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XNASUBFO
Market cap172mUSD
Jan 17, Last price  
9.96USD
1D
0.71%
1Q
13.18%
Jan 2017
29.81%
Name

United Security Bancshares

Chart & Performance

D1W1MN
XNAS:UBFO chart
P/E
8.72
P/S
3.23
EPS
1.14
Div Yield, %
4.56%
Shrs. gr., 5y
0.22%
Rev. gr., 5y
6.80%
Revenues
53m
+11.76%
29,183,00035,520,00042,212,00046,247,00038,552,00034,653,00033,840,00031,853,00029,196,00025,072,00028,636,00030,852,00033,019,00036,244,00038,454,00042,511,00036,725,00038,948,00047,807,00053,430,000
Net income
20m
+26.20%
8,405,00011,008,00013,360,00011,257,0004,070,000-4,537,000-2,890,000-10,812,0006,069,0007,269,0006,216,0006,810,0007,385,0008,640,00014,017,00015,172,0008,961,00010,098,00015,686,00019,796,000
CFO
21m
-9.81%
9,600,00013,999,00016,161,00018,972,00012,585,00013,365,0009,603,0005,767,0009,711,00011,903,0009,002,0009,264,0009,458,0007,555,00011,124,00014,301,00013,800,00016,550,00023,700,00021,376,000
Dividend
Oct 07, 20240.12 USD/sh
Earnings
Jan 23, 2025

Profile

United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.
URL
https://investors.unitedsecuritybank.com/corporate-information/corporate-profile/default.aspx
IPO date
Mar 27, 1996
Employees
117
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
53,430
11.76%
47,807
22.75%
Cost of revenue
13,595
12,285
Unusual Expense (Income)
NOPBT
39,835
35,522
NOPBT Margin
74.56%
74.30%
Operating Taxes
7,680
6,373
Tax Rate
19.28%
17.94%
NOPAT
32,155
29,149
Net income
19,796
26.20%
15,686
55.34%
Dividends
(7,870)
(7,496)
Dividend yield
5.46%
6.01%
Proceeds from repurchase of equity
106
BB yield
-0.07%
Debt
Debt current
62,000
2,093
Long-term debt
14,087
15,069
Deferred revenue
(3,114)
Other long-term liabilities
1,012,416
1,171,661
Net debt
(331,326)
(439,838)
Cash flow
Cash from operating activities
21,376
23,700
CAPEX
(787)
(2,140)
Cash from investing activities
87,583
(174,233)
Cash from financing activities
(106,770)
(30,091)
FCF
28,526
34,925
Balance
Cash
219,593
246,140
Long term investments
187,820
210,860
Excess cash
404,742
454,610
Stockholders' equity
122,542
112,463
Invested Capital
1,087,066
1,183,616
ROIC
2.83%
2.44%
ROCE
3.29%
2.73%
EV
Common stock shares outstanding
17,125
17,062
Price
8.41
15.05%
7.31
-9.98%
Market cap
144,023
15.48%
124,722
-9.81%
EV
(187,303)
(315,116)
EBITDA
41,940
36,231
EV/EBITDA
Interest
11,056
3,195
Interest/NOPBT
27.75%
8.99%