NASDAQ: UBFOUnited Security Bancshares Stock
$8.01+0.08 (+1.01%)
Updated Apr 21, 2025
UBFO Price
$8.01
Fair Value Price
$15.28
Market Cap
$138.22M
52 Week Low
$7.02
52 Week High
$10.49
P/E
9.31x
P/B
1.06x
P/S
3.57x
PEG
N/A
Dividend Yield
4.49%
Revenue
$48.60M
Earnings
$14.78M
Gross Margin
100%
Operating Margin
41.81%
Profit Margin
30.4%
Debt to Equity
8.3
Operating Cash Flow
$20M
Beta
0.55
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
UBFO Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine UBFO's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
UBFO
Ranked#123 of 296
Ranked#123 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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UBFO News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how UBFO scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
UBFO ($8.01) is undervalued by 47.57% relative to our estimate of its Fair Value price of $15.28 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
UBFO ($8.01) is significantly undervalued by 47.57% relative to our estimate of its Fair Value price of $15.28 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
UBFO was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more UBFO due diligence checks available for Premium users.
Valuation
UBFO fair value
Fair Value of UBFO stock based on Discounted Cash Flow (DCF)
Price
$8.01
Fair Value
$15.28
Undervalued by
47.57%
UBFO ($8.01) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
UBFO ($8.01) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
UBFO was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
UBFO price to earnings (PE)
For valuing profitable companies with steady earnings
Company
9.31x
Industry
13.07x
Market
27.14x
UBFO is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UBFO is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
UBFO price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.06x
Industry
1.07x
UBFO is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
UBFO's financial health
Profit margin
Revenue
$10.7M
Net Income
$2.5M
Profit Margin
23.3%
UBFO's Earnings (EBIT) of $20.32M... subscribe to Premium to read more.
Interest Coverage Financials
UBFO's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.2B
Liabilities
$1.1B
Debt to equity
8.3
UBFO's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
UBFO's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$4.5M
Investing
$47.2M
Financing
-$43.5M
UBFO's operating cash flow ($19.64M)... subscribe to Premium to read more.
Debt Coverage Financials
UBFO vs Bank Stocks
United Security Bancshares Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.