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United Security Bancshares (UBFO)
NASDAQ:UBFO
Total Valuation
United Security Bancshares has a market cap or net worth of $157.99M. The enterprise value is $114.85M.
Market Cap$157.99M
Enterprise Value$114.85M
Share Statistics
United Security Bancshares has 17,476,427 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,476,427
Owned by Insiders29.56%
Owned by Institutions7.50%
Financial Efficiency
United Security Bancshares’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 9.55%.
Return on Equity (ROE)0.11
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)9.55%
Return on Capital Employed (ROCE)0.13
Revenue Per Employee574.25K
Profits Per Employee129.68K
Employee Count114
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Security Bancshares is 13.9. United Security Bancshares’s PEG ratio is -0.45.
PE Ratio13.9
PS Ratio2.65
PB Ratio1.33
Price to Fair Value1.33
Price to FCF9.34
Price to Operating Cash Flow9.72
PEG Ratio-0.45
Income Statement
In the last 12 months, United Security Bancshares had revenue of 65.46M and earned 14.78M in profits. Earnings per share was 0.86.
Revenue65.46M
Gross Profit48.60M
Operating Income20.32M
Pretax Income20.32M
Net Income14.78M
EBITDA22.43M
Earnings Per Share (EPS)0.86
Cash Flow
In the last 12 months, operating cash flow was 15.21M and capital expenditures -705.00K, giving a free cash flow of 14.50M billion.
Operating Cash Flow15.21M
Free Cash Flow14.50M
Free Cash Flow per Share0.83
Dividends & Yields
United Security Bancshares pays an annual dividend of $0.12, resulting in a dividend yield of 5.37%
Dividend Per Share$0.12
Dividend Yield5.37%
Payout Ratio74.07%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.67
52-Week Price Change19.04%
50-Day Moving Average8.61
200-Day Moving Average8.93
Relative Strength Index (RSI)55.60
Average Volume (3m)27.07K
Important Dates
United Security Bancshares upcoming earnings date is Oct 15, 2025, After Close (Confirmed).
Last Earnings DateJul 17, 2025
Next Earnings DateOct 15, 2025
Ex-Dividend DateJul 07, 2025
Financial Position
United Security Bancshares as a current ratio of 0.21, with Debt / Equity ratio of 0.00%
Current Ratio0.21
Quick Ratio0.21
Debt to Market Cap0.07
Net Debt to EBITDA-1.85
Interest Coverage Ratio1.46
Taxes
In the past 12 months, United Security Bancshares has paid 5.54M in taxes.
Income Tax5.54M
Effective Tax Rate0.27
Enterprise Valuation
United Security Bancshares EV to EBITDA ratio is 5.89, with an EV/FCF ratio of 7.10.
EV to Sales2.02
EV to EBITDA5.89
EV to Free Cash Flow7.10
EV to Operating Cash Flow6.73
Balance Sheet
United Security Bancshares has $112.05M in cash and marketable securities with $22.42M in debt, giving a net cash position of -$89.63M billion.
Cash & Marketable Securities$112.05M
Total Debt$22.42M
Net Cash-$89.63M
Net Cash Per Share-$5.13
Tangible Book Value Per Share$7.32
Margins
Gross margin is 36.32%, with operating margin of 31.04%, and net profit margin of 22.58%.
Gross Margin36.32%
Operating Margin31.04%
Pretax Margin31.04%
Net Profit Margin22.58%
EBITDA Margin34.27%
EBIT Margin31.04%
Analyst Forecast
The average price target for United Security Bancshares is $9.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$9.50
Price Target Upside6.26% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast-1.42%
EPS Growth Forecast-37.11%