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UBFO Quote, Financials, Valuation and Earnings
Last price:
$10.56
Seasonality move
:
3%
Day range:
$10.34 - $10.59
52-week range:
$7.32 - $11.52
Dividend yield:
4.62%
P/E ratio:
14.82x
P/S ratio:
2.75x
P/B ratio:
1.31x
Volume:
19.1K
Avg. volume:
25.5K
1-year change:
6.35%
Market cap:
$182.7M
Revenue:
$65.5M
EPS (TTM):
$0.70
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
UBFO
United Security Bancshares (California)
|
-- | -- | -- | -- | -- |
|
ABCB
Ameris Bancorp
|
$310.5M | $1.58 | -16.01% | 22.33% | $90.07 |
|
AROW
Arrow Financial Corp.
|
$43.3M | $0.80 | -24.75% | 108.72% | $34.50 |
|
ASB
Associated Banc-Corp
|
$382.3M | $0.70 | -34.19% | 16.51% | $30.20 |
|
CWBC
Community West Bancshares
|
$38.4M | $0.57 | -19.94% | 30.13% | $28.33 |
|
FSUN
FirstSun Capital Bancorp
|
$107.6M | $0.85 | -19.1% | 5.04% | $46.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
UBFO
United Security Bancshares (California)
|
$10.39 | -- | $182.7M | 14.82x | $0.12 | 4.62% | 2.75x |
|
ABCB
Ameris Bancorp
|
$77.66 | $90.07 | $5.3B | 12.94x | $0.20 | 1.03% | 3.26x |
|
AROW
Arrow Financial Corp.
|
$33.31 | $34.50 | $547.8M | 12.51x | $0.30 | 3.48% | 2.27x |
|
ASB
Associated Banc-Corp
|
$26.41 | $30.20 | $4.4B | 9.54x | $0.24 | 3.52% | 1.79x |
|
CWBC
Community West Bancshares
|
$23.23 | $28.33 | $445.2M | 11.63x | $0.12 | 2.07% | 2.26x |
|
FSUN
FirstSun Capital Bancorp
|
$36.47 | $46.00 | $1B | 10.52x | $0.00 | 0% | 1.79x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
UBFO
United Security Bancshares (California)
|
6.46% | 0.349 | 5.45% | 0.00x |
|
ABCB
Ameris Bancorp
|
15.42% | 1.202 | 14.71% | 0.00x |
|
AROW
Arrow Financial Corp.
|
6.33% | 0.526 | 5.65% | 0.00x |
|
ASB
Associated Banc-Corp
|
45.83% | 1.022 | 94.17% | 0.00x |
|
CWBC
Community West Bancshares
|
25.82% | 0.853 | 33.05% | 0.00x |
|
FSUN
FirstSun Capital Bancorp
|
3.98% | 0.684 | 4.56% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
UBFO
United Security Bancshares (California)
|
-- | $4.3M | 8.22% | 9.11% | 43.41% | $6.1M |
|
ABCB
Ameris Bancorp
|
-- | $141.1M | 9.28% | 10.52% | 59.43% | $101.2M |
|
AROW
Arrow Financial Corp.
|
-- | $16.8M | 9.8% | 10.65% | 57.62% | $14.3M |
|
ASB
Associated Banc-Corp
|
-- | $162.1M | 5.43% | 9.88% | 63.54% | $133.9M |
|
CWBC
Community West Bancshares
|
-- | $15.8M | 6.99% | 9.93% | 54.25% | $12.8M |
|
FSUN
FirstSun Capital Bancorp
|
-- | $34.2M | 7.96% | 8.93% | 46.42% | $47.6M |
United Security Bancshares (California) vs. Competitors
-
Which has Higher Returns UBFO or ABCB?
Ameris Bancorp has a net margin of 21.27% compared to United Security Bancshares (California)'s net margin of 25.37%. United Security Bancshares (California)'s return on equity of 9.11% beat Ameris Bancorp's return on equity of 10.52%.
