UBFO United Security Bancshares
Price (delayed)
$9.86
Market cap
$170.8M
P/E Ratio
9.57
Dividend/share
$0.48
EPS
$1.03
Enterprise value
$171.55M
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 69% YoY and by 38% from the previous quarter
United Security Bancshares's equity has increased by 15% YoY and by 4.3% QoQ
UBFO's P/E is 28% more than its last 4 quarters average of 7.5 but 6% less than its 5-year quarterly average of 10.2
United Security Bancshares's EPS has decreased by 10% YoY
The net income is down by 10% year-on-year
Key stats
What are the main financial stats of UBFO
Market
Valuations
Earnings
Shares outstanding
17.32M
Market cap
$170.8M
Enterprise value
$171.55M
Price to earnings (P/E)
9.57
Price to book (P/B)
1.29
Price to sales (P/S)
3.26
EV/EBIT
7.08
EV/EBITDA
6.51
EV/Sales
3.3
Revenue
$51.97M
Gross profit
$51.97M
Operating income
$24.24M
Net income
$17.69M
EBIT
$24.24M
EBITDA
$26.33M
Free cash flow
$20.74M
Per share
Balance sheet
Liquidity
EPS
$1.03
EPS diluted
$1.03
Free cash flow per share
$1.21
Book value per share
$7.67
Revenue per share
$3.02
TBVPS
$72.75
Total assets
$1.26B
Total liabilities
$1.12B
Debt
$48.66M
Equity
$132.86M
Working capital
N/A
Debt to equity
0.37
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.03
Margins
Efficiency
Dividend
EBITDA margin
50.7%
Gross margin
100%
Net margin
34%
Operating margin
46.6%
Return on assets
1.4%
Return on equity
14%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
46.6%
Dividend yield
4.87%
DPS
$0.48
Payout ratio
46.6%
UBFO stock price
How has the United Security Bancshares stock price performed over time
Intraday
-1.99%
1 week
-2.67%
1 month
-0.8%
1 year
33.97%
YTD
-2.38%
QTD
-2.38%
Financial performance
How have United Security Bancshares's revenue and profit performed over time
Revenue
$51.97M
Gross profit
$51.97M
Operating income
$24.24M
Net income
$17.69M
Gross margin
100%
Net margin
34%
United Security Bancshares's operating income has decreased by 13% YoY
The operating margin has declined by 11% year-on-year
The net income is down by 10% year-on-year
The net margin has contracted by 8% YoY
Growth
What is United Security Bancshares's growth rate over time
Valuation
What is United Security Bancshares stock price valuation
P/E
9.57
P/B
1.29
P/S
3.26
EV/EBIT
7.08
EV/EBITDA
6.51
EV/Sales
3.3
UBFO's P/E is 28% more than its last 4 quarters average of 7.5 but 6% less than its 5-year quarterly average of 10.2
United Security Bancshares's EPS has decreased by 10% YoY
The price to book (P/B) is 17% higher than the 5-year quarterly average of 1.1 and 17% higher than the last 4 quarters average of 1.1
United Security Bancshares's equity has increased by 15% YoY and by 4.3% QoQ
UBFO's P/S is 25% above its last 4 quarters average of 2.6 and 9% above its 5-year quarterly average of 3.0
UBFO's revenue is down by 2.5% year-on-year
Efficiency
How efficient is United Security Bancshares business performance
The ROE has contracted by 19% YoY and by 3.4% from the previous quarter
United Security Bancshares's ROS has decreased by 11% YoY
The ROIC has declined by 10% year-on-year
The company's return on assets fell by 7% YoY
Dividends
What is UBFO's dividend history
DPS
$0.48
Dividend yield
4.87%
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
United Security Bancshares's total assets has increased by 2.9% QoQ
The total liabilities has declined by 3.1% year-on-year but it has increased by 2.8% since the previous quarter
The debt is 63% less than the equity
The debt to equity has dropped by 72% year-on-year and by 39% since the previous quarter
The debt has plunged by 69% YoY and by 38% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.