Financhill
Buy
69

UBFO Quote, Financials, Valuation and Earnings

Last price:
$11.25
Seasonality move :
-0.39%
Day range:
$11.39 - $11.52
52-week range:
$7.32 - $11.52
Dividend yield:
4.21%
P/E ratio:
16.27x
P/S ratio:
3.02x
P/B ratio:
1.44x
Volume:
23K
Avg. volume:
31.9K
1-year change:
17.87%
Market cap:
$200.6M
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% 19.01% $88.83
AROW
Arrow Financial Corp.
$43.3M $0.80 -24.75% 108.72% $34.50
BK
The Bank of New York Mellon Corp.
$5.1B $1.98 -47.17% 20.03% $132.60
CWBC
Community West Bancshares
$38.4M $0.57 -19.94% 30.7% $27.50
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)
$11.41 -- $200.6M 16.27x $0.12 4.21% 3.02x
ABCB
Ameris Bancorp
$85.94 $88.83 $5.8B 14.31x $0.20 0.93% 3.62x
AROW
Arrow Financial Corp.
$36.05 $34.50 $592.9M 13.54x $0.29 3.16% 2.45x
BK
The Bank of New York Mellon Corp.
$124.32 $132.60 $85.6B 16.78x $0.53 1.66% 2.20x
CWBC
Community West Bancshares
$25.41 $27.50 $486.9M 12.72x $0.12 1.89% 2.47x
FSUN
FirstSun Capital Bancorp
$40.33 $46.00 $1.1B 11.63x $0.00 0% 1.98x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
UBFO
United Security Bancshares (California)
6.46% 0.244 5.45% 0.00x
ABCB
Ameris Bancorp
14.52% 1.152 13.7% 0.00x
AROW
Arrow Financial Corp.
6.33% 0.449 5.65% 0.00x
BK
The Bank of New York Mellon Corp.
54.6% 1.028 62.53% 0.00x
CWBC
Community West Bancshares
25.82% 0.802 33.05% 0.00x
FSUN
FirstSun Capital Bancorp
3.98% 0.658 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 9.31% 10.52% 60.46% $100.5M
AROW
Arrow Financial Corp.
-- $16.8M 9.8% 10.65% 57.62% $14.3M
BK
The Bank of New York Mellon Corp.
-- $1.8B 5% 12.74% 67.35% -$1.5B
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 25.81%. 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
    UBFO
    United Security Bancshares (California)
    -- $0.19 $149.3M
    ABCB
    Ameris 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 -61.57%. On the other hand Ameris Bancorp has an analysts' consensus of $88.83 which suggests that it could grow by 3.37%. 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
    UBFO
    United Security Bancshares (California)
    0 0 0
    ABCB
    Ameris Bancorp
    1 2 0
  • Is UBFO or ABCB More Risky?

    United Security Bancshares (California) has a beta of 0.349, which suggesting that the stock is 65.074% less volatile than S&P 500. In comparison Ameris Bancorp has a beta of 0.993, suggesting its less volatile than the S&P 500 by 0.697%.

  • 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 4.21%. Ameris Bancorp offers a yield of 0.93% 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 13.33% 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 $419.9M. 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 16.27x while Ameris Bancorp's PE ratio is 14.31x. 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 3.02x versus 3.62x for Ameris Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UBFO
    United Security Bancshares (California)
    3.02x 16.27x $16.1M $3.4M
    ABCB
    Ameris Bancorp
    3.62x 14.31x $419.9M $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
    UBFO
    United Security Bancshares (California)
    -- $0.19 $149.3M
    AROW
    Arrow 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 -61.57%. On the other hand Arrow Financial Corp. has an analysts' consensus of $34.50 which suggests that it could fall by -4.3%. Given that United Security Bancshares (California) has more downside risk than Arrow Financial Corp., analysts believe Arrow Financial Corp. is more attractive than United Security Bancshares (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    UBFO
    United Security Bancshares (California)
    0 0 0
    AROW
    Arrow Financial Corp.
    0 1 0
  • Is UBFO or AROW More Risky?

    United Security Bancshares (California) has a beta of 0.349, which suggesting that the stock is 65.074% less volatile than S&P 500. In comparison Arrow Financial Corp. has a beta of 0.820, suggesting its less volatile than the S&P 500 by 18.047%.

  • 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 4.21%. Arrow Financial Corp. offers a yield of 3.16% to investors and pays a quarterly dividend of $0.29 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 16.27x while Arrow Financial Corp.'s PE ratio is 13.54x. 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 3.02x versus 2.45x 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
    UBFO
    United Security Bancshares (California)
    3.02x 16.27x $16.1M $3.4M
    AROW
    Arrow Financial Corp.
    2.45x 13.54x $62.9M $14M
  • Which has Higher Returns UBFO or BK?

