Logo image of UBFO

UNITED SECURITY BANCSHARE/CA (UBFO) Stock Fundamental Analysis

USA - NASDAQ:UBFO - US9114601035 - Common Stock

9.17 USD
-0.06 (-0.65%)
Last: 10/3/2025, 8:09:16 PM
9.17 USD
0 (0%)
After Hours: 10/3/2025, 8:09:16 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to UBFO. UBFO was compared to 392 industry peers in the Banks industry. UBFO has a bad profitability rating. Also its financial health evaluation is rather negative. UBFO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year UBFO was profitable.
In the past year UBFO had a positive cash flow from operations.
In the past 5 years UBFO has always been profitable.
UBFO had a positive operating cash flow in each of the past 5 years.
UBFO Yearly Net Income VS EBIT VS OCF VS FCFUBFO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

The Return On Assets of UBFO (0.92%) is comparable to the rest of the industry.
UBFO has a Return On Equity of 8.33%. This is comparable to the rest of the industry: UBFO outperforms 48.98% of its industry peers.
Industry RankSector Rank
ROA 0.92%
ROE 8.33%
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
UBFO Yearly ROA, ROE, ROICUBFO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

UBFO's Profit Margin of 21.48% is in line compared to the rest of the industry. UBFO outperforms 41.58% of its industry peers.
UBFO's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for UBFO so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.48%
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
UBFO Yearly Profit, Operating, Gross MarginsUBFO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

More info and screens

3

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.
Compared to 5 years ago, UBFO has more shares outstanding
Compared to 1 year ago, UBFO has an improved debt to assets ratio.
UBFO Yearly Shares OutstandingUBFO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
UBFO Yearly Total Debt VS Total AssetsUBFO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

The Debt to FCF ratio of UBFO is 0.57, which is an excellent value as it means it would take UBFO, only 0.57 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UBFO (0.57) is better than 80.87% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that UBFO is not too dependend on debt financing.
The Debt to Equity ratio of UBFO (0.09) is better than 72.96% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.57
Altman-Z N/A
ROIC/WACCN/A
WACC11.9%
UBFO Yearly LT Debt VS Equity VS FCFUBFO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UBFO Yearly Current Assets VS Current LiabilitesUBFO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

More info and screens

1

3. Growth

3.1 Past

UBFO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -37.12%.
UBFO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.69% yearly.
UBFO shows a decrease in Revenue. In the last year, the revenue decreased by -1.41%.
The Revenue has been growing slightly by 3.91% on average over the past years.
EPS 1Y (TTM)-37.12%
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.
UBFO Yearly Revenue VS EstimatesUBFO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.11, UBFO is valued correctly.
61.48% of the companies in the same industry are cheaper than UBFO, based on the Price/Earnings ratio.
UBFO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.86.
Industry RankSector Rank
PE 14.11
Fwd PE N/A
UBFO Price Earnings VS Forward Price EarningsUBFO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

UBFO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UBFO is cheaper than 83.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.78
EV/EBITDA N/A
UBFO Per share dataUBFO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

6

5. Dividend

5.1 Amount

UBFO has a Yearly Dividend Yield of 5.20%, which is a nice return.
Compared to an average industry Dividend Yield of 3.59, UBFO pays a better dividend. On top of this UBFO pays more dividend than 84.44% 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 2.44.
Industry RankSector Rank
Dividend Yield 5.2%

5.2 History

On average, the dividend of UBFO grows each year by 7.81%, which is quite nice.
UBFO has been paying a dividend for at least 10 years, so it has a reliable track record.
The dividend of UBFO decreased in the last 3 years.
Dividend Growth(5Y)7.81%
Div Incr Years2
Div Non Decr Years2
UBFO Yearly Dividends per shareUBFO Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

74.54% of the earnings are spent on dividend by UBFO. 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.
DP74.54%
EPS Next 2YN/A
EPS Next 3YN/A
UBFO Yearly Income VS Free CF VS DividendUBFO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
UBFO Dividend Payout.UBFO Dividend Payout, showing the Payout Ratio.UBFO Dividend Payout.PayoutRetained Earnings

More info and screens

UNITED SECURITY BANCSHARE/CA

NASDAQ:UBFO (10/3/2025, 8:09:16 PM)

After market: 9.17 0 (0%)

9.17

-0.06 (-0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16
Earnings (Next)10-15 2025-10-15
Inst Owners36.11%
Inst Owner Change0%
Ins Owners20.28%
Ins Owner Change2.77%
Market Cap160.29M
Analysts0
Price TargetN/A
Short Float %1.65%
Short Ratio9.42
Dividend
Industry RankSector Rank
Dividend Yield 5.2%
Yearly Dividend0.48
Dividend Growth(5Y)7.81%
DP74.54%
Div Incr Years2
Div Non Decr Years2
Ex-Date10-03 2025-10-03 (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 RankSector Rank
PE 14.11
Fwd PE N/A
P/S 3.08
P/FCF 7.78
P/OCF 7.42
P/B 1.19
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)0.65
EY7.09%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.18
FCFY12.85%
OCF(TTM)1.24
OCFY13.48%
SpS2.98
BVpS7.68
TBVpS7.42
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 8.33%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.48%
GM N/A
FCFM 39.59%
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 RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.57
Debt/EBITDA N/A
Cap/Depr 46.35%
Cap/Sales 1.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 184.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.9%
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)-37.12%
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-35.36%
FCF growth 3Y6.72%
FCF growth 5Y6.87%
OCF growth 1Y-35.64%
OCF growth 3Y5.86%
OCF growth 5Y6.55%