Is United Bancshares, Inc. (Ohio) UBOH stock halal to invest in?

No, as of August 2026, United Bancshares, Inc. (Ohio) stock (UBOH) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. United Bancshares, Inc. (Ohio) currently does not meet the threshold for the non-permissible income and interest-bearing investments screens. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of United Bancshares, Inc. (Ohio) and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is United Bancshares, Inc. (Ohio) UBOH reviewed for Shariah compliance?

Tabadulat reviews United Bancshares, Inc. (Ohio) UBOH for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for United Bancshares, Inc. (Ohio) reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, United Bancshares, Inc. (Ohio) stock (UBOH) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. United Bancshares, Inc. (Ohio)'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Interest Bearing Investments criteria?

No, as of August 2026, United Bancshares, Inc. (Ohio) stock (UBOH) does not pass the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. United Bancshares, Inc. (Ohio)'s interest-bearing investments currently exceed this 30% limit, meaning too large a share of the company's value derives from riba-based instruments for the stock to qualify as halal on this criterion. The ratio moves with both the balance sheet and the share price, and is reassessed monthly.

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, United Bancshares, Inc. (Ohio) stock (UBOH) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. United Bancshares, Inc. (Ohio)'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for United Bancshares, Inc. (Ohio) UBOH stock?

United Bancshares, Inc. (Ohio) (UBOH) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If United Bancshares, Inc. (Ohio) returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Preference Share screen?

Yes, as of August 2026, United Bancshares, Inc. (Ohio) stock (UBOH) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. United Bancshares, Inc. (Ohio) has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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United Bancshares, Inc. (Ohio)

NASDAQ

Shariah-Compliant

Not Shariah

UBOH

About

United Bancshares, Inc. (Ohio)

UBOH

United Bancshares Inc. operates as a financial holding company for The Union Bank Company, specializing in commercial and consumer banking services. Its primary function is to provide a wide array of financial products and personalized services to meet the diverse needs of both individuals and businesses. Notable features include deposit accounts such as checking, savings, and certificates of deposit, alongside loan offerings that encompass commercial, residential, agricultural, and home equity financing. The company also offers wealth management, treasury management, and advanced digital banking solutions. With operations primarily in northwest and central Ohio, United Bancshares Inc. plays a significant role in supporting regional economic activities through its full-service banking centers and loan production offices. Founded in 1904, the company is headquartered in Columbus Grove, Ohio.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

211

Website:

https://www.theubank.com

UBOH

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United Bancshares, Inc. (Ohio)

About

United Bancshares, Inc. (Ohio)

UBOH

Frequently asked questions

Is United Bancshares, Inc. (Ohio) UBOH stock halal to invest in?

How often is United Bancshares, Inc. (Ohio) UBOH reviewed for Shariah compliance?

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Non Permissible Income criteria?

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Interest Bearing Investments criteria?

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for United Bancshares, Inc. (Ohio) UBOH stock?

Does United Bancshares, Inc. (Ohio) UBOH pass the AAOIFI Preference Share screen?

Can I buy United Bancshares, Inc. (Ohio) (UBOH) stock on Tabadulat?

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