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UBFO United Security Bancshares
- Stocks
- Financial Services
- NASDAQ: UBFO
Price (delayed)
$8.605
Market cap
$150.38M
P/E Ratio
11.18
Dividend/share
$0.48
EPS
$0.77
Enterprise value
$134.9M
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
United Security Bancshares's equity has increased by 7% YoY
The debt has plunged by 81% YoY but it has soared by 52% from the previous quarter
United Security Bancshares's EPS has decreased by 26% YoY and by 10% from the previous quarter
The net income is down by 25% year-on-year and by 10% since the previous quarter
Key stats
What are the main financial stats of UBFO
Market
Valuations
Earnings
Shares outstanding
17.48M
Market cap
$150.38M
Enterprise value
$134.9M
Price to earnings (P/E)
11.18
Price to book (P/B)
1.12
Price to sales (P/S)
3.13
EV/EBIT
7.41
EV/EBITDA
6.62
EV/Sales
2.85
Revenue
$47.37M
Gross profit
$47.37M
Operating income
$18.22M
Net income
$13.3M
EBIT
$18.22M
EBITDA
$20.38M
Free cash flow
$14.5M
Per share
Balance sheet
Liquidity
EPS
$0.77
EPS diluted
$0.77
Free cash flow per share
$0.84
Book value per share
$7.7
Revenue per share
$2.75
TBVPS
$68.91
Total assets
$1.19B
Total liabilities
$1.06B
Debt
$22.42M
Equity
$132.88M
Working capital
N/A
Debt to equity
0.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.76
Margins
Efficiency
Dividend
EBITDA margin
43%
Gross margin
100%
Net margin
28.1%
Operating margin
38.5%
Return on assets
1.1%
Return on equity
10.2%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
38.5%
Dividend yield
5.58%
DPS
$0.48
Payout ratio
62.3%
UBFO stock price
How has the United Security Bancshares stock price performed over time
Intraday
-2.99%
1 week
-3.85%
1 month
2.81%
1 year
16.76%
YTD
-14.8%
QTD
-0.52%
Financial performance
How have United Security Bancshares's revenue and profit performed over time
Revenue
$47.37M
Gross profit
$47.37M
Operating income
$18.22M
Net income
$13.3M
Gross margin
100%
Net margin
28.1%
United Security Bancshares's operating income has decreased by 26% YoY and by 10% from the previous quarter
The net income is down by 25% year-on-year and by 10% since the previous quarter
The operating margin has declined by 20% year-on-year and by 8% since the previous quarter
The net margin has contracted by 19% YoY and by 8% from the previous quarter
Price vs fundamentals
How does UBFO's price correlate with its fundamentals
Growth
What is United Security Bancshares's growth rate over time
Valuation
What is United Security Bancshares stock price valuation
P/E
11.18
P/B
1.12
P/S
3.13
EV/EBIT
7.41
EV/EBITDA
6.62
EV/Sales
2.85
United Security Bancshares's EPS has decreased by 26% YoY and by 10% from the previous quarter
UBFO's P/E is 19% more than its last 4 quarters average of 9.7 and 10% more than its 5-year quarterly average of 10.5
United Security Bancshares's equity has increased by 7% YoY
The price to book (P/B) is 4.5% higher than the 5-year quarterly average of 1.1 but 4.2% lower than the last 4 quarters average of 1.2
UBFO's P/S is 8% above its last 4 quarters average of 3.0 and 4.2% above its 5-year quarterly average of 3.1
UBFO's revenue is down by 7% year-on-year and by 2.5% since the previous quarter
Efficiency
How efficient is United Security Bancshares business performance
The ROE has contracted by 32% YoY and by 11% from the previous quarter
The company's return on assets fell by 21% YoY and by 8% QoQ
The ROIC has declined by 21% year-on-year and by 6% since the previous quarter
United Security Bancshares's ROS has decreased by 20% YoY and by 8% from the previous quarter
Dividends
What is UBFO's dividend history
DPS
$0.48
Dividend yield
5.58%
Payout ratio
62.3%
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 13% higher than its total liabilities
The total liabilities has declined by 2.2% year-on-year and by 2.1% since the previous quarter
The debt is 83% less than the equity
The debt to equity has dropped by 82% year-on-year but it has surged by 55% since the previous quarter
The debt has plunged by 81% YoY but it has soared by 52% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.