Company Gross Margin Earnings Per Share Invested Capital UBFOUnited Security Bancshares (California)-- $0.19 $149.3M ABCBAmeris Bancorp-- $1.59 $4.8B -
What do Analysts Say About UBFO or ABCB?
United Security Bancshares (California) has a consensus price target of --, signalling downside risk potential of -57.79%. On the other hand Ameris Bancorp has an analysts' consensus of $90.07 which suggests that it could grow by 15.98%. Given that Ameris Bancorp has higher upside potential than United Security Bancshares (California), analysts believe Ameris Bancorp is more attractive than United Security Bancshares (California).
Company Buy Ratings Hold Ratings Sell Ratings UBFOUnited Security Bancshares (California)0 0 0 ABCBAmeris Bancorp2 2 0 -
Is UBFO or ABCB More Risky?
United Security Bancshares (California) has a beta of 0.346, which suggesting that the stock is 65.392% less volatile than S&P 500. In comparison Ameris Bancorp has a beta of 0.973, suggesting its less volatile than the S&P 500 by 2.676%.
-
Which is a Better Dividend Stock UBFO or ABCB?
United Security Bancshares (California) has a quarterly dividend of $0.12 per share corresponding to a yield of 4.62%. Ameris Bancorp offers a yield of 1.03% to investors and pays a quarterly dividend of $0.20 per share. United Security Bancshares (California) pays 68.57% of its earnings as a dividend. Ameris Bancorp pays out 13.34% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios UBFO or ABCB?
United Security Bancshares (California) quarterly revenues are $16.1M, which are smaller than Ameris Bancorp quarterly revenues of $427.2M. United Security Bancshares (California)'s net income of $3.4M is lower than Ameris Bancorp's net income of $108.4M. Notably, United Security Bancshares (California)'s price-to-earnings ratio is 14.82x while Ameris Bancorp's PE ratio is 12.94x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Security Bancshares (California) is 2.75x versus 3.26x for Ameris Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UBFOUnited Security Bancshares (California)2.75x 14.82x $16.1M $3.4M ABCBAmeris Bancorp3.26x 12.94x $427.2M $108.4M
-
Which has Higher Returns UBFO or AROW?
Arrow Financial Corp. has a net margin of 21.27% compared to United Security Bancshares (California)'s net margin of 22.29%. United Security Bancshares (California)'s return on equity of 9.11% beat Arrow Financial Corp.'s return on equity of 10.65%.
Company Gross Margin Earnings Per Share Invested Capital UBFOUnited Security Bancshares (California)-- $0.19 $149.3M AROWArrow Financial Corp.-- $0.85 $461M -
What do Analysts Say About UBFO or AROW?
United Security Bancshares (California) has a consensus price target of --, signalling downside risk potential of -57.79%. On the other hand Arrow Financial Corp. has an analysts' consensus of $34.50 which suggests that it could grow by 3.57%. Given that Arrow Financial Corp. has higher upside potential than United Security Bancshares (California), analysts believe Arrow Financial Corp. is more attractive than United Security Bancshares (California).
Company Buy Ratings Hold Ratings Sell Ratings UBFOUnited Security Bancshares (California)0 0 0 AROWArrow Financial Corp.0 1 0 -
Is UBFO or AROW More Risky?
United Security Bancshares (California) has a beta of 0.346, which suggesting that the stock is 65.392% less volatile than S&P 500. In comparison Arrow Financial Corp. has a beta of 0.811, suggesting its less volatile than the S&P 500 by 18.873%.
-
Which is a Better Dividend Stock UBFO or AROW?
United Security Bancshares (California) has a quarterly dividend of $0.12 per share corresponding to a yield of 4.62%. Arrow Financial Corp. offers a yield of 3.48% to investors and pays a quarterly dividend of $0.30 per share. United Security Bancshares (California) pays 68.57% of its earnings as a dividend. Arrow Financial Corp. pays out 43.02% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios UBFO or AROW?
