Price (delayed)
$8.29
Market cap
$143.61M
P/E Ratio
8.05
Dividend/share
$0.48
EPS
$1.03
Enterprise value
$182.72M
United Security Bancshares is the holding company for United Security Bank, which was founded in 1987. United Security Bank is headquartered in Fresno and operates 12 full-service branch offices in
Highlights
The debt has contracted by 33% from the previous quarter and by 31% YoY
United Security Bancshares's equity has increased by 10% YoY and by 2.5% QoQ
UBFO's P/E is 24% less than its 5-year quarterly average of 10.4 but 14% more than its last 4 quarters average of 7.0
The net income is down by 13% year-on-year
United Security Bancshares's EPS has decreased by 13% YoY
Key stats
What are the main financial stats of UBFO
Market
Valuations
Earnings
Shares outstanding
17.32M
Market cap
$143.61M
Enterprise value
$182.72M
Price to earnings (P/E)
8.05
Price to book (P/B)
1.13
Price to sales (P/S)
2.75
EV/EBIT
7.45
EV/EBITDA
6.86
EV/Sales
3.53
Revenue
$51.72M
EBIT
$24.52M
EBITDA
$26.63M
Free cash flow
$12.26M
Per share
Balance sheet
Liquidity
EPS
$1.03
Free cash flow per share
$0.71
Book value per share
$7.35
Revenue per share
$3.01
TBVPS
$70.72
Total assets
$1.22B
Total liabilities
$1.09B
Debt
$77.87M
Equity
$127.35M
Working capital
N/A
Debt to equity
0.61
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.47
Margins
Efficiency
Dividend
EBITDA margin
51.5%
Gross margin
100%
Net margin
34.2%
Operating margin
47.4%
Return on assets
1.4%
Return on equity
14.5%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
47.4%
Dividend yield
5.79%
DPS
$0.48
Payout ratio
46.6%
UBFO stock price
How has the United Security Bancshares stock price performed over time
Intraday
1.22%
1 week
1.97%
1 month
7.94%
1 year
12.79%
YTD
-1.43%
QTD
14.34%
Financial performance
How have United Security Bancshares's revenue and profit performed over time
Revenue
$51.72M
Gross profit
$51.72M
Operating income
$24.52M
Net income
$17.71M
Gross margin
100%
Net margin
34.2%
United Security Bancshares's operating income has decreased by 15% YoY
The net income is down by 13% year-on-year
The operating margin has declined by 11% year-on-year
The net margin has contracted by 10% YoY and by 2% from the previous quarter
Growth
What is United Security Bancshares's growth rate over time
Valuation
What is United Security Bancshares stock price valuation
P/E
8.05
P/B
1.13
P/S
2.75
EV/EBIT
7.45
EV/EBITDA
6.86
EV/Sales
3.53
UBFO's P/E is 24% less than its 5-year quarterly average of 10.4 but 14% more than its last 4 quarters average of 7.0
United Security Bancshares's EPS has decreased by 13% YoY
United Security Bancshares's equity has increased by 10% YoY and by 2.5% QoQ
UBFO's P/S is 12% below its 5-year quarterly average of 3.1 but 9% above its last 4 quarters average of 2.5
UBFO's revenue is down by 3.8% year-on-year
Efficiency
How efficient is United Security Bancshares business performance
The ROE has contracted by 20% YoY and by 2.7% from the previous quarter
The ROIC has declined by 17% year-on-year
The company's return on assets fell by 13% YoY
United Security Bancshares's ROS has decreased by 11% YoY
Dividends
What is UBFO's dividend history
DPS
$0.48
Dividend yield
5.79%
Payout ratio
46.6%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did United Security Bancshares financials performed over time
United Security Bancshares's total assets is 12% higher than its total liabilities
The total liabilities has declined by 7% year-on-year
United Security Bancshares's total assets has decreased by 5% YoY
The debt is 39% less than the equity
The debt to equity has declined by 38% year-on-year and by 34% since the previous quarter
The debt has contracted by 33% from the previous quarter and by 31% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.