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United Security Bancshares UBFO

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Price alert · UBFO

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10.51 USD 0.00 0.00%

As of Apr 1, 9:30 AM ET

Bid
10.49 × 1
Ask
10.52 × 1
10.51 Day range 10.51

52-week range unavailable

YTD
+4.37%
1 year
+18.22%
Open
10.51
Prev close
10.51
Mkt cap
185.03M
Vol
263.98K
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
4.57%
More statistics
Low
10.51
High
10.51
Forward P/E
0.00
Beta
0.56
Short ratio
0.67
Inst. own
29.31%
Dividend
0.48
Ex-div date
Jan 1, 2025
50-d avg
9.38
200-d avg
8.08
1y target
0.00

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Financial health

Altman Z-Score

0.15 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 14.2×
FY 2016: 17.4×FY 2017: 21.6×FY 2018: 11.5×FY 2019: 11.9×FY 2020: 13.3×FY 2021: 13.8×FY 2022: 7.9×FY 2023: 7.3×FY 2024: 11.7×FY 2025: 14.2×
FY 2016 5y median 11.7× FY 2025
P/S 2.6×
FY 2016: 3.8×FY 2017: 5.0×FY 2018: 3.9×FY 2019: 3.9×FY 2020: 3.0×FY 2021: 3.4×FY 2022: 2.4×FY 2023: 2.2×FY 2024: 2.7×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
P/B 1.2×
FY 2016: 1.3×FY 2017: 1.8×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.2×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/FCF 8.8×
FY 2016: 15.3×FY 2017: 28.9×FY 2018: 15.7×FY 2019: 12.0×FY 2020: 9.5×FY 2021: 9.0×FY 2022: 5.8×FY 2023: 7.0×FY 2024: 9.3×FY 2025: 8.8×
FY 2016 5y median 8.8× FY 2025
EV/EBITDA 3.5×
FY 2016: 2.2×FY 2017: 5.6×FY 2018: -2.3×FY 2019: -1.0×FY 2020: -12.1×FY 2021: -4.6×FY 2022: 4.1×FY 2023: 6.0×FY 2024: 5.9×FY 2025: 3.5×
FY 2016 5y median 4.1× FY 2025
EV/Sales 1.0×
FY 2016: 0.9×FY 2017: 2.5×FY 2018: -1.2×FY 2019: -0.5×FY 2020: -4.0×FY 2021: -1.6×FY 2022: 1.9×FY 2023: 2.7×FY 2024: 2.0×FY 2025: 1.0×
FY 2016 5y median 1.9× FY 2025
FCF Yield 11.4%
FY 2016: 6.5%FY 2017: 3.5%FY 2018: 6.4%FY 2019: 8.4%FY 2020: 10.6%FY 2021: 11.1%FY 2022: 17.3%FY 2023: 14.3%FY 2024: 10.7%FY 2025: 11.4%
FY 2016 5y median 11.4% FY 2025

