10.03 USD
-0.14 (-1.38%)
10.03 USD
0 (0%)
Overall UBFO gets a fundamental rating of 3 out of 10. We evaluated UBFO against 387 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.
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.
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 Return On Assets value of 0.92%, UBFO perfoms like the industry average, outperforming 52.20% of the companies in the same industry.
UBFO's Return On Equity of 8.28% is in line compared to the rest of the industry. UBFO outperforms 43.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 8.28% | ||
| 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
Looking at the Profit Margin, with a value of 21.76%, UBFO is doing worse than 60.47% of the companies in the same industry.
In the last couple of years the Profit Margin of UBFO has declined.
The Operating Margin and Gross Margin are not available for UBFO so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.76% | ||
| 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
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.
Compared to 5 years ago, UBFO has more shares outstanding
The debt/assets ratio for UBFO has been reduced compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 0.42, UBFO belongs to the top of the industry, outperforming 81.91% of the companies in the same industry.
A Debt/Equity ratio of 0.07 indicates that UBFO is not too dependend on debt financing.
UBFO has a better Debt to Equity ratio (0.07) than 77.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.07 | ||
| Debt/FCF | 0.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
UBFO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.15%.
Measured over the past years, UBFO shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.69% on average per year.
Looking at the last year, UBFO shows a decrease in Revenue. The Revenue has decreased by -4.30% in the last year.
Measured over the past years, UBFO shows a small growth in Revenue. The Revenue has been growing by 3.91% on average per year.
EPS 1Y (TTM)-36.15%
EPS 3Y13.36%
EPS 5Y-0.69%
EPS Q2Q%4.55%
Revenue 1Y (TTM)-4.3%
Revenue growth 3Y9.72%
Revenue growth 5Y3.91%
Sales Q2Q%1.46%
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. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.20, the valuation of UBFO can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of UBFO indicates a slightly more expensive valuation: UBFO is more expensive than 67.44% of the companies listed in the same industry.
UBFO's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.2 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UBFO is valued a bit cheaper than the industry average as 78.29% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.17 | ||
| 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
5. Dividend
5.1 Amount
UBFO has a Yearly Dividend Yield of 4.77%, which is a nice return.
Compared to an average industry Dividend Yield of 2.78, UBFO pays a better dividend. On top of this UBFO pays more dividend than 88.89% 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 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
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
5.3 Sustainability
73.42% 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.
DP73.42%
EPS Next 2YN/A
EPS Next 3YN/A
10.03
-0.14 (-1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.86%
Inst Owner Change0%
Ins Owners20.73%
Ins Owner Change3.15%
Market Cap176.33M
Revenue(TTM)52.24M
Net Income(TTM)11.37M
Analysts0
Price TargetN/A
Short Float %1.21%
Short Ratio4.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.77% |
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.2 | ||
| Fwd PE | N/A | ||
| P/S | 3.38 | ||
| P/FCF | 8.17 | ||
| P/OCF | 7.56 | ||
| P/B | 1.28 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.66
EY6.58%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.23
FCFY12.24%
OCF(TTM)1.33
OCFY13.23%
SpS2.97
BVpS7.81
TBVpS7.56
PEG (NY)N/A
PEG (5Y)N/A
Graham Number10.77
Profitability
| Industry Rank | Sector 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)1.35%
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
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 3Y3.48%
PM growth 5Y-4.26%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector 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)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)-36.15%
EPS 3Y13.36%
EPS 5Y-0.69%
EPS Q2Q%4.55%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.3%
Revenue growth 3Y9.72%
Revenue growth 5Y3.91%
Sales Q2Q%1.46%
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-2.6%
FCF growth 3Y6.72%
FCF growth 5Y6.87%
OCF growth 1Y-0.03%
OCF growth 3Y5.86%
OCF growth 5Y6.55%
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%.