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Peter Lynch Guru Analysis for United Bancshares, Inc.

UBOH 
$15.23
*  
0.23
1.53%
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*Delayed - data as of Sep. 12, 2014  -  Find a broker to begin trading UBOH now
Exchange: NASDAQ
Industry: Finance
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Assessments & Analysis Based on September 11, 2014 close price: $15

  for the P/E/Growth Investor based on the criteria of Peter Lynch. Return to UBOH Guru Analysis

All Star Guru Scorecard

Source Go Chart %
Peter Lynch 63%
Benjamin Graham 29%
Validea 36%
Motley Fool 65%
David Dreman 69%
Martin Zweig 46%
Kenneth Fisher 48%
James P. O'Shaughnessy 0%



Detailed Analysis

Guru Score: 63%


Determine the Classification:

UBOH is considered a "Stalwart", according to this methodology, for its earnings growth of 10.51%. This is based on Based on the average of the 3, 4 and 5 year historical EPS growth rates, which lies within a moderate 10%-19% range. This methodology looks for the "Stalwart" securities to gain 30%-50% in value over a two year period if they can be purchased at an attractive price based on the P/E to Growth ratio. However, UBOH is not considered a "True Stalwart" for its sales of $20 million are less than the multi-billion dollar level.


Yield adjusted P/E to Growth (PEG) ratio: [PASS]

The Yield-adjusted P/E/G ratio for UBOH (.94), Based on the average of the 3, 4 and 5 year historical EPS growth rates, is O.K.


EARNINGS PER SHARE: [PASS]

The EPS for a stalwart company must be positive. UBOH's EPS ($1.29) would satisfy this criterion.


Total Debt/Equity Ratio: [NEUTRAL]

UBOH is a financial company so debt to equity rules are not applied to determine the company's financial soundness.


EQUITY/ASSETS RATIO: [PASS]

This methodology uses the Equity/Assets Ratio as a way to determine a financial intermediary's health, as it is a better measure than the Debt/Equity Ratio. UBOH's Equity/Assets ratio (11%) is healthy and above the minimum 5% this methodology looks for, thus passing the criterion.


RETURN ON ASSETS: [FAIL]

This methodology uses Return on Assets as a way to measure a financial intermediary's profitability. UBOH's ROA (.77%) is below the minimum 1% that this methodology looks for, thus failing the criterion.


FREE CASH FLOW: [NEUTRAL]

The Free Cash Flow/Price ratio, though not a requirement, is considered a bonus if it is above 35%. A positive Cash Flow (the higher the better) separates a wonderfully reliable investment from a shaky one. This methodology prefers not to invest in companies that rely heavily on capital spending. This ratio for UBOH (8.13%) is too low to add to the attractiveness of the stock. Keep in mind, however, that it does not adversely affect the company as it is a bonus criteria.


NET CASH POSITION: Another bonus for a company is having a Net Cash/Price ratio above 30%. Lynch defines net cash as cash and marketable securities minus long term debt. According to this methodology, a high value for this ratio dramatically cuts down on the risk of the security. The Net Cash/Price ratio for UBOH (30.4%) is high enough to add to the attractiveness of this company.

 
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