United Security Bancshares (UBFO)

UBFO Statistics

Total Valuation

UBFO has a market cap or net worth of $187.37 million. The enterprise value is $132.43 million.

Market Cap	187.37M
Enterprise Value	132.43M

Important Dates

The next estimated earnings date is Monday, January 26, 2026, after market close.

Earnings Date	Jan 26, 2026
Ex-Dividend Date	Dec 26, 2025

Share Statistics

UBFO has 17.58 million shares outstanding. The number of shares has increased by 1.36% in one year.

Current Share Class	17.58M
Shares Outstanding	17.58M
Shares Change (YoY)	+1.36%
Shares Change (QoQ)	+1.32%
Owned by Insiders (%)	22.63%
Owned by Institutions (%)	35.47%
Float	13.60M

Valuation Ratios

The trailing PE ratio is 16.39.

PE Ratio	16.39
Forward PE	n/a
PS Ratio	3.99
Forward PS	n/a
PB Ratio	1.36
P/TBV Ratio	1.41
P/FCF Ratio	8.73
P/OCF Ratio	8.08
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.65
EV / Sales	2.85
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.17

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.55
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	$407,851
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 +7.03% in the last 52 weeks. The beta is 0.33, so UBFO's price volatility has been lower than the market average.

Beta (5Y)	0.33
52-Week Price Change	+7.03%
50-Day Moving Average	10.02
200-Day Moving Average	9.16
Relative Strength Index (RSI)	64.30
Average Volume (20 Days)	29,277

Short Selling Information

The latest short interest is 149,481, so 0.85% of the outstanding shares have been sold short.

Short Interest	149,481
Short Previous Month	165,628
Short % of Shares Out	0.85%
Short % of Float	1.10%
Short Ratio (days to cover)	5.91

Income Statement

In the last 12 months, UBFO had revenue of $46.50 million and earned $11.37 million in profits. Earnings per share was $0.65.

Revenue	46.50M
Gross Profit	46.50M
Operating Income	17.01M
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, with a net cash position of $54.94 million or $3.13 per share.

Cash & Cash Equivalents	66.77M
Total Debt	11.82M
Net Cash	54.94M
Net Cash Per Share	$3.13
Equity (Book Value)	137.38M
Book Value Per Share	7.82
Working Capital	-993.95M

Cash Flow

In the last 12 months, operating cash flow was $23.20 million and capital expenditures -$1.74 million, giving a free cash flow of $21.46 million.

Operating Cash Flow	23.20M
Capital Expenditures	-1.74M
Free Cash Flow	21.46M
FCF Per Share	$1.22

Margins

Gross Margin	n/a
Operating Margin	36.58%
Pretax Margin	33.80%
Profit Margin	24.45%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	46.16%

Dividends & Yields

This stock pays an annual dividend of $0.48, which amounts to a dividend yield of 4.50%.

Dividend Per Share	$0.48
Dividend Yield	4.50%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	73.79%
Buyback Yield	-1.36%
Shareholder Yield	3.33%
Earnings Yield	6.07%
FCF Yield	11.46%

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