United Security Bancshares (UBFO)

UBFO Statistics

Total Valuation

UBFO has a market cap or net worth of $184.15 million. The enterprise value is $72.84 million.

Market Cap	184.15M
Enterprise Value	72.84M

Important Dates

The next estimated earnings date is Thursday, April 16, 2026, after market close.

Earnings Date	Apr 16, 2026
Ex-Dividend Date	Dec 26, 2025

Share Statistics

UBFO has 17.60 million shares outstanding. The number of shares has increased by 0.27% in one year.

Current Share Class	17.60M
Shares Outstanding	17.60M
Shares Change (YoY)	+0.27%
Shares Change (QoQ)	-1.25%
Owned by Insiders (%)	22.74%
Owned by Institutions (%)	38.00%
Float	13.60M

Valuation Ratios

The trailing PE ratio is 14.94.

PE Ratio	14.94
Forward PE	n/a
PS Ratio	3.81
Forward PS	n/a
PB Ratio	1.32
P/TBV Ratio	1.36
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	5.93
EV / Sales	1.51
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 9.10%.

Return on Equity (ROE)	9.10%
Return on Assets (ROA)	1.00%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.69%
Revenue Per Employee	$423,535
Profits Per Employee	$107,789
Employee Count	114
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UBFO has paid $4.41 million in taxes.

Income Tax	4.41M
Effective Tax Rate	26.40%

Stock Price Statistics

The stock price has increased by +7.50% in the last 52 weeks. The beta is 0.32, so UBFO's price volatility has been lower than the market average.

Beta (5Y)	0.32
52-Week Price Change	+7.50%
50-Day Moving Average	10.54
200-Day Moving Average	9.48
Relative Strength Index (RSI)	42.83
Average Volume (20 Days)	21,209

Short Selling Information

The latest short interest is 106,402, so 0.60% of the outstanding shares have been sold short.

Short Interest	106,402
Short Previous Month	120,727
Short % of Shares Out	0.60%
Short % of Float	0.78%
Short Ratio (days to cover)	5.91

Income Statement

In the last 12 months, UBFO had revenue of $48.28 million and earned $12.29 million in profits. Earnings per share was $0.70.

Revenue	48.28M
Gross Profit	48.28M
Operating Income	18.07M
Pretax Income	16.70M
Net Income	12.29M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.70

Balance Sheet

The company has $120.96 million in cash and $9.65 million in debt, with a net cash position of $111.30 million or $6.32 per share.

Cash & Cash Equivalents	120.96M
Total Debt	9.65M
Net Cash	111.30M
Net Cash Per Share	$6.32
Equity (Book Value)	139.68M
Book Value Per Share	7.94
Working Capital	-952.48M

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	37.42%
Pretax Margin	34.58%
Profit Margin	25.45%
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 4.58%.

Dividend Per Share	$0.48
Dividend Yield	4.58%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	68.57%
Buyback Yield	-0.27%
Shareholder Yield	4.32%
Earnings Yield	6.67%
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