UNITED SECURITY BANCSHARE/CA (UBFO)
US9114601035 - Common Stock
Taking everything into account, UBFO scores 3 out of 10 in our fundamental rating. UBFO was compared to 411 industry peers in the Banks industry. While UBFO is still in line with the averages on profitability rating, there are concerns on its financial health. UBFO has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally UBFO also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
UBFO had positive earnings in the past year.
UBFO had a positive operating cash flow in the past year.
In the past 5 years UBFO has always been profitable.
UBFO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 1.48%, UBFO belongs to the best of the industry, outperforming 89.05% of the companies in the same industry.
With an excellent Return On Equity value of 14.36%, UBFO belongs to the best of the industry, outperforming 88.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.48% | ||
| ROE | 14.36% | ||
| ROIC | N/A |
ROA(3y)1.2%
ROA(5y)1.2%
ROE(3y)12.83%
ROE(5y)11.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 33.48%, UBFO belongs to the top of the industry, outperforming 89.29% of the companies in the same industry.
In the last couple of years the Profit Margin of UBFO has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for UBFO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.48% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y14.55%
PM growth 5Y-0.18%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UBFO does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for UBFO has been increased compared to 1 year ago.
The number of shares outstanding for UBFO has been increased compared to 5 years ago.
The debt/assets ratio for UBFO is higher compared to a year ago.
2.2 Solvency
UBFO has a debt to FCF ratio of 6.23. This is a slightly negative value and a sign of low solvency as UBFO would need 6.23 years to pay back of all of its debts.
With a Debt to FCF ratio value of 6.23, UBFO is not doing good in the industry: 71.05% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.92 indicates that UBFO is somewhat dependend on debt financing.
UBFO has a Debt to Equity ratio of 0.92. This is amonst the worse of the industry: UBFO underperforms 84.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.92 | ||
| Debt/FCF | 6.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.67%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UBFO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.21%.
Measured over the past 5 years, UBFO shows a small growth in Earnings Per Share. The EPS has been growing by 6.85% on average per year.
The Revenue has been growing slightly by 0.35% in the past year.
Measured over the past years, UBFO shows a small growth in Revenue. The Revenue has been growing by 7.34% on average per year.
EPS 1Y (TTM)-8.21%
EPS 3Y29.68%
EPS 5Y6.85%
EPS Q2Q%-32.69%
Revenue 1Y (TTM)0.35%
Revenue growth 3Y13.7%
Revenue growth 5Y7.34%
Sales Q2Q%-11.34%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.98, which indicates a rather cheap valuation of UBFO.
88.32% of the companies in the same industry are more expensive than UBFO, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.05, UBFO is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.98 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UBFO is valued a bit cheaper than 73.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.86 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.02
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.62%, UBFO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.78, UBFO pays a better dividend. On top of this UBFO pays more dividend than 94.65% of the companies listed in the same industry.
UBFO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.62% |
5.2 History
On average, the dividend of UBFO grows each year by 10.41%, which is quite nice.
UBFO has paid a dividend for at least 10 years, which is a reliable track record.
The dividend of UBFO decreased recently.
Dividend Growth(5Y)10.41%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
45.26% of the earnings are spent on dividend by UBFO. This is a bit on the high side, but may be sustainable.
UBFO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP45.26%
EPS Next 2YN/A
EPS Next 3YN/A
UNITED SECURITY BANCSHARE/CA
NASDAQ:UBFO (5/31/2024, 7:10:58 PM)
7.26
+0.01 (+0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap125.74M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.62% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.98 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.48% | ||
| ROE | 14.36% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 33.48% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.92 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-8.21%
EPS 3Y29.68%
EPS 5Y
EPS Q2Q%
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.35%
Revenue growth 3Y13.7%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y