UBFO United Security Bancshares
Price (delayed)
$8.54
Market cap
$147.36M
P/E Ratio
9.93
Dividend/share
$0.48
EPS
$0.86
Enterprise value
$105.88M
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 80% YoY and by 70% from the previous quarter
United Security Bancshares's equity has increased by 6% YoY
UBFO's P/E is 10% less than its 5-year quarterly average of 10.4 but 7% more than its last 4 quarters average of 8.7
United Security Bancshares's EPS has decreased by 26% YoY and by 17% from the previous quarter
The net income is down by 25% year-on-year and by 16% since the previous quarter
Key stats
What are the main financial stats of UBFO
Market
Valuations
Earnings
Shares outstanding
17.26M
Market cap
$147.36M
Enterprise value
$105.88M
Price to earnings (P/E)
9.93
Price to book (P/B)
1.13
Price to sales (P/S)
3.02
EV/EBIT
5.21
EV/EBITDA
4.72
EV/Sales
2.18
Revenue
$48.6M
Gross profit
$48.6M
Operating income
$20.32M
Net income
$14.78M
EBIT
$20.32M
EBITDA
$22.44M
Free cash flow
$18.6M
Per share
Balance sheet
Liquidity
EPS
$0.86
EPS diluted
$0.86
Free cash flow per share
$1.08
Book value per share
$7.53
Revenue per share
$2.83
TBVPS
$70.24
Total assets
$1.21B
Total liabilities
$1.08B
Debt
$14.73M
Equity
$130.36M
Working capital
N/A
Debt to equity
0.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.85
Margins
Efficiency
Dividend
EBITDA margin
46.2%
Gross margin
100%
Net margin
30.4%
Operating margin
41.8%
Return on assets
1.2%
Return on equity
11.5%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
41.8%
Dividend yield
5.62%
DPS
$0.48
Payout ratio
55.8%
UBFO stock price
How has the United Security Bancshares stock price performed over time
Intraday
6.62%
1 week
10.19%
1 month
-4.58%
1 year
14.48%
YTD
-15.45%
QTD
-4.69%
Financial performance
How have United Security Bancshares's revenue and profit performed over time
Revenue
$48.6M
Gross profit
$48.6M
Operating income
$20.32M
Net income
$14.78M
Gross margin
100%
Net margin
30.4%
United Security Bancshares's operating income has decreased by 26% YoY and by 16% from the previous quarter
The net income is down by 25% year-on-year and by 16% since the previous quarter
The operating margin has declined by 19% year-on-year and by 10% since the previous quarter
The net margin has contracted by 18% YoY and by 11% from the previous quarter
Growth
What is United Security Bancshares's growth rate over time
Valuation
What is United Security Bancshares stock price valuation
P/E
9.93
P/B
1.13
P/S
3.02
EV/EBIT
5.21
EV/EBITDA
4.72
EV/Sales
2.18
United Security Bancshares's EPS has decreased by 26% YoY and by 17% from the previous quarter
UBFO's P/E is 10% less than its 5-year quarterly average of 10.4 but 7% more than its last 4 quarters average of 8.7
United Security Bancshares's equity has increased by 6% YoY
The price to book (P/B) is 3.6% lower than the 5-year quarterly average of 1.1 and 3.6% lower than the last 4 quarters average of 1.1
UBFO's P/S is 9% below its 5-year quarterly average of 3.1 and 2.4% below its last 4 quarters average of 2.9
UBFO's revenue is down by 9% year-on-year and by 6% since the previous quarter
Efficiency
How efficient is United Security Bancshares business performance
The ROE has contracted by 32% YoY and by 18% from the previous quarter
The company's return on assets fell by 25% YoY and by 14% QoQ
The ROIC has declined by 24% year-on-year and by 16% since the previous quarter
United Security Bancshares's ROS has decreased by 19% YoY and by 10% from the previous quarter
Dividends
What is UBFO's dividend history
DPS
$0.48
Dividend yield
5.62%
Payout ratio
55.8%
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
The total liabilities has declined by 3.7% since the previous quarter
United Security Bancshares's total assets has decreased by 3.5% QoQ
The debt is 89% less than the equity
The debt to equity has dropped by 82% year-on-year and by 70% since the previous quarter
The debt has plunged by 80% YoY and by 70% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.