UNITED SECURITY BANCSHARE/CA (UBFO)

US9114601035 - Common Stock

7.61  +0.08 (+1.06%)

Fundamental Rating

3

UBFO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 415 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 it does not seem to be growing. Finally UBFO also has an excellent dividend rating.



4

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 4 of the past 5 years.

1.2 Ratios

The Return On Assets of UBFO (1.55%) is better than 90.12% of its industry peers.
UBFO has a Return On Equity of 17.17%. This is amongst the best in the industry. UBFO outperforms 93.25% of its industry peers.
Industry RankSector Rank
ROA 1.55%
ROE 17.17%
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

UBFO's Profit Margin of 36.23% is amongst the best of the industry. UBFO outperforms 89.64% of its industry peers.
UBFO's Profit Margin has been stable 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) 36.23%
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

0

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.
Compared to 1 year ago, UBFO has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of UBFO is 6.90, which is on the high side as it means it would take UBFO, 6.90 years of fcf income to pay off all of its debts.
UBFO's Debt to FCF ratio of 6.90 is on the low side compared to the rest of the industry. UBFO is outperformed by 73.01% of its industry peers.
A Debt/Equity ratio of 1.33 is on the high side and indicates that UBFO has dependencies on debt financing.
With a Debt to Equity ratio value of 1.33, UBFO is not doing good in the industry: 87.23% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.33
Debt/FCF 6.9
Altman-Z N/A
ROIC/WACCN/A
WACC9.83%

2.3 Liquidity

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

3

3. Growth

3.1 Past

UBFO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.75%, which is quite impressive.
UBFO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.85% yearly.
Looking at the last year, UBFO shows a very strong growth in Revenue. The Revenue has grown by 23.73%.
UBFO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.34% yearly.
EPS 1Y (TTM)43.75%
EPS 3Y29.68%
EPS 5Y6.85%
EPS growth Q2Q-15.38%
Revenue 1Y (TTM)23.73%
Revenue growth 3Y13.7%
Revenue growth 5Y7.34%
Revenue growth Q2Q-8.31%

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

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.62, the valuation of UBFO can be described as very cheap.
UBFO's Price/Earnings ratio is rather cheap when compared to the industry. UBFO is cheaper than 90.36% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.42, UBFO is valued rather cheaply.
Industry RankSector Rank
PE 6.62
Fwd PE N/A

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of UBFO indicates a rather cheap valuation: UBFO is cheaper than 81.69% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.9
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.97
EPS Next 2YN/A
EPS Next 3YN/A

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.37%, UBFO is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.70, UBFO pays a better dividend. On top of this UBFO pays more dividend than 94.22% 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 2.34.
Industry RankSector Rank
Dividend Yield 6.37%

5.2 History

The dividend of UBFO is nicely growing with an annual growth rate of 20.97%!
UBFO has paid a dividend for at least 10 years, which is a reliable track record.
UBFO has decreased its dividend recently.
Dividend Growth(5Y)20.97%
Div Incr Years1
Div Non Decr Years1

5.3 Sustainability

39.87% of the earnings are spent on dividend by UBFO. This is a low number and sustainable payout ratio.
The dividend of UBFO is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.87%
EPS Next 2YN/A
EPS Next 3YN/A

UNITED SECURITY BANCSHARE/CA

NASDAQ:UBFO (3/28/2024, 11:01:47 AM)

7.61

+0.08 (+1.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap130.66M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.37%
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)
Max EPS beat(4)
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)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
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 RankSector Rank
PE 6.62
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)0.97
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 17.17%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 36.23%
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 RankSector Rank
Debt/Equity 1.33
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)
Growth
EPS 1Y (TTM)43.75%
EPS 3Y29.68%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)23.73%
Revenue growth 3Y13.7%
Revenue growth 5Y
Revenue growth 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