UNITED SECURITY BANCSHARES
Datakwaliteit: 83%
UBFO
Nasdaq
Financial Services
Depository Institutions
€ 10,51
€ 0,00
(0,00%)
Marktkapitalisatie: 185,03 M
Prijs
€ 10,51
Marktkapitalisatie
185,03 M
Dagbereik
€ 10,31 — € 10,71
52-Weeksbereik
€ 7,32 — € 11,52
Volume
263.975
Openen € 10,40
50D / 200D Gem.
€ 10,60
0,84% below
50D / 200D Gem.
€ 9,65
8,87% above
Quick Summary
Belangrijkste Punten
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
Groei
Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-16,88%
FCF Growth (3Y)-2,00%
Kwaliteit
Return on Equity
9,05%
Onder sectorgemiddelde (9,24%)
ROICN/A
Net MarginN/A
Op. MarginN/A
Veiligheid
Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A
Waardering
PE (TTM)
15,06
Boven sectorgemiddelde (11,15)
P/B Ratio1,35
EV/EBITDAN/A
Dividend YieldN/A
Koershistorie
Financiële Trends
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)
Sectorvergelijking
vs Financial Services sector mediaan (2153 peers)| Metriek | Aandeel | Sector Mediaan |
|---|---|---|
| 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 |
All Fundamental Metrics
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
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
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 | — | — | — | — | — |
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