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UBFO United Security Bancshares

Price (delayed)

$8.5

Market cap

$148.55M

P/E Ratio

11.04

Dividend/share

$0.48

EPS

$0.77

Enterprise value

$133.07M

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
Shares outstanding
17.48M
Market cap
$148.55M
Enterprise value
$133.07M
Valuations
Price to earnings (P/E)
11.04
Price to book (P/B)
1.1
Price to sales (P/S)
3.09
EV/EBIT
7.3
EV/EBITDA
6.53
EV/Sales
2.81
Earnings
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
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
Balance sheet
Total assets
$1.19B
Total liabilities
$1.06B
Debt
$22.42M
Equity
$132.88M
Working capital
N/A
Liquidity
Debt to equity
0.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.76
Margins
EBITDA margin
43%
Gross margin
100%
Net margin
28.1%
Operating margin
38.5%
Efficiency
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
Dividend yield
5.65%
DPS
$0.48
Payout ratio
62.3%

UBFO stock price

How has the United Security Bancshares stock price performed over time
Intraday
3.16%
1 week
-1.62%
1 month
-6.08%
1 year
17.89%
YTD
-15.84%
QTD
-5.13%

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
11.04
P/B
1.1
P/S
3.09
EV/EBIT
7.3
EV/EBITDA
6.53
EV/Sales
2.81
United Security Bancshares's EPS has decreased by 26% YoY and by 10% from the previous quarter
UBFO's P/E is 10% more than its last 4 quarters average of 9.7
The price to book (P/B) is 11% lower than the last 4 quarters average of 1.2 and 2.7% lower than the 5-year quarterly average of 1.1
United Security Bancshares's equity has increased by 7% YoY
UBFO's revenue is down by 7% year-on-year and by 2.5% since the previous quarter
UBFO's P/S is 3.2% below its 5-year quarterly average of 3.1

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
5.65%
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.