United Security Bancshares (UBFO)

UBFO Statistics

Total Valuation

UBFO has a market cap or net worth of $155.54 million. The enterprise value is $100.60 million.

Market Cap	155.54M
Enterprise Value	100.60M

Important Dates

The last earnings date was Thursday, October 16, 2025, after market close.

Earnings Date	Oct 16, 2025
Ex-Dividend Date	Oct 3, 2025

Share Statistics

UBFO has 17.48 million shares outstanding. The number of shares has increased by 0.50% in one year.

Current Share Class	17.48M
Shares Outstanding	17.48M
Shares Change (YoY)	+0.50%
Shares Change (QoQ)	+0.22%
Owned by Insiders (%)	22.61%
Owned by Institutions (%)	36.50%
Float	13.53M

Valuation Ratios

The trailing PE ratio is 13.69.

PE Ratio	13.69
Forward PE	n/a
PS Ratio	3.34
Forward PS	n/a
PB Ratio	1.14
P/TBV Ratio	1.17
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	8.85
EV / Sales	2.19
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 8.41%.

Return on Equity (ROE)	8.41%
Return on Assets (ROA)	0.91%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$402,825
Profits Per Employee	$99,737
Employee Count	114
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBFO has paid $4.34 million in taxes.

Income Tax	4.34M
Effective Tax Rate	27.64%

Stock Price Statistics

The stock price has increased by +1.14% in the last 52 weeks. The beta is 0.40, so UBFO's price volatility has been lower than the market average.

Beta (5Y)	0.40
52-Week Price Change	+1.14%
50-Day Moving Average	9.25
200-Day Moving Average	9.06
Relative Strength Index (RSI)	44.56
Average Volume (20 Days)	27,540

Short Selling Information

The latest short interest is 227,470, so 1.30% of the outstanding shares have been sold short.

Short Interest	227,470
Short Previous Month	225,719
Short % of Shares Out	1.30%
Short % of Float	1.68%
Short Ratio (days to cover)	10.50

Income Statement

In the last 12 months, UBFO had revenue of $45.92 million and earned $11.37 million in profits. Earnings per share was $0.65.

Revenue	45.92M
Gross Profit	45.92M
Operating Income	16.44M
Pretax Income	15.71M
Net Income	11.37M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.65

Balance Sheet

The company has $66.77 million in cash and $11.82 million in debt, giving a net cash position of $54.94 million or $3.14 per share.

Cash & Cash Equivalents	66.77M
Total Debt	11.82M
Net Cash	54.94M
Net Cash Per Share	$3.14
Equity (Book Value)	137.38M
Book Value Per Share	7.82
Working Capital	-993.81M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	35.79%
Pretax Margin	34.22%
Profit Margin	24.76%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 5.33%.

Dividend Per Share	$0.48
Dividend Yield	5.33%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	73.82%
Buyback Yield	-0.50%
Shareholder Yield	4.90%
Earnings Yield	7.31%
FCF Yield	n/a

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	2