United Bancshares Reports Impressive Q3 2025 Earnings Boost

Author: Henry Turner Updated: 10-23-2025 04:43 PM

Strong Financial Performance by United Bancshares, Inc.

United Bancshares, Inc. (OTCQX: UBOH) is the holding company for The Union Bank Company that recently shared impressive financial outcomes for the quarter ending September 30, 2025. The company announced a cash dividend of $0.23 per share, which reflects its solid financial footing and robust operational efficiency.

Highlights of Third Quarter 2025

Quarterly Achievements and Key Metrics

The third quarter has been marked by several key highlights:

A quarterly cash dividend of $0.23 per share will be payable to shareholders of record.
Net income reached $3.0 million, translating to $1.01 per share, which showcases an increase from the $2.5 million, or $0.83 per share, reported during the same quarter last year.
Year-to-date net income soared to $8.9 million, equivalent to $3.00 per share, showing an improvement from $6.1 million, or $2.05 per share, in the previous year.
The return on average assets stood at 1.01%, up from 0.83% compared to the third quarter of 2024.
The return on average tangible shareholders’ equity was recorded at 15.89%, an improvement over the previous year’s 14.96% during the same quarter.
Loan growth reached an impressive $37.9 million, showing a 6.58% annualized increase since the end of 2024.
Core deposits increased by $11.5 million, reflecting a 1.56% annualized growth rate throughout this quarter.
Asset quality remained high, with non-performing and classified loans showing stability and historically low charge-offs.

Robust Financial Health Overview

The third quarter’s performance indicates strong underlying financial health for United Bancshares, Inc. The company has effectively managed its assets and liabilities, enhancing profitability metrics that are attractive to both current and potential investors.

Future Outlook and Digital Innovations

The company is not only focusing on financial growth but is also progressively enhancing customer experiences through digital transformation. United Bancshares has started implementing a new digital platform, which is anticipated to launch in early 2026. This aligns with the company's commitment to offer cutting-edge technological solutions to its clients.

Leadership's Commitment to Shareholders

Brian D. Young, President and CEO, affirms that the company's steady performance is a testament to the diligence of its dedicated team and the Board of Directors. The strong corporate culture centered around accountability and respect for shareholders, clients, and employees remains a core value.

Contact Information

If you have questions regarding the financial report or want to learn more about United Bancshares, Inc., please contact:

Brian D. Young, President and CEO
Klint D. Manz, Chief Financial Officer
Telephone: 419.659.2141

Frequently Asked Questions

What was United Bancshares' net income for Q3 2025?

The company reported a net income of $3.0 million, or $1.01 per share, for the third quarter of 2025.

What is the declared dividend per share?

United Bancshares declared a cash dividend of $0.23 per share for the third quarter.

How did the return on average assets change?

The return on average assets increased to 1.01% in Q3 2025, up from 0.83% in the comparable period of 2024.

What is the status of loan growth for United Bancshares?

The company experienced a loan growth of $37.9 million, representing a 6.58% annualized increase from December 2024 to September 2025.

How does the executive team view the future of the company?

The leadership emphasizes ongoing commitment to strong performance and innovative solutions to enhance client services moving forward.

About The Author

Hi there, As a writer and financial specialist, Henry Turner is passionate about guiding people through the complex world of finance. Having worked in finance for many years, I am an expert at simplifying difficult financial ideas into understandable, useful insights for my blog and articles. My goal is to arm you with the confidence and information you need to make wise financial choices.

Writing for a number of financial blogs has allowed me to interact with readers from novice investors looking for fresh ideas to seasoned investors starting their financial journeys. My mission is to enable everyone to understand and access finance, so enabling you to confidently and clearly reach your financial goals. I appreciate you traveling with me toward success and financial literacy.

Contact Henry Turner privately here. Or send an email with ATTN: Henry Turner as the subject to contact@investorshangout.com.

About Investors Hangout

Investors Hangout is a leading online stock forum for financial discussion and learning, offering a wide range of free tools and resources. It draws in traders of all levels, who exchange market knowledge, investigate trading tactics, and keep an eye on industry developments in real time. Featuring financial articles, stock message boards, quotes, charts, company profiles, and live news updates. Through cooperative learning and a wealth of informational resources, it helps users from novices creating their first portfolios to experts honing their techniques. Join Investors Hangout today: https://investorshangout.com/

The content of this article is based on factual, publicly available information and does not represent legal, financial, or investment advice. Investors Hangout does not offer financial advice, and the author is not a licensed financial advisor. Consult a qualified advisor before making any financial or investment decisions based on this article. This article should not be considered advice to purchase, sell, or hold any securities or other investments. If any of the material provided here is inaccurate, please contact us for corrections.