company expects no cost increase from technology enhancements due to renegotiated contracts

United Bancshares plans to expand into a new market in 2026

Result Drivers

LOAN GROWTH - United Bancshares reported a $58.1 mln increase in loans, up 7.58% from the previous year-end

DEPOSIT CHANGES - Deposits decreased by $15.4 mln, but excluding the Ohio Treasurers Homebuyers Plus Program, deposits increased by $2.4 mln

NET INTEREST MARGIN - Net interest margin rose to 4.03% from 3.39% in the previous year, indicating improved interest income management

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Net Income
$3.1 mln
FY Net Income
$12 mln
FY Dividend
$0.92
FY Net Interest Margin
3.78%


Press Release: ID:nPn8lLPBFa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)