UBFO United Security Bancshares

Price (delayed)

$7.55

Market cap

$129.38M

P/E Ratio

6.57

Dividend/share

$0.47

EPS

$1.15

Enterprise value

$248.65M

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
UBFO's revenue is up by 26% year-on-year
The gross profit has grown by 26% YoY
United Security Bancshares's EPS has increased by 46% YoY but it has decreased by 3.4% from the previous quarter
The net income is up by 44% year-on-year but it is down by 3% since the previous quarter
The debt has grown by 37% from the previous quarter

Key stats

What are the main financial stats of UBFO
Market
Shares outstanding
17.14M
Market cap
$129.38M
Enterprise value
$248.65M
Valuations
Price to earnings (P/E)
6.57
Price to book (P/B)
1.12
Price to sales (P/S)
2.43
EV/EBIT
8.95
EV/EBITDA
8.4
EV/Sales
4.67
Earnings
Revenue
$53.29M
EBIT
$27.79M
EBITDA
$29.59M
Free cash flow
$22.16M
Per share
EPS
$1.15
Free cash flow per share
$1.29
Book value per share
$6.73
Revenue per share
$3.11
TBVPS
$74.05
Balance sheet
Total assets
$1.27B
Total liabilities
$1.16B
Debt
$154.57M
Equity
$115.03M
Working capital
N/A
Liquidity
Debt to equity
1.34
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.03
Margins
EBITDA margin
55.5%
Gross margin
100%
Net margin
37%
Operating margin
52.1%
Efficiency
Return on assets
1.5%
Return on equity
17.3%
Return on invested capital
2.1%
Return on capital employed
N/A
Return on sales
52.1%
Dividend
Dividend yield
6.23%
DPS
$0.47
Payout ratio
40.9%

UBFO stock price

How has the United Security Bancshares stock price performed over time
Intraday
-0.26%
1 week
0.53%
1 month
2.03%
1 year
21.58%
YTD
-10.23%
QTD
-10.23%

Financial performance

How have United Security Bancshares's revenue and profit performed over time
Revenue
$53.29M
Gross profit
$53.29M
Operating income
$27.79M
Net income
$19.74M
Gross margin
100%
Net margin
37%
United Security Bancshares's operating income has soared by 50% YoY but it has decreased by 3.1% from the previous quarter
The net income is up by 44% year-on-year but it is down by 3% since the previous quarter
UBFO's revenue is up by 26% year-on-year
The gross profit has grown by 26% YoY

Growth

What is United Security Bancshares's growth rate over time

Valuation

What is United Security Bancshares stock price valuation
P/E
6.57
P/B
1.12
P/S
2.43
EV/EBIT
8.95
EV/EBITDA
8.4
EV/Sales
4.67
United Security Bancshares's EPS has increased by 46% YoY but it has decreased by 3.4% from the previous quarter
UBFO's P/E is 41% less than its 5-year quarterly average of 11.1 but 2.7% more than its last 4 quarters average of 6.4
The price to book (P/B) is 12% higher than the last 4 quarters average of 1.0 but 7% lower than the 5-year quarterly average of 1.2
United Security Bancshares's equity has increased by 7% YoY
UBFO's P/S is 29% below its 5-year quarterly average of 3.4 but 6% above its last 4 quarters average of 2.3
UBFO's revenue is up by 26% year-on-year

Efficiency

How efficient is United Security Bancshares business performance
The company's return on assets has surged by 50% YoY but it fell by 6% QoQ
The ROE has grown by 42% YoY but it has contracted by 4.9% from the previous quarter
The ROIC has increased by 31% year-on-year but it has declined by 9% since the previous quarter
United Security Bancshares's ROS has increased by 20% YoY but it has decreased by 2.3% from the previous quarter

Dividends

What is UBFO's dividend history
DPS
$0.47
Dividend yield
6.23%
Payout ratio
40.9%
Recent dividends

Financial health

How did United Security Bancshares financials performed over time
United Security Bancshares's total assets is 10% higher than its total liabilities
The total liabilities has declined by 8% year-on-year
United Security Bancshares's total assets has decreased by 7% YoY
The debt is 34% more than the equity
The debt to equity is up by 37% since the previous quarter
The debt has grown by 37% from the previous quarter

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