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United Bancshares Financial Highlights for Q4 2025

United Bancshares, Inc., known as the holding entity for The Union Bank Company, has disclosed its financial results for the fourth quarter of 2025, revealing significant progress and a substantial cash dividend for its shareholders.

In the announcement made on January 22, 2026, the company highlighted a quarterly cash dividend of $0.24 per share for shareholders who are on record by February 27, 2026, with payments scheduled for March 16, 2026. This dividend, representing a yield of 2.65% based on the average closing price during the fourth quarter, underscores the commitment of United Bancshares to delivering value to its shareholders.

Key Financial Metrics

In terms of financial performance, United Bancshares reported a net income of $3.1 million, translating to $1.04 per share for the fourth quarter of 2025. This reflects a $0.02 increase from the previous year’s comparable period when net income was reported at $3.0 million or $1.02 per share. For the full year, the company’s net income reached $12.0 million, or $4.04 per share, marking a notable increase from $9.2 million, or $3.06 per share, for 2024.

The return on average assets for this quarter stood at 1.02%, a rise from 0.98% in the same quarter of the previous year, while the year-to-date return on average assets increased to 1.00% from 0.80% over the same period. However, the return on average tangible equity for the quarter decreased to 14.64% from 17.27% in 2024, while it rose to 15.85% for the year compared to the 14.06% from the prior year.

Net interest margin also saw an uplifting increase to 4.03% from 3.39% during the previous quarter, complemented by loan growth of $58.1 million, demonstrating a growth of 7.58% from December 31, 2024. It should be noted that deposits saw a minor decrease of $15.4 million, or 1.43%, from the previous year, however, excluding the impacts of market volatility, deposits actually grew by $2.4 million.

Beyond Financial Figures

The financial results reflect solid asset quality metrics maintained by United Bancshares, with non-performing loans and charge-offs at historically low levels, which is indicative of strong risk management protocols.

The company is poised for additional growth as it looks forward to enhancing client relationships through various technological improvements. In 2026, United Bancshares plans to improve its Interactive Teller Machines (ITM) with extended hours and additional team members in commercial and treasury management sectors. This strategic move aims to provide improved services and attract new clients.

Moreover, a new digital platform is slated for release in the second quarter of 2026, which will offer customers more intuitive tools and service options. The management has emphasized their commitment to growth without incurring increased costs through the renegotiation of vendor contracts and adept technology implementation.

Executive Insights

Brian D. Young, the President and CEO, expressed his satisfaction with the past year and highlighted the significance of the declared dividends and continuous profitability growth as a testament to the company’s performance and commitment to its shareholders.

In his message to shareholders, Young reiterated ongoing efforts to enhance operational efficiency and support community growth, stating, “Through this service, we help drive economic growth in our communities…”.

As United Bancshares continues its trajectory of growth and community service, it positions itself as a reliable banking entity focused on delivering consistent results for stakeholders while being committed to local economic development and wellness.

Conclusion

With the recent announcements and growth trajectories laid out for the year ahead, United Bancshares appears to be on a solid foundation. Stakeholders can look forward to increased opportunities as the company leverages technology to enhance its services, ensuring continued dedication to client satisfaction and shareholder returns.