United Security Bancshares (California) quarterly revenues are $16.1M, which are smaller than Arrow Financial Corp. quarterly revenues of $62.9M. United Security Bancshares (California)'s net income of $3.4M is lower than Arrow Financial Corp.'s net income of $14M. Notably, United Security Bancshares (California)'s price-to-earnings ratio is 14.82x while Arrow Financial Corp.'s PE ratio is 12.51x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Security Bancshares (California) is 2.75x versus 2.27x for Arrow Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UBFOUnited Security Bancshares (California)2.75x 14.82x $16.1M $3.4M AROWArrow Financial Corp.2.27x 12.51x $62.9M $14M
-
Which has Higher Returns UBFO or ASB?
Associated Banc-Corp has a net margin of 21.27% compared to United Security Bancshares (California)'s net margin of 21.83%. United Security Bancshares (California)'s return on equity of 9.11% beat Associated Banc-Corp's return on equity of 9.88%.
Company Gross Margin Earnings Per Share Invested Capital UBFOUnited Security Bancshares (California)-- $0.19 $149.3M ASBAssociated Banc-Corp-- $0.80 $9.2B -
What do Analysts Say About UBFO or ASB?
United Security Bancshares (California) has a consensus price target of --, signalling downside risk potential of -57.79%. On the other hand Associated Banc-Corp has an analysts' consensus of $30.20 which suggests that it could grow by 14.35%. Given that Associated Banc-Corp has higher upside potential than United Security Bancshares (California), analysts believe Associated Banc-Corp is more attractive than United Security Bancshares (California).
Company Buy Ratings Hold Ratings Sell Ratings UBFOUnited Security Bancshares (California)0 0 0 ASBAssociated Banc-Corp1 8 0 -
Is UBFO or ASB More Risky?
United Security Bancshares (California) has a beta of 0.346, which suggesting that the stock is 65.392% less volatile than S&P 500. In comparison Associated Banc-Corp has a beta of 0.796, suggesting its less volatile than the S&P 500 by 20.393%.
-
Which is a Better Dividend Stock UBFO or ASB?
United Security Bancshares (California) has a quarterly dividend of $0.12 per share corresponding to a yield of 4.62%. Associated Banc-Corp offers a yield of 3.52% to investors and pays a quarterly dividend of $0.24 per share. United Security Bancshares (California) pays 68.57% of its earnings as a dividend. Associated Banc-Corp pays out 33.61% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios UBFO or ASB?
United Security Bancshares (California) quarterly revenues are $16.1M, which are smaller than Associated Banc-Corp quarterly revenues of $625.3M. United Security Bancshares (California)'s net income of $3.4M is lower than Associated Banc-Corp's net income of $136.5M. Notably, United Security Bancshares (California)'s price-to-earnings ratio is 14.82x while Associated Banc-Corp's PE ratio is 9.54x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Security Bancshares (California) is 2.75x versus 1.79x for Associated Banc-Corp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UBFOUnited Security Bancshares (California)2.75x 14.82x $16.1M $3.4M ASBAssociated Banc-Corp1.79x 9.54x $625.3M $136.5M
-
Which has Higher Returns UBFO or CWBC?
Community West Bancshares has a net margin of 21.27% compared to United Security Bancshares (California)'s net margin of 22.25%. United Security Bancshares (California)'s return on equity of 9.11% beat Community West Bancshares's return on equity of 9.93%.
Company Gross Margin Earnings Per Share Invested Capital UBFOUnited Security Bancshares (California)-- $0.19 $149.3M CWBCCommunity West Bancshares-- $0.58 $552.1M -
What do Analysts Say About UBFO or CWBC?
United Security Bancshares (California) has a consensus price target of --, signalling downside risk potential of -57.79%. On the other hand Community West Bancshares has an analysts' consensus of $28.33 which suggests that it could grow by 21.97%. Given that Community West Bancshares has higher upside potential than United Security Bancshares (California), analysts believe Community West Bancshares is more attractive than United Security Bancshares (California).
