-0.62%
-5.05%
8.48%
18.84%
19.13%
16.81%
-1.54%
AI Spotlight on UBFO
Company Description
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.
Market Data
| Last Price | 9.59 |
| Change Percentage | -0.62% |
| Open | 9.57 |
| Previous Close | 9.65 |
| Market Cap ( Millions) | 166 |
| Volume | 34486 |
| Year High | 10.49 |
| Year Low | 7.02 |
| M A 50 | 9.88 |
| M A 200 | 8.37 |
Financial Ratios
| FCF Yield | 12.99% |
| Dividend Yield | 5.01% |
| ROE | 13.96% |
| Debt / Equity | 36.63% |
| Net Debt / EBIDTA | -152.77% |
| Price To Book | 1.24 |
| Price Earnings Ratio | 9.32 |
| Price To FCF | 7.7 |
| Price To sales | 2.48 |
| EV / EBITDA | -342.65 |
News
- Jan -27 - United Security Bancshares Reports Fourth Quarter 2024 Earnings
- Dec -18 - United Security Bancshares Declares Quarterly Cash Dividend
- Oct -18 - United Security Bancshares Reports Third Quarter 2024 Earnings
- Apr -18 - United Security Bancshares Reports First Quarter 2024 Earnings
- Mar -27 - United Security Bancshares Declares Quarterly Cash Dividend
- Dec -19 - United Security Bancshares Declares Quarterly Cash Dividend
- Sep -27 - United Security Bancshares Declares Quarterly Cash Dividend
- Jul -27 - United Security Bancshares Appoints New Member to Board of Directors
- Jul -25 - United Security Bancshares Reports Second Quarter 2023 Earnings
- Jun -23 - United Security Bancshares: A 6.6% Yield From California Community Bank
- Mar -29 - United Security Bancshares Declares Quarterly Cash Dividend
- Feb -28 - United Security Bancshares Undervalued As Higher Profitability Goes Unnoticed
- Jan -26 - United Security Bancshares Reports 2022 Net Income of $15.7 Million
- Dec -21 - United Security Bancshares Declares Quarterly Cash Dividend
- Oct -19 - United Security Bancshares Reports 3rd Quarter 2022 Financial Results
- Sep -28 - United Security Bancshares Declares Quarterly Cash Dividend
- Jul -20 - United Security Bancshares Reports 2nd Quarter 2022 Financial Results
- Jun -30 - United Security Bancshares Declares Quarterly Cash Dividend
- Apr -20 - United Security Bancshares Reports 1st Quarter 2022 Financial Results
- Mar -24 - United Security Bancshares Declares Quarterly Cash Dividend
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 4.5 %
What the company do ?
United Security Bancshares' Banking and Related Activities segment provides traditional banking services, including deposit and loan products, to individuals and businesses.
Why we expect these perspectives ?
United Security Bancshares' Banking and Related Activities segment is expected to grow driven by increasing demand for traditional banking services, expansion of digital banking channels, and a strong loan portfolio. Additionally, a growing customer base and strategic partnerships will contribute to the segment's growth.
United Security Bancshares Products
| Product Range | What is it ? |
|---|---|
| Commercial Loans | United Security Bancshares offers a range of commercial loans to support businesses of all sizes, including lines of credit, term loans, and construction loans. |
| Mortgage Loans | The company offers a variety of mortgage loan options, including fixed-rate and adjustable-rate loans, government-backed loans, and jumbo loans. |
| Consumer Loans | United Security Bancshares offers personal loans, auto loans, and home equity loans to support individuals' financial needs. |
| Deposit Accounts | The company offers a range of deposit accounts, including checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). |
| Treasury Management Services | United Security Bancshares offers treasury management services, including cash management, wire transfer services, and account reconciliation. |
| Wealth Management Services | The company offers wealth management services, including investment management, trust services, and financial planning. |
United Security Bancshares's Porter Forces
Threat Of Substitutes
The threat of substitutes for United Security Bancshares is moderate due to the presence of alternative banking services and financial institutions.
Bargaining Power Of Customers
The bargaining power of customers for United Security Bancshares is low due to the lack of concentration of buyers and the availability of multiple banking options.
Bargaining Power Of Suppliers
The bargaining power of suppliers for United Security Bancshares is low due to the availability of multiple suppliers and the lack of concentration of suppliers.
Threat Of New Entrants
The threat of new entrants for United Security Bancshares is high due to the relatively low barriers to entry and the attractiveness of the banking industry.
Intensity Of Rivalry
The intensity of rivalry for United Security Bancshares is high due to the high level of competition in the banking industry and the presence of multiple established players.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 37.59% |
| Debt Cost | 6.84% |
| Equity Weight | 62.41% |
| Equity Cost | 6.84% |
| WACC | 6.84% |
| Leverage | 60.22% |
United Security Bancshares : Quality Control
United Security Bancshares passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CPF | Central Pacific Financial Corp. operates as the holding company for Central Pacific Bank that provides commercial banking products and services to businesses, professionals, and individuals in the United States. It … |
| HOPE | Hope Bancorp, Inc. operates as the bank holding company for Bank of Hope that provides banking services for small and medium-sized businesses, and individuals in the United States. The company … |
| FUNC | First United Corporation operates as the bank holding company for First United Bank & Trust that provides various retail and commercial banking services to businesses and individuals. The company offers … |
| BPRN | The Bank of Princeton provides various banking products and services. It accepts various deposit products, including checking, savings, attorney trust, and money market accounts, as well as certificates of deposit. … |
| STBA | S&T Bancorp, Inc. operates as the bank holding company for S&T Bank that provides retail and commercial banking products and services. The company operates through six segments: Commercial Real Estate, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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United Security Bancshares
A-Score
1-Year Total Return ->
🥈
First United
A-Score
1-Year Total Return ->
🥉
Central Pacific Financial
A-Score
1-Year Total Return ->
4
S&T Bancorp
A-Score
1-Year Total Return ->
5
Bank of Princeton
A-Score
1-Year Total Return ->
6
