UBFO Statistics

Total Valuation

UBFO has a market cap or net worth of $147.67 million. The enterprise value is $133.42 million.

Market Cap	147.67M
Enterprise Value	133.42M

Important Dates

The next estimated earnings date is Thursday, July 17, 2025, after market close.

Earnings Date	Jul 17, 2025
Ex-Dividend Date	Apr 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)	+0.14%
Owned by Insiders (%)	21.84%
Owned by Institutions (%)	25.75%
Float	13.66M

Valuation Ratios

The trailing PE ratio is 10.84.

PE Ratio	10.84
Forward PE	n/a
PS Ratio	3.05
Forward PS	n/a
PB Ratio	1.10
P/TBV Ratio	1.16
P/FCF Ratio	10.27
P/OCF Ratio	9.79
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	10.03
EV / Sales	2.82
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.20

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.55
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.35%.

Return on Equity (ROE)	10.35%
Return on Assets (ROA)	1.11%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$415,456
Profits Per Employee	$116,702
Employee Count	114
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBFO has paid $4.91 million in taxes.

Income Tax	4.91M
Effective Tax Rate	26.97%

Stock Price Statistics

The stock price has increased by +20.50% 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	+20.50%
50-Day Moving Average	8.66
200-Day Moving Average	9.10
Relative Strength Index (RSI)	55.39
Average Volume (20 Days)	31,036

Short Selling Information

The latest short interest is 65,546, so 0.38% of the outstanding shares have been sold short.

Short Interest	65,546
Short Previous Month	66,269
Short % of Shares Out	0.38%
Short % of Float	0.48%
Short Ratio (days to cover)	2.50

Income Statement

In the last 12 months, UBFO had revenue of $47.36 million and earned $13.30 million in profits. Earnings per share was $0.77.

Revenue	47.36M
Gross Profit	47.36M
Operating Income	18.91M
Pretax Income	24.52M
Net Income	13.30M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.77

Full Income Statement

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	-980.60M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $15.21 million and capital expenditures -$705,000, giving a free cash flow of $14.50 million.

Operating Cash Flow	15.21M
Capital Expenditures	-705,000
Free Cash Flow	14.50M
FCF Per Share	$0.83

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	39.93%
Pretax Margin	38.46%
Profit Margin	28.09%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.62%

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 5.53%.

Dividend Per Share	$0.48
Dividend Yield	5.53%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	62.07%
Buyback Yield	-0.45%
Shareholder Yield	5.24%
Earnings Yield	8.94%
FCF Yield	9.74%

Dividend Details

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