Company Buy Ratings Hold Ratings Sell Ratings UBFOUnited Security Bancshares (California)0 0 0 CWBCCommunity West Bancshares2 2 0 -
Is UBFO or CWBC More Risky?
United Security Bancshares (California) has a beta of 0.346, which suggesting that the stock is 65.392% less volatile than S&P 500. In comparison Community West Bancshares has a beta of 0.915, suggesting its less volatile than the S&P 500 by 8.51%.
-
Which is a Better Dividend Stock UBFO or CWBC?
United Security Bancshares (California) has a quarterly dividend of $0.12 per share corresponding to a yield of 4.62%. Community West Bancshares offers a yield of 2.07% to investors and pays a quarterly dividend of $0.12 per share. United Security Bancshares (California) pays 68.57% of its earnings as a dividend. Community West Bancshares pays out 24% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios UBFO or CWBC?
United Security Bancshares (California) quarterly revenues are $16.1M, which are smaller than Community West Bancshares quarterly revenues of $50.2M. United Security Bancshares (California)'s net income of $3.4M is lower than Community West Bancshares's net income of $11.2M. Notably, United Security Bancshares (California)'s price-to-earnings ratio is 14.82x while Community West Bancshares's PE ratio is 11.63x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Security Bancshares (California) is 2.75x versus 2.26x for Community West Bancshares. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UBFOUnited Security Bancshares (California)2.75x 14.82x $16.1M $3.4M CWBCCommunity West Bancshares2.26x 11.63x $50.2M $11.2M
-
Which has Higher Returns UBFO or FSUN?
FirstSun Capital Bancorp has a net margin of 21.27% compared to United Security Bancshares (California)'s net margin of 16.99%. United Security Bancshares (California)'s return on equity of 9.11% beat FirstSun Capital Bancorp's return on equity of 8.93%.
Company Gross Margin Earnings Per Share Invested Capital UBFOUnited Security Bancshares (California)-- $0.19 $149.3M FSUNFirstSun Capital Bancorp-- $0.88 $1.2B -
What do Analysts Say About UBFO or FSUN?
United Security Bancshares (California) has a consensus price target of --, signalling downside risk potential of -57.79%. On the other hand FirstSun Capital Bancorp has an analysts' consensus of $46.00 which suggests that it could grow by 26.13%. Given that FirstSun Capital Bancorp has higher upside potential than United Security Bancshares (California), analysts believe FirstSun Capital Bancorp is more attractive than United Security Bancshares (California).
Company Buy Ratings Hold Ratings Sell Ratings UBFOUnited Security Bancshares (California)0 0 0 FSUNFirstSun Capital Bancorp1 0 0 -
Is UBFO or FSUN More Risky?
United Security Bancshares (California) has a beta of 0.346, which suggesting that the stock is 65.392% less volatile than S&P 500. In comparison FirstSun Capital Bancorp has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.
-
Which is a Better Dividend Stock UBFO or FSUN?
United Security Bancshares (California) has a quarterly dividend of $0.12 per share corresponding to a yield of 4.62%. FirstSun Capital Bancorp offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. United Security Bancshares (California) pays 68.57% of its earnings as a dividend. FirstSun Capital Bancorp pays out -- of its earnings as a dividend. United Security Bancshares (California)'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios UBFO or FSUN?
United Security Bancshares (California) quarterly revenues are $16.1M, which are smaller than FirstSun Capital Bancorp quarterly revenues of $146M. United Security Bancshares (California)'s net income of $3.4M is lower than FirstSun Capital Bancorp's net income of $24.8M. Notably, United Security Bancshares (California)'s price-to-earnings ratio is 14.82x while FirstSun Capital Bancorp's PE ratio is 10.52x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for United Security Bancshares (California) is 2.75x versus 1.79x for FirstSun Capital Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income UBFOUnited Security Bancshares (California)2.75x 14.82x $16.1M $3.4M FSUNFirstSun Capital Bancorp1.79x 10.52x $146M $24.8M
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