UBFO Fundamental Analysis - UNITED SECURITY BANCSHARE/CA

Fundamental Rating

Overall UBFO gets a fundamental rating of 3 out of 10. We evaluated UBFO against 393 industry peers in the Banks industry. UBFO has a medium profitability rating, but doesn't score so well on its financial health evaluation. UBFO has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year UBFO was profitable.

UBFO had a positive operating cash flow in the past year.

UBFO had positive earnings in each of the past 5 years.

UBFO had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 1.12%, UBFO is doing good in the industry, outperforming 74.05% of the companies in the same industry.

UBFO's Return On Equity of 10.01% is fine compared to the rest of the industry. UBFO outperforms 66.41% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.12%
ROE	10.01%
ROIC	N/A

ROA(3y)1.35%

ROA(5y)1.13%

ROE(3y)13.81%

ROE(5y)11.49%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of UBFO (25.36%) is better than 61.07% of its industry peers.

In the last couple of years the Profit Margin of UBFO has declined.

UBFO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.36%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.48%

PM growth 5Y-4.26%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

UBFO does not have a ROIC to compare to the WACC, probably because it is not profitable.

UBFO has more shares outstanding than it did 1 year ago.

The number of shares outstanding for UBFO has been increased compared to 5 years ago.

Compared to 1 year ago, UBFO has an improved debt to assets ratio.

2.2 Solvency

UBFO has a debt to FCF ratio of 1.34. This is a very positive value and a sign of high solvency as it would only need 1.34 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.34, UBFO is in the better half of the industry, outperforming 65.39% of the companies in the same industry.

UBFO has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.

UBFO has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.34
Altman-Z	N/A

ROIC/WACCN/A

WACC12.12%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UBFO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.88%.

UBFO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.69% yearly.

The Revenue has decreased by -1.41% in the past year.

UBFO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.91% yearly.

EPS 1Y (TTM)-36.88%

EPS 3Y13.36%

EPS 5Y-0.69%

EPS Q2Q%-49.72%

Revenue 1Y (TTM)-1.41%

Revenue growth 3Y9.72%

Revenue growth 5Y3.91%

Sales Q2Q%-3.21%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.51 indicates a correct valuation of UBFO.

UBFO's Price/Earnings ratio is a bit more expensive when compared to the industry. UBFO is more expensive than 62.34% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.51, UBFO is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	13.51
Fwd PE	N/A

4.2 Price Multiples

UBFO's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	10.58
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.59%, UBFO is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.54, UBFO pays a better dividend. On top of this UBFO pays more dividend than 87.79% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, UBFO pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.59%

5.2 History

On average, the dividend of UBFO grows each year by 7.81%, which is quite nice.

UBFO has paid a dividend for at least 10 years, which is a reliable track record.

UBFO has decreased its dividend in the last 3 years.

Dividend Growth(5Y)7.81%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

UBFO pays out 62.54% of its income as dividend. This is not a sustainable payout ratio.

The Dividend Rate of UBFO has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP62.54%

EPS Next 2YN/A

EPS Next 3YN/A

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UNITED SECURITY BANCSHARE/CA

NASDAQ:UBFO (8/8/2025, 8:10:14 PM)

After market: 8.78 0 (0%)

8.78

+0.19 (+2.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-16 2025-07-16

Earnings (Next)10-16 2025-10-16

Inst Owners26.36%

Inst Owner Change29.1%

Ins Owners20.28%

Ins Owner Change0.14%

Market Cap153.47M

Analysts0

Price TargetN/A

Short Float %2.13%

Short Ratio4.73

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.59%

Yearly Dividend0.48

Dividend Growth(5Y)7.81%

DP62.54%

Div Incr Years2

Div Non Decr Years2

Ex-Date07-07 2025-07-07 (0.12)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	13.51
Fwd PE	N/A
P/S	2.93
P/FCF	10.58
P/OCF	10.09
P/B	1.16
P/tB	1.2
EV/EBITDA	N/A

EPS(TTM)0.65

EY7.4%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0.83

FCFY9.45%

OCF(TTM)0.87

OCFY9.91%

SpS3

BVpS7.6

TBVpS7.34

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.12%
ROE	10.01%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.36%
GM	N/A
FCFM	27.64%

ROA(3y)1.35%

ROA(5y)1.13%

ROE(3y)13.81%

ROE(5y)11.49%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y3.48%

PM growth 5Y-4.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.15
Debt/FCF	1.34
Debt/EBITDA	N/A
Cap/Depr	30.12%
Cap/Sales	1.34%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	108.99%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC12.12%

ROIC/WACCN/A

Cap/Depr(3y)82.88%

Cap/Depr(5y)83.63%

Cap/Sales(3y)2.64%

Cap/Sales(5y)2.83%

Profit Quality(3y)122.4%

Profit Quality(5y)132%

High Growth Momentum

Growth

EPS 1Y (TTM)-36.88%

EPS 3Y13.36%

EPS 5Y-0.69%

EPS Q2Q%-49.72%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.41%

Revenue growth 3Y9.72%

Revenue growth 5Y3.91%

Sales Q2Q%-3.21%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-49.69%

FCF growth 3Y6.72%

FCF growth 5Y6.87%

OCF growth 1Y-50.58%

OCF growth 3Y5.86%

OCF growth 5Y6.55%

UNITED SECURITY BANCSHARE/CA (UBFO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens