United Security Bancshares (UBFO)

UBFO Statistics

Total Valuation

UBFO has a market cap or net worth of $150.29 million. The enterprise value is $134.81 million.

Market Cap	150.29M
Enterprise Value	134.81M

Important Dates

The next estimated earnings date is Tuesday, July 29, 2025, after market close.

Earnings Date	Jul 29, 2025
Ex-Dividend Date	Jul 7, 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 (%)	21.84%
Owned by Institutions (%)	25.88%
Float	13.66M

Valuation Ratios

The trailing PE ratio is 13.25.

PE Ratio	13.25
Forward PE	n/a
PS Ratio	3.28
Forward PS	n/a
PB Ratio	1.13
P/TBV Ratio	1.17
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.06
EV / Sales	2.99
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)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$395,684
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 +8.29% in the last 52 weeks. The beta is 0.35, so UBFO's price volatility has been lower than the market average.

Beta (5Y)	0.35
52-Week Price Change	+8.29%
50-Day Moving Average	8.69
200-Day Moving Average	9.13
Relative Strength Index (RSI)	47.33
Average Volume (20 Days)	118,299

Short Selling Information

The latest short interest is 276,876, so 1.58% of the outstanding shares have been sold short.

Short Interest	276,876
Short Previous Month	58,253
Short % of Shares Out	1.58%
Short % of Float	2.03%
Short Ratio (days to cover)	2.50

Income Statement

In the last 12 months, UBFO had revenue of $45.11 million and earned $11.18 million in profits. Earnings per share was $0.65.

Revenue	45.11M
Gross Profit	45.11M
Operating Income	15.90M
Pretax Income	24.52M
Net Income	11.18M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.65

Balance Sheet

The company has $37.89 million in cash and $22.42 million in debt, giving a net cash position of $15.48 million or $0.89 per share.

Cash & Cash Equivalents	37.89M
Total Debt	22.42M
Net Cash	15.48M
Net Cash Per Share	$0.89
Equity (Book Value)	132.88M
Book Value Per Share	7.60
Working Capital	n/a

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	35.24%
Pretax Margin	33.68%
Profit Margin	24.78%
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 5.58%.

Dividend Per Share	$0.48
Dividend Yield	5.58%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	73.94%
Buyback Yield	-0.45%
Shareholder Yield	5.10%
Earnings Yield	7.44%
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	1