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NASDAQ: UBFO
United Security Bancshares Stock

$7.53+0.18 (+2.45%)
Updated Mar 27, 2024
UBFO Price
$7.53
Fair Value Price
N/A
Market Cap
$129.93M
52 Week Low
$5.50
52 Week High
$8.74
P/E
6.49x
P/B
1.06x
P/S
2.69x
PEG
1.29x
Dividend Yield
6.24%
Revenue
$53.43M
Earnings
$19.80M
Gross Margin
100%
Operating Margin
51.42%
Profit Margin
37.1%
Debt to Equity
8.88
Operating Cash Flow
$21M
Beta
0.96
Next Earnings
Apr 24, 2024
Ex-Dividend
N/A
Next Dividend
N/A

UBFO Overview

United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.

Zen Score

–
Industry Average (34)
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Due Diligence Checks

UBFO ($7.53) is trading below its intrinsic value of $8.42, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UBFO is good value based on its earnings relative to its share price (6.49x), compared to the US market average (44.45x)
P/E vs Market Valuation
UBFO is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more UBFO due diligence checks available for Premium users.

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UBFO News

Valuation

UBFO fair value

Fair Value of UBFO stock based on Discounted Cash Flow (DCF)
Price
$7.53
Fair Value
$21.53
Undervalued by
65.02%
UBFO ($7.53) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

UBFO price to earnings (PE)

For valuing profitable companies with steady earnings
Company
6.49x
Industry
-10.57x
Market
44.45x
UBFO is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UBFO is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

UBFO price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.06x
Industry
1.02x
UBFO is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

UBFO price to earnings growth (PEG)

For valuing profitable companies with growth potential
UBFO is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

UBFO's financial health

Profit margin

Revenue
$14.1M
Net Income
$5.4M
Profit Margin
38.4%
UBFO's Earnings (EBIT) of $27.48M... subscribe to Premium to read more.
Interest Coverage Financials
UBFO's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.2B
Liabilities
$1.1B
Debt to equity
8.88
UBFO's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UBFO's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$6.7M
Investing
$63.8M
Financing
-$65.0M
UBFO's operating cash flow ($21.38M)... subscribe to Premium to read more.
Debt Coverage Financials

UBFO vs Bank Stocks

TickerMarket Cap1d %P/EP/B
UBFO$129.93M+2.45%6.49x1.06x
FCCO$131.22M+1.30%11.03x1.00x
FINW$128.32M+0.60%7.25x0.83x
BFIN$127.97M0.00%13.88x0.82x
CFBK$132.35M+2.23%7.45x0.87x

United Security Bancshares Stock FAQ

What is United Security Bancshares's quote symbol?

(NASDAQ: UBFO) United Security Bancshares trades on the NASDAQ under the ticker symbol UBFO. United Security Bancshares stock quotes can also be displayed as NASDAQ: UBFO.

If you're new to stock investing, here's how to buy United Security Bancshares stock.

What is the 52 week high and low for United Security Bancshares (NASDAQ: UBFO)?

(NASDAQ: UBFO) United Security Bancshares's 52-week high was $8.74, and its 52-week low was $5.50. It is currently -13.84% from its 52-week high and 36.91% from its 52-week low.

How much is United Security Bancshares stock worth today?

(NASDAQ: UBFO) United Security Bancshares currently has 17,255,505 outstanding shares. With United Security Bancshares stock trading at $7.53 per share, the total value of United Security Bancshares stock (market capitalization) is $129.93M.

United Security Bancshares stock was originally listed at a price of $5.00 in Mar 3, 1999. If you had invested in United Security Bancshares stock at $5.00, your return over the last 25 years would have been 50.6%, for an annualized return of 1.65% (not including any dividends or dividend reinvestments).

How much is United Security Bancshares's stock price per share?

(NASDAQ: UBFO) United Security Bancshares stock price per share is $7.53 today (as of Mar 27, 2024).

What is United Security Bancshares's Market Cap?

(NASDAQ: UBFO) United Security Bancshares's market cap is $129.93M, as of Mar 28, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

United Security Bancshares's market cap is calculated by multiplying UBFO's current stock price of $7.53 by UBFO's total outstanding shares of 17,255,505.
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