UNITED SECURITY BANCSHARE/CA (UBFO) Fundamental Analysis & Valuation

NASDAQ:UBFO • US9114601035

Current stock price

10.51 USD
+0.2 (+1.94%)
At close:
10.51 USD
0 (0%)
After Hours:

This UBFO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. UBFO Profitability Analysis

1.1 Basic Checks

  • In the past year UBFO was profitable.
  • 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 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

1.2 Ratios

  • UBFO has a Return On Assets of 0.92%. This is comparable to the rest of the industry: UBFO outperforms 45.00% of its industry peers.
  • UBFO has a Return On Equity of 8.28%. This is in the lower half of the industry: UBFO underperforms 61.32% of its industry peers.
Industry RankSector Rank
ROA 0.92%
ROE 8.28%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.16%
ROE(3y)12.1%
ROE(5y)11.73%
ROIC(3y)N/A
ROIC(5y)N/A
UBFO Yearly ROA, ROE, ROICUBFO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 21.76%, UBFO is doing worse than 67.11% 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.
  • UBFO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.76%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.36%
PM growth 5Y-1%
GM growth 3YN/A
GM growth 5YN/A
UBFO Yearly Profit, Operating, Gross MarginsUBFO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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3

2. UBFO Health Analysis

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
UBFO Yearly Total Debt VS Total AssetsUBFO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • UBFO has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.42, UBFO belongs to the best of the industry, outperforming 82.89% of the companies in the same industry.
  • A Debt/Equity ratio of 0.07 indicates that UBFO is not too dependend on debt financing.
  • The Debt to Equity ratio of UBFO (0.07) is better than 77.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.42
Altman-Z N/A
ROIC/WACCN/A
WACC11.72%
UBFO Yearly LT Debt VS Equity VS FCFUBFO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. UBFO Growth Analysis

3.1 Past

  • UBFO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.30%.
  • Measured over the past 5 years, UBFO shows a small growth in Earnings Per Share. The EPS has been growing by 6.10% on average per year.
  • Looking at the last year, UBFO shows a small growth in Revenue. The Revenue has grown by 4.44% in the last year.
  • The Revenue has been growing slightly by 7.60% on average over the past years.
EPS 1Y (TTM)-17.3%
EPS 3Y-8.17%
EPS 5Y6.1%
EPS Q2Q%36.53%
Revenue 1Y (TTM)4.44%
Revenue growth 3Y3.98%
Revenue growth 5Y7.6%
Sales Q2Q%13.53%

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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2

4. UBFO Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.80, UBFO is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of UBFO indicates a slightly more expensive valuation: UBFO is more expensive than 71.58% of the companies listed in the same industry.
  • UBFO is valuated rather cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.8
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

  • Based on the Price/Free Cash Flow ratio, UBFO is valued cheaply inside the industry as 80.53% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.57
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)2.43
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. UBFO Dividend Analysis

5.1 Amount

  • UBFO has a Yearly Dividend Yield of 4.70%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.73, UBFO pays a better dividend. On top of this UBFO pays more dividend than 91.84% 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 1.89.
Industry RankSector Rank
Dividend Yield 4.7%

5.2 History

  • The dividend of UBFO is nicely growing with an annual growth rate of 7.81%!
  • UBFO has paid a dividend for at least 10 years, which is a reliable track record.
  • UBFO has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)7.81%
Div Incr Years3
Div Non Decr Years3
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

  • UBFO pays out 73.42% of its income as dividend. This is not a sustainable payout ratio.
  • UBFO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP73.42%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
UBFO Dividend Payout.UBFO Dividend Payout, showing the Payout Ratio.UBFO Dividend Payout.PayoutRetained Earnings

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UBFO Fundamentals: All Metrics, Ratios and Statistics

UNITED SECURITY BANCSHARE/CA

NASDAQ:UBFO (3/31/2026, 8:10:42 PM)

After market: 10.51 0 (0%)

10.51

+0.2 (+1.94%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners37.82%
Inst Owner Change0%
Ins Owners20.7%
Ins Owner Change-76.32%
Market Cap184.98M
Revenue(TTM)53.85M
Net Income(TTM)11.37M
Analysts0
Price TargetN/A
Short Float %0.83%
Short Ratio3.98
Dividend
Industry RankSector Rank
Dividend Yield 4.7%
Yearly Dividend0.48
Dividend Growth(5Y)7.81%
DP73.42%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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 14.8
Fwd PE N/A
P/S 3.54
P/FCF 8.57
P/OCF 7.93
P/B 1.35
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)0.71
EY6.76%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.23
FCFY11.67%
OCF(TTM)1.33
OCFY12.61%
SpS2.97
BVpS7.81
TBVpS7.55
PEG (NY)N/A
PEG (5Y)2.43
Graham Number11.17
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 8.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.76%
GM N/A
FCFM 41.32%
ROA(3y)1.28%
ROA(5y)1.16%
ROE(3y)12.1%
ROE(5y)11.73%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.36%
PM growth 5Y-1%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.42
Debt/EBITDA N/A
Cap/Depr 78.02%
Cap/Sales 3.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 189.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC11.72%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-17.3%
EPS 3Y-8.17%
EPS 5Y6.1%
EPS Q2Q%36.53%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.44%
Revenue growth 3Y3.98%
Revenue growth 5Y7.6%
Sales Q2Q%13.53%
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 1Y4.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.4%
OCF growth 3YN/A
OCF growth 5YN/A

UNITED SECURITY BANCSHARE/CA / UBFO Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for UNITED SECURITY BANCSHARE/CA?

ChartMill assigns a fundamental rating of 2 / 10 to UBFO.


What is the valuation status of UNITED SECURITY BANCSHARE/CA (UBFO) stock?

ChartMill assigns a valuation rating of 2 / 10 to UNITED SECURITY BANCSHARE/CA (UBFO). This can be considered as Overvalued.


Can you provide the profitability details for UNITED SECURITY BANCSHARE/CA?

UNITED SECURITY BANCSHARE/CA (UBFO) has a profitability rating of 2 / 10.


What is the valuation of UNITED SECURITY BANCSHARE/CA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UNITED SECURITY BANCSHARE/CA (UBFO) is 14.8 and the Price/Book (PB) ratio is 1.35.


Can you provide the financial health for UBFO stock?

The financial health rating of UNITED SECURITY BANCSHARE/CA (UBFO) is 3 / 10.