United Bancshares' Q4 net income rises
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.
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