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UNITED SECURITY BANCSHARES

Data quality: 83%
UBFO
Nasdaq Financial Services Depository Institutions
$10.51
$0.00 (0.00%)
Mkt Cap: 185.03 M
Price
$10.51
Mkt Cap
185.03 M
Day Range
$10.31 — $10.71
52-Week Range
$7.32 — $11.52
Volume
263,975
Open $10.40
50D / 200D Avg
$10.60
0.84% below
50D / 200D Avg
$9.65
8.87% above

Quick Summary

Key Takeaways

Earnings declined -16.88% over the past year
Generating 19.78 M in free cash flow
Cash machine — converts 160.93% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-16.88%
FCF Growth (3Y)-2.00%

Quality

Return on Equity
9.05%
Below sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
15.06
Above sector avg (11.14)
P/B Ratio1.35
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E 15.1 11.1
P/B 1.4 1.2
ROE % 9.1 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42010 N/A -$0.24 —
Q32010 N/A $0.02 —
Q22010 N/A $0.03 —
Q12010 N/A $0.03 —

ETFs Holding This Stock

BRSIX BRSIX
0.30% weight
BOSVX BOSVX
0.04% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.03% weight
GISMX GISMX
0.02% weight
GSMRX GSMRX
0.02% weight
GMSMX GMSMX
0.02% weight
FLQS FLQS
0.01% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.00% weight
AVCNX AVCNX
0.00% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -16.88% Earnings Growth (3Y) -21.21%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 5.03%
Profitability
Revenue (TTM) N/A Net Income (TTM) 12.29 M
ROE 9.05% ROA 1.00%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 19.78 M
ROIC N/A FCF Growth (3Y) -2.00%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 132.89 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 15.06 Forward P/E N/A
P/B Ratio 1.35 P/S Ratio N/A
PEG Ratio 2.99 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 10.69%
Market Cap 185.03 M Enterprise Value 118.26 M
Per Share
EPS (Diluted TTM) 0.70 Revenue / Share N/A
FCF / Share 1.12 OCF / Share 1.25
EPS CAGR (1Y) -18.60% EPS CAGR (5Y) 4.37%
EPS CAGR (10Y) 5.29%
Efficiency
CapEx / Revenue N/A FCF Conversion 160.93%
SBC-Adj. FCF 19.01 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 12.29 M 14.78 M 19.80 M 15.69 M 10.10 M
EPS (Diluted) 0.70 0.86 1.16 0.92 0.59
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 48.77 M 46.85 M 11.06 M 3.20 M 2.08 M
Income Tax 4.41 M 5.54 M 7.68 M 6.37 M 3.22 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 1.25 B 1.21 B 1.21 B 1.30 B 1.33 B
Total Liabilities 1.11 B 1.08 B 1.09 B 1.19 B 1.21 B
Shareholders' Equity 139.68 M 130.36 M 122.54 M 112.46 M 120.21 M
Total Debt — — — — —
Cash & Equivalents 120.96 M — — — —
Current Assets — — — — —
Current Liabilities — — — — —