United Security Bancshares (UBFO) Stock Price

UBFOStock

$0.00+13.53%52W

Market Cap—

P/E14.76x

PEG Ratio—

Div yield4.70%

Beta-0.03

UBFO Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)10.88%

Price vs S&P 500 (4W)3.86%

VGM Score51.66

P/E Ratio (Annual)14.76x

Indicated Dividend Yield (Annual)4.70%

P/CF (Annual)9.24x

Book Value / Share (Quarterly)$7.94

P/TBV (Annual)1.01x

Indicated Dividend (Annual)$0.48

Revenue Growth (3Y)6.57%

Cash Flow / Share (Quarterly)$1.23

Payout Ratio (TTM)73.42%

Price vs S&P 500 (YTD)9.00%

Net Profit Margin (TTM)36.23%

EPS (TTM)$0.71

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$0.71

Revenue Growth (5Y)8.39%

EPS (Annual)$0.71

Dividend / Share (Annual)$0.48

ROI (Annual)8.42%

Net Profit Margin (5Y Avg)31.13%

Cash / Share (Quarterly)$2.06

P/E Basic Excl Extra (TTM)14.76x

Revenue Growth QoQ (YoY)13.38%

EPS Growth (5Y)6.21%

P/E Normalized (Annual)14.76x

ROA (Last FY)0.98%

Revenue Growth TTM (YoY)34.42%

EBITD / Share (TTM)$1.86

ROE (5Y Avg)11.73%

Operating Margin (TTM)51.01%

Cash Flow / Share (Annual)$1.07

P/B Ratio1.30x

P/B Ratio (Quarterly)1.27x

Net Income / Employee (Annual)$108,700

ROA (TTM)1.01%

EPS Growth QoQ (YoY)36.53%

EV / EBITDA (TTM)10.20x

EPS Incl Extra (Annual)$0.71

3-Month Avg Trading Volume0.04M

52-Week Price Return13.53%

EV / Free Cash Flow (Annual)10.09x

P/E Incl Extra (TTM)14.76x

Tangible BV / Share (Quarterly)$4.88

P/S Ratio (Annual)2.85x

52-Week High$11.52

EPS Excl Extra (Annual)$0.71

CapEx CAGR (5Y)1.59%

Tangible BV CAGR (5Y)2.35%

26-Week Price Return9.25%

13-Week Price Return3.75%

Total Debt / Equity (Annual)0.05x

Enterprise Value$187.65M

Revenue / Share Growth (5Y)5.98%

Book Value / Share Growth (5Y)2.75%

Revenue / Employee (Annual)$405,932,200,000

Pretax Margin (Annual)46.05%

Cash / Share (Annual)$2.26

3-Month Return Std Dev24.30%

Net Income / Employee (TTM)$108,700

EBITDA CAGR (5Y)6.39%

EBITDA Interim CAGR (5Y)9.91%

ROE (Last FY)8.80%

EPS Basic Excl Extra (Annual)$0.71

P/FCF (TTM)8.40x

EV / Free Cash Flow (TTM)8.69x

Total Debt / Equity (Quarterly)0.05x

EPS Incl Extra (TTM)$0.71

ROI (TTM)8.32%

Dividend Growth Rate (5Y)7.81%

P/S Ratio (TTM)2.51x

Pretax Margin (5Y Avg)43.05%

Revenue / Share (Annual)$2.81

Tangible BV / Share (Annual)$4.88

Free OCF CAGR (5Y)6.87%

Price vs S&P 500 (52W)0.28%

P/E Ratio (TTM)14.76x

EPS Growth TTM (YoY)-18.09%

Year-to-Date Return4.37%

5-Day Price Return1.74%

EPS Normalized (Annual)$0.71

ROA (5Y Avg)1.16%

Net Profit Margin (Annual)32.75%

Month-to-Date Return1.16%

Cash Flow / Share (TTM)$1.24

EBITD / Share (Annual)$0.97

EPS Growth (3Y)-8.16%

Operating Margin (Annual)46.05%

LT Debt / Equity (Annual)0.05x

P/CF (TTM)7.78x

ROI (5Y Avg)9.87%

P/E Excl Extra (TTM)14.76x

LT Debt / Equity (Quarterly)0.05x

EPS Basic Excl Extra (TTM)$0.71

P/TBV (Quarterly)1.01x

Payout Ratio (Annual)56.19%

P/B Ratio (Annual)1.27x

Dividend / Share (TTM)$0.48

Pretax Margin (TTM)51.01%

Book Value / Share (Annual)$7.94

Price vs S&P 500 (13W)9.54%

Net Margin Growth (5Y)3.85%

Dividend Yield (TTM)4.60%

Beta-0.03x

P/FCF (Annual)9.75x

Revenue / Share (TTM)$3.18

ROE (TTM)9.03%

52-Week Low$8.48

vGradeC

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mGradeB

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Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
UBFOUnited Security Bancshares	C	D	B	1.3x	9.0%	1.0%	—	$0.00
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

About United Security Bancshares

United Security Bancshares is a bank holding company providing commercial and retail banking services throughout California's Central Valley, including Fresno, Madera, Santa Clara, and Kern Counties. The company offers loans, deposit accounts, wealth management, and digital banking services to businesses, professionals, and individuals. Revenue is generated primarily through interest income from loans and investment securities.