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No institutional (13F) filings cover this company, so the Overview and 13F tabs are thin. Everything drawn from its SEC filings is here.
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Ranked against 16 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $895.0B | 16.8× | — | 4.9× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 1,974 |
| BAC | $346.2B | 13.1× | — | 3.1× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 1,281 |
| C | $203.0B | 17.6× | — | 2.4× | 5.6% | — | 16.8% | 6.7% | 2.5% | — | — |
| COF | $125.7B | 50.8× | — | 2.4× | 36.6% | — | 4.6% | 2.2% | 2.1% | — | 645 |
| USB | $92.6B | 12.9× | — | 3.2× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 685 |
| PNC | $90.5B | 13.7× | — | 3.9× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 677 |
| KEY | $22.3B | 13.9× | — | 3.0× | 62.7% | — | 24.3% | 9.0% | 6.0% | — | 248 |
| FHN | $11.0B | 12.4× | — | 3.2× | 7.2% | — | 28.7% | 11.1% | 8.1% | — | — |
| CFR | $9.8B | 15.9× | — | 4.4× | 8.3% | — | 29.0% | 14.2% | 14.2% | — | 149 |
| WBHC | $6.8B | 87.9× | — | 19.1× | 14.2% | — | 21.2% | 13.0% | 12.8% | — | — |
| CBU | $3.3B | 15.7× | — | 4.0× | 9.6% | — | 25.7% | 10.5% | 10.5% | — | 58 |
| PRK | $3.2B | 15.8× | — | 4.8× | 2.9% | — | 27.1% | 13.3% | 12.6% | — | 61 |
| BANC | $2.9B | 15.6× | — | 1.6× | -3.8% | — | 12.6% | 6.5% | 4.1% | — | 48 |
| NBTB | $2.7B | 15.7× | — | 14.8× | 10.4% | — | 92.5% | 8.9% | 8.3% | — | 62 |
| CASH | $1.6B | 9.6× | — | 1.9× | 5.3% | — | 22.1% | 21.7% | 20.6% | — | 46 |
| HAFC | $960M | 13.0× | 12.1× | 3.5× | 15.3% | — | 28.2% | 9.6% | 9.6% | 0.0× | 38 |
| UBOH | $111M | 12.0× | — | 90.5× | 13.0% | — | — | 13.7% | 13.7% | — | — |
Peers = companies sharing UBOH's sector (National Commercial Banks) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 21% of free cash flow, leaving room to grow it and fund buybacks. Last year: $2.7M dividends + $2.9M buybacks = $5.6M returned on $13.2M FCF.
2 consecutive years of dividend increases · 18%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Insufficient data. Current ROIC on all capital: 14%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $30.7M covers all $30.1M of scheduled principal — no refinancing pressure. Scheduled principal only (excludes interest & revolver draws). As of 2022-12-31 (10-K).
Interest expense isn't separately reported — often netted into “other income (expense), net.”
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2022
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.2M 100.0% | $1.1M 100.0% | $1.1M 100.0% | $1.5M 100.0% | $1.6M 100.0% | $1.6M 100.0% | $1.6M 100.0% | — | — | — |
| Interest Expense | $3.3M 264.4% | $3.1M 281.6% | $7.0M 634.1% | $8.9M 600.5% | $6.2M 382.5% | $3.1M 190.6% | $2.2M 138.6% | $2.1M | $2.7M | $3.2M |
| Pretax Income | $12.5M 1016.6% | $16.1M 1474.8% | $16.7M 1513.3% | $12.3M 826.1% | $9.7M 605.5% | $6.7M 411.1% | $7.3M 451.2% | $7.3M | $5.4M | $5.9M |
| Income Tax Expense | $1.2M 98.5% | $2.5M 228.8% | $2.9M 265.2% | $1.6M 108.7% | $1.5M 95.0% | $2.9M 176.0% | $1.7M 108.3% | $1.4M | $1.1M | $1.2M |
| Net Income | $11.3M 918.0% | $13.6M 1246.0% | $13.8M 1248.2% | $10.7M 717.4% | $8.2M 510.6% | $3.8M 235.1% | $5.5M 342.9% | $5.9M | $4.3M | $4.6M |
| Per Share | ||||||||||
| EPS (Basic) | $3.47 | $4.14 | $4.21 | $3260.00 | $2.51 | $1.18 | $1.68 | — | — | — |
| EPS (Diluted) | $3.46 | $4.07 | $4.16 | $3250.00 | $2.51 | $1.18 | $1.68 | — | — | — |
| Weighted Avg Shares (Basic) | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.4M | 3.4M |
| Weighted Avg Shares (Diluted) | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.3M | 3.4M | 3.4M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-10-30
Where each multiple sits in its own 11-yr range · 94th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 11-yr history.
Is the profit real, and how strong is the balance sheet?
FY2022 · every deduction from revenue to net income
DuPont — the three levers
ROE 14% against ROIC 14% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
Equity is the year-end figure. On average equity over the two year-ends, ROE is 11.2% — the two diverge when buybacks or issuance move equity during the year.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2015 | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 |
|---|---|---|---|---|---|---|---|---|
| Income Tax | — | 108.3 | 176.0 | 95.0 | 108.7 | 265.2 | 228.8 | 98.5 |
| Net Income | — | 342.9 | 235.1 | 510.6 | 717.4 | 1248.2 | 1246.0 | 918.0 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on UBOH: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2016 | not reported | not reported | 342.9% |
| FY2017 | not reported | not reported | 235.1% |
| FY2018 | not reported | not reported | 510.6% |
| FY2019 | not reported | not reported | 717.4% |
| FY2020 | not reported | not reported | 1248.2% |
| FY2021 | not reported | not reported | 1246.0% |
| FY2022 | not reported | not reported | 918.0% |
Return on equity (14%) and return on invested capital (14%) are within a couple of points in FY2022, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: positive EBIT.
Free cash flow of $13M exceeds revenue of $1M, so the cash flow statement is carrying customer balances rather than earnings. Cash conversion cannot be read here.
Banks, brokers, insurers and payment companies run customer money through operating cash flow. Treat free cash flow, FCF yield and any DCF on this company as unreliable.
Missing from our data, so excluded from this answer: free cash flow attributable to the company.
Leverage is not measurable this way for a bank.
This schedule comes from a filing dated 2022-12-31, 1400 days old. Maturities are shown relative to that date, not to today.
Ladder as of 2022-12-31 (10-K); cash from the 2022-12-31 balance sheet; FCF from FY2022.
Balance sheet at 2022-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
At $41.41, free cash flow must compound -13.02%/yr for 10 years. It has done 20.96%/yr over 6 years.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2017 | −60.2% | −13.0% |
| FY2018 | 175.6% | −13.0% |
| FY2019 | −37.9% | −13.0% |
| FY2020 | 444.8% | −13.0% |
| FY2021 | 43.8% | −13.0% |
| FY2022 | −41.3% | −13.0% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The cost of capital could not be computed for this company, so the requirement is solved at the published 10% default — a different rate would move it materially.