United Security Bancshares
General ticker "UBFO" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $158.0M (TTM average)
United Security Bancshares follows the US Stock Market performance with the rate: 44.0%.
Estimated limits based on current volatility of 0.8%: low 9.95$, high 10.11$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-10-03, amount 0.12$ (Y4.79%)
- Total employees count: 117 as of 2022
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Loan collection difficulties, Real estate market risks, Liquidity and credit risks, Construction risks
- Price in estimated range
- Earnings for 9 months up through Q3 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [8.49$, 11.17$]
- 2025-12-31 to 2026-12-31 estimated range: [8.75$, 11.73$]
Financial Metrics affecting the UBFO estimates:
- Positive: with PPE of 11.8 at the end of fiscal year the price was very low
- Positive: Operating profit margin, % of 31.04 > 18.64
- Negative: Shareholder equity ratio, % of 10.76 <= 18.93
- Positive: 6.82 < Operating cash flow per share per price, % of 11.29
- Positive: Industry operating profit margin (median), % of 19.98 > 9.92
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Negative: Return on assets ratio (scaled to [-100,100]) of 1.21 <= 1.87
- Positive: Inventory ratio change, % of 0 <= 0
Short-term UBFO quotes
Long-term UBFO plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $51.00MM | $65.95MM | $65.46MM |
| Operating Expenses | $28.94MM | $38.47MM | $45.14MM |
| Operating Income | $22.06MM | $27.48MM | $20.32MM |
| Interest Expense | $3.19MM | $11.06MM | $13.90MM |
| Income(Loss) | $22.06MM | $27.48MM | $20.32MM |
| Taxes | $6.37MM | $7.68MM | $5.54MM |
| Profit(Loss)* | $15.69MM | $19.80MM | $14.78MM |
| Stockholders Equity | $112.46MM | $122.54MM | $130.36MM |
| Assets | $1,299.19MM | $1,211.05MM | $1,211.72MM |
| Operating Cash Flow | $23.70MM | $21.38MM | $19.64MM |
| Capital expenditure | $2.14MM | $0.79MM | $1.04MM |
| Investing Cash Flow | $-174.23MM | $87.58MM | $12.95MM |
| Financing Cash Flow | $-30.09MM | $-106.77MM | $-17.16MM |
| Earnings Per Share** | $0.92 | $1.16 | $0.86 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.