United Security Bancshares (UBFO) Stock Price, News & Analysis

Company Overview

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 development, 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, and foreign draft services, as well as interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.

Key Stats

• Today's Range: $10.00 to $10.26
• 50-Day Range: $8.52 to $10.31
• 52-Week Range: $7.02 to $10.49
• Volume: 39,004 shs
• Average Volume: 20,895 shs
• Market Capitalization: $177.73 million
• P/E Ratio: 10.06
• Dividend Yield: 4.68%
• Price Target: N/A
• Consensus Rating: N/A

United Security Bancshares Stock Analysis - MarketRank™

United Security Bancshares scored higher than 77% of companies evaluated by MarketBeat, and ranked 367th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for United Security Bancshares.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Security Bancshares is 10.06, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 113.45.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Security Bancshares is 10.06, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 27.95.

Price to Book Value per Share Ratio

United Security Bancshares has a P/B Ratio of 1.43. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.13% of the float of United Security Bancshares has been sold short.

Short Interest Ratio / Days to Cover

United Security Bancshares has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Security Bancshares has recently decreased by 30.45%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

United Security Bancshares is a leading dividend payer. It pays a dividend yield of 4.68%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

United Security Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Security Bancshares is 47.06%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.13% of the float of United Security Bancshares has been sold short.

Short Interest Ratio / Days to Cover

United Security Bancshares has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in United Security Bancshares has recently decreased by 30.45%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 0.87

News Sentiment

United Security Bancshares has a news sentiment score of 0.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for United Security Bancshares this week, compared to 1 article on an average week.

MarketBeat Follows

1 people have added United Security Bancshares to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, United Security Bancshares insiders have sold 226.98% more of their company's stock than they have bought. Specifically, they have bought $14,401.00 in company stock and sold $47,088.00 in company stock.

Percentage Held by Insiders

20.10% of the stock of United Security Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 30.88% of the stock of United Security Bancshares is held by institutions.

UBFO Stock Analysis - Frequently Asked Questions

How have UBFO shares performed this year?

United Security Bancshares' stock was trading at $8.41 on January 1st, 2024. Since then, UBFO shares have increased by 22.0% and is now trading at $10.26.
View the best growth stocks for 2024 here.

How were United Security Bancshares' earnings last quarter?

United Security Bancshares (NASDAQ:UBFO) released its quarterly earnings results on Friday, October, 18th. The financial services provider reported $0.22 earnings per share (EPS) for the quarter. The financial services provider had revenue of $13.84 million for the quarter. United Security Bancshares had a trailing twelve-month return on equity of 13.96% and a net margin of 25.78%.

Who are United Security Bancshares' major shareholders?

United Security Bancshares' top institutional shareholders include Banc Funds Co. LLC (3.31%), Fourthstone LLC (0.99%), Geode Capital Management LLC (0.84%) and Private Wealth Advisors LLC (0.48%). Insiders that own company stock include Jagroop Gill, Dennis R Woods, G Thompson Ellithorpe, William M Yarbenet, Robert C Oberg Jr, Brian Tkacz, Benjamin Mackovak, Heather Hammack, Thomas G Walker and Kenneth D Newby.
View institutional ownership trends.

How do I buy shares of United Security Bancshares?

Shares of UBFO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of United Security Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Security Bancshares investors own include NVIDIA (NVDA), Broadcom (AVGO), Jabil (JBL), Arista Networks (ANET), e.l.f. Beauty (ELF), Disc Medicine (IRON) and Adobe (ADBE).

Company Calendar

• Ex-Dividend for 10/23 Dividend: 10/07/2024
• Last Earnings: 10/18/2024
• Dividend Payable: 10/23/2024
• Today: 12/21/2024
• Fiscal Year End: 12/31/2024
• Ex-Dividend for 1/17 Dividend: 1/02/2025
• Dividend Payable: 1/17/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UBFO
• CUSIP: N/A
• CIK: 1137547
• Web: www.unitedsecuritybank.com
• Phone: (559) 248-4943
• Fax: 559-248-5088
• Employees: 120
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $1.02
• Trailing P/E Ratio: 10.06
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $19.80 million
• Net Margins: 25.78%
• Pretax Margin: 35.34%
• Return on Equity: 13.96%
• Return on Assets: 1.45%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 0.92
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $54.53 million
• Price / Sales: 3.26
• Cash Flow: $1.29 per share
• Price / Cash Flow: 7.96
• Book Value: $7.15 per share
• Price / Book: 1.43

Miscellaneous

• Outstanding Shares: 17,323,000
• Free Float: 13,841,000
• Market Cap: $177.73 million
• Optionable: Optionable
• Beta: 0.61