United Security Bancshares
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- Market Cap.:
- $125.98 million
- Book Value:
- Revenue TTM:
- $53.58 million
- Operating Margin TTM:
- Gross Profit TTM:
- $46.10 million
- Profit Margin:
- Return on Assets TTM:
- Return on Equity TTM:
United Security Bancshares had its IPO on 1999-03-03 under the ticker symbol UBFO.
The company operates in the Financial Services sector and Banks-Regional industry. United Security Bancshares has a staff strength of 117 employees.
Shares of United Security Bancshares opened at $7.32 at the start of the last trading session i.e. 2023-09-12.
The stocks traded within a range of $7.3 - $7.48, and closed at $7.35.
This is a -0.27% slip from the previous day's closing price.
A total volume of 15,280 shares were traded at the close of the day’s session.
In the last one week, shares of United Security Bancshares have increased by +1.94%.
United Security Bancshares's Key Ratios
United Security Bancshares has a market cap of $125.98 million, indicating a price to book ratio of 1.1241 and a price to sales ratio of 2.805.
In the last 12-months United Security Bancshares’s revenue was $53.58 million with a gross profit of $46.10 million and an EBITDA of $0. The EBITDA ratio measures United Security Bancshares's overall financial performance and is widely used to measure its profitability.
In the trailing 12-month period, United Security Bancshares’s operating margin was 55.33% while its return on assets stood at 1.55% with a return of equity of 18.03%.
In Q2, United Security Bancshares’s quarterly earnings growth was a positive 29.1% while revenue growth was a positive 18.3%.
United Security Bancshares’s PE and PEG Ratio
- Forward PE
- Trailing PE
Its diluted EPS in the last 12-months stands at $1.19 per share while it has a forward price to earnings multiple of 0 and a PEG multiple of 0. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.
The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into United Security Bancshares’s profitability.
United Security Bancshares stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 2.805.
United Security Bancshares stock pays annual dividends of $0.44 per share, indicating a yield of 6.51% and a payout ratio of 37.93%.
Balance sheet and cash flow metrics
- Total Assets
- $1.29 billion
- Total Liabilities
- $102.38 million
- Operating Cash Flow
- Capital Expenditure
- Dividend Payout Ratio
United Security Bancshares ended 2023 with $1.29 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $1.29 billion while shareholder equity stood at $115.68 million.
United Security Bancshares ended 2023 with $0 in deferred long-term liabilities, $102.38 million in other current liabilities, 60451000.00 in common stock, $71.86 million in retained earnings and $4.49 million in goodwill. Its cash balance stood at $58.40 million and cash and short-term investments were $260.62 million. The company’s total short-term debt was $102,379,000 while long-term debt stood at $10.72 million.
United Security Bancshares’s total current assets stands at $268.39 million while long-term investments were $205.52 million and short-term investments were $202.21 million. Its net receivables were $7.77 million compared to accounts payable of $13.49 million and inventory worth $0.
In 2023, United Security Bancshares's operating cash flow was $-16143000.00 while its capital expenditure stood at $218000.
Comparatively, United Security Bancshares paid $0.38 in dividends in 2023.
Other key metrics
- Current Trading Price
- 52-Week High
- 52-Week Low
- Analyst Target Price
United Security Bancshares stock is currently trading at $7.35 per share. It touched a 52-week high of $8.0882 and a 52-week low of $8.0882. Analysts tracking the stock have a 12-month average target price of $0.
Its 50-day moving average was $7.09 and 200-day moving average was $6.76 The short ratio stood at 1.78 indicating a short percent outstanding of 0%.
Around 2053.4% of the company’s stock are held by insiders while 2965.6% are held by institutions.
Frequently Asked Questions About United Security Bancshares
Similar Industry Stocks (Banks-Regional)
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier’s check, cash management, money order, and foreign draft services, as well as automated and interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.