United Security Bancshares (UBFO)
NASDAQ:UBFO
Total Valuation
United Security Bancshares has a market cap or net worth of $181.36M. The enterprise value is $77.08M.
Market Cap$181.36M
Enterprise Value$77.08M
Share Statistics
United Security Bancshares has 17,604,923 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,604,923
Owned by Insiders20.14%
Owned by Institutions16.75%
Financial Efficiency
United Security Bancshares’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is -10.12%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-10.12%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee578.05K
Profits Per Employee107.79K
Employee Count114
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Security Bancshares is 14.1. United Security Bancshares’s PEG ratio is -0.81.
PE Ratio14.1
PS Ratio2.63
PB Ratio1.24
Price to Fair Value1.24
Price to FCF8.78
Price to Operating Cash Flow8.22
PEG Ratio-0.81
Income Statement
In the last 12 months, United Security Bancshares had revenue of 65.90M and earned 12.29M in profits. Earnings per share was 0.71.
Revenue65.90M
Gross Profit48.28M
Operating Income16.70M
Pretax Income16.70M
Net Income12.29M
EBITDA16.70M
Earnings Per Share (EPS)0.71
Cash Flow
In the last 12 months, operating cash flow was 22.06M and capital expenditures -2.28M, giving a free cash flow of 19.77M billion.
Operating Cash Flow22.06M
Free Cash Flow19.77M
Free Cash Flow per Share1.12
Dividends & Yields
United Security Bancshares pays an annual dividend of $0.12, resulting in a dividend yield of 4.66%
Dividend Per Share$0.12
Dividend Yield4.66%
Payout Ratio73.17%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.72
52-Week Price Change35.11%
50-Day Moving Average10.60
200-Day Moving Average9.54
Relative Strength Index (RSI)55.05
Average Volume (3m)27.81K
Important Dates
United Security Bancshares upcoming earnings date is Apr 22, 2026, After Close (Confirmed).
Last Earnings DateJan 22, 2026
Next Earnings DateApr 22, 2026
Ex-Dividend Date―
Financial Position
United Security Bancshares as a current ratio of 0.64, with Debt / Equity ratio of 9.31%
Current Ratio0.64
Quick Ratio0.64
Debt to Market Cap0.06
Net Debt to EBITDA-6.47
Interest Coverage Ratio1.39
Taxes
In the past 12 months, United Security Bancshares has paid 4.41M in taxes.
Income Tax4.41M
Effective Tax Rate0.26
Enterprise Valuation
United Security Bancshares EV to EBITDA ratio is 3.93, with an EV/FCF ratio of 3.32.
EV to Sales1.00
EV to EBITDA3.93
EV to Free Cash Flow3.32
EV to Operating Cash Flow2.98
Balance Sheet
United Security Bancshares has $260.78M in cash and marketable securities with $13.01M in debt, giving a net cash position of $247.77M billion.
Cash & Marketable Securities$260.78M
Total Debt$13.01M
Net Cash$247.77M
Net Cash Per Share$14.07
Tangible Book Value Per Share$7.84
Margins
Gross margin is 75.11%, with operating margin of 25.33%, and net profit margin of 18.65%.
Gross Margin75.11%
Operating Margin25.33%
Pretax Margin25.33%
Net Profit Margin18.65%
EBITDA Margin25.33%
EBIT Margin25.33%
Analyst Forecast
The average price target for United Security Bancshares is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast-2.00%
EPS Growth Forecast-36.25%