UNITED SECURITY BANCSHARE/CA (UBFO) Stock Fundamental Analysis

NASDAQ:UBFO • US9114601035

10.36 USD
-0.4 (-3.72%)
Last: Feb 27, 2026, 12:20 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to UBFO. UBFO was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of UBFO have multiple concerns. UBFO has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

3

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

  • Looking at the Return On Assets, with a value of 0.92%, UBFO is in line with its industry, outperforming 51.98% of the companies in the same industry.
  • UBFO has a Return On Equity of 8.28%. This is comparable to the rest of the industry: UBFO outperforms 44.59% 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

  • UBFO's Profit Margin of 21.76% is on the low side compared to the rest of the industry. UBFO is outperformed by 61.48% of its industry peers.
  • UBFO's Profit Margin has been stable in the last couple of years.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
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

  • The Debt to FCF ratio of UBFO is 0.42, which is an excellent value as it means it would take UBFO, only 0.42 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.42, UBFO belongs to the best of the industry, outperforming 82.32% of the companies in the same industry.
  • A Debt/Equity ratio of 0.07 indicates that UBFO is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.07, UBFO is in the better half of the industry, outperforming 76.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.07
Debt/FCF 0.42
Altman-Z N/A
ROIC/WACCN/A
WACC11.44%
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. Growth

3.1 Past

  • The earnings per share for UBFO have decreased strongly by -17.30% in the last year.
  • UBFO shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.10% yearly.
  • Looking at the last year, UBFO shows a small growth in Revenue. The Revenue has grown by 4.44% in the last year.
  • Measured over the past years, UBFO shows a small growth in Revenue. The Revenue has been growing by 7.60% on average per year.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 14.59, the valuation of UBFO can be described as correct.
  • Based on the Price/Earnings ratio, UBFO is valued a bit more expensive than the industry average as 69.39% of the companies are valued more cheaply.
  • UBFO is valuated rather cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.59
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 a bit cheaper than the industry average as 78.10% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.44
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)2.39
EPS Next 2YN/A
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.38%, UBFO is a good candidate for dividend investing.
  • UBFO's Dividend Yield is rather good when compared to the industry average which is at 2.74. UBFO pays more dividend than 85.49% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, UBFO pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.38%

5.2 History

  • The dividend of UBFO is nicely growing with an annual growth rate of 7.81%!
  • 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

  • 73.42% of the earnings are spent on dividend by UBFO. This is not a sustainable payout ratio.
  • The dividend of UBFO is growing, but the earnings are growing slower. 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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UNITED SECURITY BANCSHARE/CA

NASDAQ:UBFO (2/27/2026, 12:20:38 PM)

10.36

-0.4 (-3.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners35.86%
Inst Owner Change5.15%
Ins Owners20.73%
Ins Owner Change3.43%
Market Cap182.13M
Revenue(TTM)53.85M
Net Income(TTM)11.37M
Analysts0
Price TargetN/A
Short Float %0.88%
Short Ratio2.89
Dividend
Industry RankSector Rank
Dividend Yield 4.38%
Yearly Dividend0.48
Dividend Growth(5Y)7.81%
DP73.42%
Div Incr Years2
Div Non Decr Years2
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 14.59
Fwd PE N/A
P/S 3.49
P/FCF 8.44
P/OCF 7.81
P/B 1.33
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)0.71
EY6.85%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.23
FCFY11.85%
OCF(TTM)1.33
OCFY12.81%
SpS2.97
BVpS7.81
TBVpS7.56
PEG (NY)N/A
PEG (5Y)2.39
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
WACC11.44%
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 FAQ

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

ChartMill assigns a fundamental rating of 3 / 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.


What is the profitability of UBFO stock?

UNITED SECURITY BANCSHARE/CA (UBFO) has a profitability rating of 3 / 10.


Can you provide the financial health for UBFO stock?

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


Can you provide the dividend sustainability for UBFO stock?

The dividend rating of UNITED SECURITY BANCSHARE/CA (UBFO) is 6 / 10 and the dividend payout ratio is 73.42%.