Profitability

Gross Margin 73.3%
FY 2016: 95.9%FY 2017: 95.3%FY 2018: 97.7%FY 2019: 91.7%FY 2020: 87.2%FY 2021: 89.8%FY 2022: 90.2%FY 2023: 81.0%FY 2024: 74.2%FY 2025: 73.3%
FY 2016 5y median 81.0% FY 2025
Operating Margin 25.3%
FY 2016: 36.1%FY 2017: 42.5%FY 2018: 47.1%FY 2019: 45.3%FY 2020: 31.3%FY 2021: 32.5%FY 2022: 43.3%FY 2023: 41.7%FY 2024: 31.0%FY 2025: 25.3%
FY 2016 5y median 32.5% FY 2025
Net Margin 18.6%
FY 2016: 21.7%FY 2017: 23.2%FY 2018: 34.1%FY 2019: 32.3%FY 2020: 22.6%FY 2021: 24.6%FY 2022: 30.8%FY 2023: 30.0%FY 2024: 22.6%FY 2025: 18.6%
FY 2016 5y median 24.6% FY 2025
ROE 8.8%
FY 2016: 7.6%FY 2017: 8.5%FY 2018: 12.8%FY 2019: 13.1%FY 2020: 7.6%FY 2021: 8.4%FY 2022: 13.9%FY 2023: 16.2%FY 2024: 11.3%FY 2025: 8.8%
FY 2016 5y median 11.3% FY 2025
ROIC -10.1%
FY 2016: 6.6%FY 2017: 7.4%FY 2018: 11.0%FY 2019: 11.0%FY 2020: 6.4%FY 2021: 7.1%FY 2022: 11.7%FY 2023: 9.6%FY 2024: 9.6%FY 2025: -10.1%
FY 2016 5y median 9.6% FY 2025
ROA 1.0%
FY 2016: 0.9%FY 2017: 1.1%FY 2018: 1.5%FY 2019: 1.6%FY 2020: 0.8%FY 2021: 0.8%FY 2022: 1.2%FY 2023: 1.6%FY 2024: 1.2%FY 2025: 1.0%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 0.7%
FY 2016: 5.5%FY 2017: 9.4%FY 2018: 10.7%FY 2019: 14.1%FY 2020: -15.6%FY 2021: 3.4%FY 2022: 24.3%FY 2023: 29.3%FY 2024: -0.7%FY 2025: 0.7%
FY 2016 FY 2025
Operating Income -17.8%
FY 2016: 8.4%FY 2017: 28.8%FY 2018: 22.7%FY 2019: 9.8%FY 2020: -41.6%FY 2021: 7.3%FY 2022: 65.7%FY 2023: 24.6%FY 2024: -26.0%FY 2025: -17.8%
FY 2016 FY 2025
EPS (diluted) -18.6%
FY 2016: 10.0%FY 2017: 15.9%FY 2018: 62.7%FY 2019: 7.2%FY 2020: -40.4%FY 2021: 11.3%FY 2022: 55.9%FY 2023: 26.1%FY 2024: -25.9%FY 2025: -18.6%
FY 2016 FY 2025
Free Cash Flow 6.3%
FY 2016: -1.8%FY 2017: -23.4%FY 2018: 60.6%FY 2019: 47.3%FY 2020: -16.7%FY 2021: 20.8%FY 2022: 40.9%FY 2023: -4.5%FY 2024: -9.7%FY 2025: 6.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.6×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.6×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.6×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.6×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -5.7×
FY 2016: -7.2×FY 2017: -5.4×FY 2018: -10.2×FY 2019: -9.0×FY 2020: -21.2×FY 2021: -14.2×FY 2022: -1.1×FY 2023: 1.1×FY 2024: -1.8×FY 2025: -5.7×
FY 2016 5y median -1.8× FY 2025
Interest Coverage 1.4×
FY 2016: 8.7×FY 2017: 9.1×FY 2018: 7.2×FY 2019: 5.5×FY 2020: 5.4×FY 2021: 6.4×FY 2022: 6.9×FY 2023: 2.5×FY 2024: 1.5×FY 2025: 1.4×
FY 2016 5y median 2.5× FY 2025

Dividends

Dividend Yield 4.8%
FY 2016: 0.0%FY 2017: 1.5%FY 2018: 2.9%FY 2019: 4.1%FY 2020: 6.2%FY 2021: 5.4%FY 2022: 6.0%FY 2023: 5.5%FY 2024: 4.8%FY 2025: 4.8%
FY 2016 5y median 5.4% FY 2025
Payout Ratio 68.2%
FY 2016: 0.0%FY 2017: 33.2%FY 2018: 33.8%FY 2019: 49.2%FY 2020: 83.3%FY 2021: 74.2%FY 2022: 47.8%FY 2023: 39.8%FY 2024: 56.2%FY 2025: 68.2%
FY 2016 5y median 56.2% FY 2025

Annual · latest fiscal year ends 2025-12-31