UNITED SECURITY BANCSHARE/CA(NASDAQ:UBFO) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, UBFO scores 3 out of 10 in our fundamental rating. UBFO was compared to 395 industry peers in the Banks industry. UBFO has a medium profitability rating, but doesn't score so well on its financial health evaluation. UBFO has a expensive valuation and it also scores bad on growth. Finally UBFO also has an excellent dividend rating.

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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 each of the past 5 years.

1.2 Ratios

The Return On Assets of UBFO (1.22%) is better than 79.24% of its industry peers.

UBFO has a better Return On Equity (11.34%) than 78.99% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.22%
ROE	11.34%
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 28.67%, UBFO is in the better half of the industry, outperforming 77.72% of the companies in the same industry.

In the last couple of years the Profit Margin of UBFO has declined.

UBFO does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.67%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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 an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of UBFO is 0.62, which is an excellent value as it means it would take UBFO, only 0.62 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of UBFO (0.62) is better than 80.51% of its industry peers.

UBFO has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.

UBFO has a Debt to Equity ratio of 0.09. This is in the better half of the industry: UBFO outperforms 74.43% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.62
Altman-Z	N/A

ROIC/WACCN/A

WACC12.17%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

UBFO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.50%.

The Earnings Per Share has been decreasing by -0.69% on average over the past years.

Looking at the last year, UBFO shows a decrease in Revenue. The Revenue has decreased by -1.50% in the last year.

The Revenue has been growing slightly by 3.91% on average over the past years.

EPS 1Y (TTM)-25.5%

EPS 3Y13.36%

EPS 5Y-0.69%

EPS Q2Q%-35.86%

Revenue 1Y (TTM)-1.5%

Revenue growth 3Y9.72%

Revenue growth 5Y3.91%

Sales Q2Q%6.96%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.81 indicates a reasonable valuation of UBFO.

UBFO's Price/Earnings ratio is in line with the industry average.

UBFO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.85.

		Industry Rank	Sector Rank
PE	11.81
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 somewhat cheap valuation: UBFO is cheaper than 77.47% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.54
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

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5. Dividend

5.1 Amount

UBFO has a Yearly Dividend Yield of 5.25%, which is a nice return.

UBFO's Dividend Yield is rather good when compared to the industry average which is at 3.42. UBFO pays more dividend than 89.11% of the companies in the same industry.

UBFO's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	5.25%

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.

UBFO has decreased its dividend in the last 3 years.

Dividend Growth(5Y)7.81%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

UBFO pays out 56.19% of its income as dividend. This is a bit on the high side, but may be sustainable.

UBFO's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP56.19%

EPS Next 2YN/A

EPS Next 3YN/A

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UNITED SECURITY BANCSHARE/CA

NASDAQ:UBFO (5/14/2025, 8:06:03 PM)

After market: 8.98 -0.11 (-1.21%)

9.09

+0.01 (+0.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-16 2025-04-16

Earnings (Next)07-16 2025-07-16

Inst Owners32.49%

Inst Owner Change0.71%

Ins Owners21.24%

Ins Owner Change3.03%

Market Cap158.89M

Analysts0

Price TargetN/A

Short Float %0.48%

Short Ratio2.2

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.25%

Yearly Dividend0.48

Dividend Growth(5Y)7.81%

DP56.19%

Div Incr Years2

Div Non Decr Years2

Ex-Date04-07 2025-04-07 (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 Rank	Sector Rank
PE	11.81
Fwd PE	N/A
P/S	3.08
P/FCF	8.54
P/OCF	8.09
P/B	1.22
P/tB	1.26
EV/EBITDA	N/A

EPS(TTM)0.77

EY8.47%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.06

FCFY11.7%

OCF(TTM)1.12

OCFY12.36%

SpS2.95

BVpS7.46

TBVpS7.2

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	1.22%
ROE	11.34%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.67%
GM	N/A
FCFM	36.06%

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 Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.62
Debt/EBITDA	N/A
Cap/Depr	49.13%
Cap/Sales	2.01%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	125.79%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC12.17%

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)-25.5%

EPS 3Y13.36%

EPS 5Y-0.69%

EPS Q2Q%-35.86%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.5%

Revenue growth 3Y9.72%

Revenue growth 5Y3.91%

Sales Q2Q%6.96%

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-9.68%

FCF growth 3Y6.72%

FCF growth 5Y6.87%

OCF growth 1Y-8.14%

OCF growth 3Y5.86%

OCF growth 5Y6.55%

UNITED SECURITY BANCSHARE/CA (UBFO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens