Business Description
United Security Bancshares
NAICS : 522110
SIC : 6022
ISIN : US9114601035
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Traded in other countries / regions
UBFO.USA4QR.Germany IPO Date
1999-03-03Description
United Security Bancshares operates as the holding for United Security Bank. It provides commercial banking services to the business and professional community, and individuals located in Fresno, Madera, Santa Clara, and Kern Counties. It offers checking and savings accounts, deposits, mortgage loans, credit and debit cards, safe deposit boxes, automated teller machines, wire transfers, money market accounts, mobile banking, and wealth management services. The company's primary sources of revenue are interest income from loans and investment securities.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.37 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.93 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.46 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 13.3 | |||||
| 3-Year EPS without NRI Growth Rate | 29.8 | |||||
| 3-Year FCF Growth Rate | 17.3 | |||||
| 3-Year Book Growth Rate | 1 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 65.19 | |||||
| 9-Day RSI | 61.15 | |||||
| 14-Day RSI | 58.31 | |||||
| 6-1 Month Momentum % | -7.88 | |||||
| 12-1 Month Momentum % | 7.57 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 6.39 | |||||
| Dividend Payout Ratio | 0.47 | |||||
| 3-Year Dividend Growth Rate | 2.2 | |||||
| Forward Dividend Yield % | 6.39 | |||||
| 5-Year Yield-on-Cost % | 7.46 | |||||
| 3-Year Average Share Buyback Ratio | -0.3 | |||||
| Shareholder Yield % | -73.01 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 33.52 | |||||
| FCF Margin % | 34.49 | |||||
| ROE % | 15.1 | |||||
| ROA % | 1.43 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 7.28 | |||||
| PE Ratio without NRI | 7.28 | |||||
| Shiller PE Ratio | 9.38 | |||||
| Price-to-Owner-Earnings | 7.51 | |||||
| PEG Ratio | 6.07 | |||||
| PS Ratio | 2.43 | |||||
| PB Ratio | 1.05 | |||||
| Price-to-Tangible-Book | 1.09 | |||||
| Price-to-Free-Cash-Flow | 7.02 | |||||
| Price-to-Operating-Cash-Flow | 6.61 | |||||
| EV-to-Revenue | 3.81 | |||||
| EV-to-FCF | 10.92 | |||||
| Price-to-Projected-FCF | 0.49 | |||||
| Price-to-DCF (Earnings Based) | 0.45 | |||||
| Price-to-DCF (FCF Based) | 0.44 | |||||
| Price-to-Median-PS-Value | 0.74 | |||||
| Price-to-Graham-Number | 0.59 | |||||
| FCF Yield % | 14.13 | |||||
| Forward Rate of Return (Yacktman) % | 14.03 |
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