UBFO United Security Bancshares

  1. Stocks
  2. Financial Services
  3. NASDAQ: UBFO

Price (delayed)

$7.34

Market cap

$126.66M

P/E Ratio

6.33

Dividend/share

$0.48

EPS

$1.16

Enterprise value

$160.52M

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 plunged by 52% from the previous quarter
The net income is up by 26% year-on-year
UBFO's P/E is 41% less than its 5-year quarterly average of 10.8 but 2.9% more than its last 4 quarters average of 6.2
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.unitedsecuritybank.com
Peers: BSRR HAFC WABC CVBF

Key stats

What are the main financial stats of UBFO
Market
Shares outstanding
17.26M
Market cap
$126.66M
Enterprise value
$160.52M
Valuations
Price to earnings (P/E)
6.33
Price to book (P/B)
1.03
Price to sales (P/S)
2.35
EV/EBIT
5.84
EV/EBITDA
5.43
EV/Sales
3
Earnings
Revenue
$53.43M
EBIT
$27.48M
EBITDA
$29.58M
Free cash flow
$20.59M
Per share
EPS
$1.16
Free cash flow per share
$1.2
Book value per share
$7.15
Revenue per share
$3.12
TBVPS
$70.5
Balance sheet
Total assets
$1.21B
Total liabilities
$1.09B
Debt
$74.65M
Equity
$122.54M
Working capital
N/A
Liquidity
Debt to equity
0.61
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.14
Margins
EBITDA margin
55.4%
Gross margin
100%
Net margin
37.1%
Operating margin
51.4%
Efficiency
Return on assets
1.6%
Return on equity
17%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
51.4%
Dividend
Dividend yield
6.54%
DPS
$0.48
Payout ratio
41.4%

UBFO stock price

How has the United Security Bancshares stock price performed over time
Intraday
-0.81%
1 week
-0.14%
1 month
-0.14%
1 year
21.93%
YTD
-12.72%
QTD
-4.8%

Financial performance

How have United Security Bancshares's revenue and profit performed over time
Revenue
$53.43M
Gross profit
$53.43M
Operating income
$27.48M
Net income
$19.8M
Gross margin
100%
Net margin
37.1%
The net income is up by 26% year-on-year
United Security Bancshares's operating income has increased by 25% YoY
The gross profit has grown by 16% YoY
UBFO's revenue is up by 16% year-on-year

Growth

What is United Security Bancshares's growth rate over time

Valuation

What is United Security Bancshares stock price valuation
P/E
6.33
P/B
1.03
P/S
2.35
EV/EBIT
5.84
EV/EBITDA
5.43
EV/Sales
3
UBFO's P/E is 41% less than its 5-year quarterly average of 10.8 but 2.9% more than its last 4 quarters average of 6.2
United Security Bancshares's EPS has increased by 26% YoY
The price to book (P/B) is 14% lower than the 5-year quarterly average of 1.2 and 6% lower than the last 4 quarters average of 1.1
United Security Bancshares's equity has increased by 9% YoY and by 7% QoQ
UBFO's P/S is 28% below its 5-year quarterly average of 3.3 but 3% above its last 4 quarters average of 2.3
UBFO's revenue is up by 16% year-on-year

Efficiency

How efficient is United Security Bancshares business performance
The company's return on assets rose by 33% YoY and by 7% QoQ
The ROE has grown by 20% YoY
The ROIC has increased by 17% year-on-year
United Security Bancshares's ROS has increased by 7% YoY

Dividends

What is UBFO's dividend history
Dividend details
DPS
$0.48
Dividend yield
6.54%
Payout ratio
41.4%
Recent dividends

Financial health

How did United Security Bancshares financials performed over time
United Security Bancshares's total assets is 11% higher than its total liabilities
The total liabilities has declined by 8% year-on-year and by 6% since the previous quarter
United Security Bancshares's total assets has decreased by 7% YoY and by 4.9% QoQ
The debt is 39% less than the equity
The debt to equity has dropped by 54% since the previous quarter
The debt has plunged by 52% from the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.