    The Bank of New York Mellon Corp. has a net margin of 21.27% compared to United Security Bancshares (California)'s net margin of 14.54%. United Security Bancshares (California)'s return on equity of 9.11% beat The Bank of New York Mellon Corp.'s return on equity of 12.74%.

    Company Gross Margin Earnings Per Share Invested Capital
    UBFO
    United Security Bancshares (California)
    -- $0.19 $149.3M
    BK
    The Bank of New York Mellon Corp.
    -- $2.02 $98.1B
  • What do Analysts Say About UBFO or BK?

    United Security Bancshares (California) has a consensus price target of --, signalling downside risk potential of -61.57%. On the other hand The Bank of New York Mellon Corp. has an analysts' consensus of $132.60 which suggests that it could grow by 6.66%. Given that The Bank of New York Mellon Corp. has higher upside potential than United Security Bancshares (California), analysts believe The Bank of New York Mellon Corp. is more attractive than United Security Bancshares (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    UBFO
    United Security Bancshares (California)
    0 0 0
    BK
    The Bank of New York Mellon Corp.
    7 5 0
  • Is UBFO or BK More Risky?

    United Security Bancshares (California) has a beta of 0.349, which suggesting that the stock is 65.074% less volatile than S&P 500. In comparison The Bank of New York Mellon Corp. has a beta of 1.104, suggesting its more volatile than the S&P 500 by 10.375%.

  • Which is a Better Dividend Stock UBFO or BK?

    United Security Bancshares (California) has a quarterly dividend of $0.12 per share corresponding to a yield of 4.21%. The Bank of New York Mellon Corp. offers a yield of 1.66% to investors and pays a quarterly dividend of $0.53 per share. United Security Bancshares (California) pays 68.57% of its earnings as a dividend. The Bank of New York Mellon Corp. pays out 27.03% 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 BK?

    United Security Bancshares (California) quarterly revenues are $16.1M, which are smaller than The Bank of New York Mellon Corp. quarterly revenues of $10.1B. United Security Bancshares (California)'s net income of $3.4M is lower than The Bank of New York Mellon Corp.'s net income of $1.5B. Notably, United Security Bancshares (California)'s price-to-earnings ratio is 16.27x while The Bank of New York Mellon Corp.'s PE ratio is 16.78x. 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 3.02x versus 2.20x for The Bank of New York Mellon Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    UBFO
    United Security Bancshares (California)
    3.02x 16.27x $16.1M $3.4M
    BK
    The Bank of New York Mellon Corp.
    2.20x 16.78x $10.1B $1.5B
  • 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
    UBFO
    United Security Bancshares (California)
    -- $0.19 $149.3M
    CWBC
    Community 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 -61.57%. On the other hand Community West Bancshares has an analysts' consensus of $27.50 which suggests that it could grow by 8.23%. 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
    UBFO
    United Security Bancshares (California)
    0 0 0
    CWBC
    Community West Bancshares
    1 2 0
  • Is UBFO or CWBC More Risky?

    United Security Bancshares (California) has a beta of 0.349, which suggesting that the stock is 65.074% less volatile than S&P 500. In comparison Community West Bancshares has a beta of 0.930, suggesting its less volatile than the S&P 500 by 7.044%.

  • 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 4.21%. Community West Bancshares offers a yield of 1.89% 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 16.27x while Community West Bancshares's PE ratio is 12.72x. 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 3.02x versus 2.47x 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
    UBFO
    United Security Bancshares (California)
    3.02x 16.27x $16.1M $3.4M
    CWBC
    Community West Bancshares
    2.47x 12.72x $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
    UBFO
    United Security Bancshares (California)
    -- $0.19 $149.3M
    FSUN
    FirstSun 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 -61.57%. On the other hand FirstSun Capital Bancorp has an analysts' consensus of $46.00 which suggests that it could grow by 14.06%. 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
    UBFO
    United Security Bancshares (California)
    0 0 0
    FSUN
    FirstSun Capital Bancorp
    1 0 0
  • Is UBFO or FSUN More Risky?

    United Security Bancshares (California) has a beta of 0.349, which suggesting that the stock is 65.074% 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 4.21%. 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 16.27x while FirstSun Capital Bancorp'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 3.02x versus 1.98x 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
    UBFO
    United Security Bancshares (California)
    3.02x 16.27x $16.1M $3.4M
    FSUN
    FirstSun Capital Bancorp
    1.98x 11.63x $146M $24.8M

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