United Security Bancshares (UBFO)

UBFO Statistics

Total Valuation

UBFO has a market cap or net worth of $166.11 million. The enterprise value is $127.90 million.

Market Cap	166.11M
Enterprise Value	127.90M

Important Dates

The next estimated earnings date is Friday, October 17, 2025, after market close.

Earnings Date	Oct 17, 2025
Ex-Dividend Date	Oct 3, 2025

Share Statistics

UBFO has 17.48 million shares outstanding. The number of shares has increased by 0.45% in one year.

Current Share Class	17.48M
Shares Outstanding	17.48M
Shares Change (YoY)	+0.45%
Shares Change (QoQ)	-0.01%
Owned by Insiders (%)	22.61%
Owned by Institutions (%)	36.48%
Float	13.53M

Valuation Ratios

The trailing PE ratio is 14.31.

PE Ratio	14.31
Forward PE	n/a
PS Ratio	3.58
Forward PS	n/a
PB Ratio	1.21
P/TBV Ratio	1.25
P/FCF Ratio	7.88
P/OCF Ratio	7.52
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.44
EV / Sales	2.87
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.21

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.71
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.54%.

Return on Equity (ROE)	8.54%
Return on Assets (ROA)	0.92%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$391,544
Profits Per Employee	$98,035
Employee Count	114
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBFO has paid $4.02 million in taxes.

Income Tax	4.02M
Effective Tax Rate	26.43%

Stock Price Statistics

The stock price has increased by +7.52% in the last 52 weeks. The beta is 0.41, so UBFO's price volatility has been lower than the market average.

Beta (5Y)	0.41
52-Week Price Change	+7.52%
50-Day Moving Average	9.14
200-Day Moving Average	9.14
Relative Strength Index (RSI)	45.02
Average Volume (20 Days)	22,110

Short Selling Information

The latest short interest is 225,719, so 1.29% of the outstanding shares have been sold short.

Short Interest	225,719
Short Previous Month	237,532
Short % of Shares Out	1.29%
Short % of Float	1.67%
Short Ratio (days to cover)	14.20

Income Statement

In the last 12 months, UBFO had revenue of $44.64 million and earned $11.18 million in profits. Earnings per share was $0.65.

Revenue	44.64M
Gross Profit	44.64M
Operating Income	15.42M
Pretax Income	15.19M
Net Income	11.18M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.65

Balance Sheet

The company has $49.09 million in cash and $14.64 million in debt, giving a net cash position of $34.45 million or $1.97 per share.

Cash & Cash Equivalents	49.09M
Total Debt	14.64M
Net Cash	34.45M
Net Cash Per Share	$1.97
Equity (Book Value)	134.25M
Book Value Per Share	7.68
Working Capital	-991.11M

Cash Flow

In the last 12 months, operating cash flow was $21.60 million and capital expenditures -$1.00 million, giving a free cash flow of $20.60 million.

Operating Cash Flow	21.60M
Capital Expenditures	-1.00M
Free Cash Flow	20.60M
FCF Per Share	$1.18

Margins

Gross Margin	n/a
Operating Margin	34.56%
Pretax Margin	34.04%
Profit Margin	25.04%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	46.15%

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 5.17%.

Dividend Per Share	$0.48
Dividend Yield	5.17%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	73.94%
Buyback Yield	-0.45%
Shareholder Yield	4.72%
Earnings Yield	6.88%
FCF Yield	12.69%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 5, 2017. It was a forward split with a ratio of 1.01:1.

Last Split Date	Apr 5, 2017
Split Type	Forward
Split Ratio	1.01:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4