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Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
60
UBFO Quote, Financials, Valuation and Earnings
Last price:
$10.22
Seasonality move
:
-0.46%
Day range:
$10.20 - $10.31
52-week range:
$7.32 - $10.53
Dividend yield:
4.71%
P/E ratio:
15.55x
P/S ratio:
2.69x
P/B ratio:
1.30x
Volume:
13.9K
Avg. volume:
45.8K
1-year change:
0.49%
Market cap:
$179.3M
Revenue:
$66.1M
EPS (TTM):
$0.66
Analysts' Opinion
-
Consensus RatingNo consensus rating exists at this time due to lack of analyst coverage.
-
Price Target DownsideNo price target exists because of limited analyst coverage.
-
Price Target UpsideSimilarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.
Fair Value
-
According to the consensus of 0 analysts, United Security Bancshares (California) has -57.01% downside to fair value with a price target of -- per share.
UBFO vs. S&P 500
-
Over the past 5 trading days, United Security Bancshares (California) has underperformed the S&P 500 by -3.84% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
United Security Bancshares (California) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
United Security Bancshares (California) has grown year-over-year revenues for 1 quarter straight. In the most recent quarter United Security Bancshares (California) reported revenues of $17M.
Earnings Growth
-
United Security Bancshares (California) has grown year-over-year earnings for 1 quarter straight. In the most recent quarter United Security Bancshares (California) reported earnings per share of $0.23.
Enterprise value:
191.1M
EV / Invested capital:
1.28x
Price / LTM sales:
2.69x
EV / EBIT:
6.73x
EV / Revenue:
2.91x
PEG ratio (5yr expected):
--
EV / Free cash flow:
8.90x
Price / Operating cash flow:
8.23x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.93%
Net Income Margin (TTM):
17.3%
Return On Equity:
8.51%
Return On Invested Capital:
7.29%
Operating Margin:
33.27%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $63.8M | $67.1M | $65.7M | $16.9M | $17M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $27.8M | $24.2M | $15.7M | $5.1M | $5.7M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $1.15 | $1.03 | $0.66 | $0.22 | $0.23 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $272.3M | $139.1M | $48M | $60.8M | $82.1M | |
| Total Assets | $1.3B | $1.4B | $1.3B | $1.3B | $1.2B | |
| Current Liabilities | $971.2M | $1B | $938.1M | $904.7M | $883M | |
| Total Liabilities | $1.2B | $1.3B | $1.2B | $1.1B | $1.1B | |
| Total Equity | $119.1M | $107.1M | $115M | $132.9M | $137.4M | |
| Total Debt | $13.4M | $12.4M | $11.9M | $13.9M | $11.7M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $23.3M | $21.8M | $23.2M | $5.4M | $7M | |
| Cash From Investing | $4.8M | $29.5M | $30.1M | -$23.5M | -$4.4M | |
| Cash From Financing | -$118.9M | -$38.7M | -$34.5M | $27.3M | $15.1M | |
| Free Cash Flow | $22.2M | $20.7M | $21.5M | $5.3M | $6.1M | |
UBFO
Sector
Market Cap
$179.3M
$570M
Price % of 52-Week High
96.87%
92.18%
Dividend Yield
4.71%
1.57%
Shareholder Yield
13.21%
3.12%
1-Year Price Total Return
0.49%
7.87%
Beta (5-Year)
0.357
0.478
Dividend yield:
4.71%
Annualized payout:
$0.48
Payout ratio:
52.17%
Growth streak:
2 years
Technicals
8-day SMA
Sell
Level
$10.32
200-day SMA
Buy
Level
$9.05
Bollinger Bands (100)
Buy
Level
8.94 - 9.92
Chaikin Money Flow
Sell
Level
-130.8K
20-day SMA
Buy
Level
$10.11
Relative Strength Index (RSI14)
Buy
Level
58.55
ADX Line
Sell
Level
17.48
Williams %R
Neutral
Level
-51.5625
50-day SMA
Buy
Level
$9.64
MACD (12, 26)
Buy
Level
2.54
25-day Aroon Oscillator
Buy
Level
84
On Balance Volume
Sell
Level
-401.8K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.4459)
Sell
CA Score
(Annual)
Level (-2.1352)
--
Beneish M-Score
(Annual)
Level (--)
Buy
Momentum Score
Level (6)
Sell
Ohlson Score
Level (4.9493)
Buy
Piotroski F Score
(Annual)
Level (7)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)
Revenue Forecast
Earnings per Share Forecast
Company Profile
United Security Bancshares (California) is a holding company, which engages in the provision of commercial banking services. Its portfolio consists of commercial and industrial, government program, commercial real estate, residential mortgages, home improvement and home equity, real estate construction and development, agricultural, and installment and student loans. It offers checking and savings accounts, deposits, mortgage loans, credit and debit cards, safe deposit boxes, automated teller machines, wire transfers, money market accounts, mobile banking, and wealth management services. The company was founded in 1987 and is headquartered in Fresno, CA.
Stock Forecast FAQ
In the current month, UBFO has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The UBFO average analyst price target in the past 3 months is --.
-
Where Will United Security Bancshares (California) Stock Be In 1 Year?
According to analysts, the consensus estimate is that United Security Bancshares (California) share price will drop to -- per share over the next 12 months.
-
What Do Analysts Say About United Security Bancshares (California)?
Analysts are divided on their view about United Security Bancshares (California) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that United Security Bancshares (California) is a Sell and believe this share price will rise from its current level to --.
-
What Is United Security Bancshares (California)'s Price Target?
The price target for United Security Bancshares (California) over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.
-
Is UBFO A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for United Security Bancshares (California) is a --. 0 of 0 analysts rate the stock a -- at this time.
-
How Can I Buy Shares Of UBFO?
You can purchase shares of United Security Bancshares (California) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase United Security Bancshares (California) shares.
-
What Is The United Security Bancshares (California) Share Price Today?
United Security Bancshares (California) was last trading at $10.22 per share. This represents the most recent stock quote for United Security Bancshares (California). Yesterday, United Security Bancshares (California) closed at $10.20 per share.
-
How To Buy United Security Bancshares (California) Stock Online?
In order to purchase United Security Bancshares (California) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
UBFO
Sector
P/E ratio
15.55x
12.24x
PEG ratio
--
0.31x
P/B ratio
1.30x
1.11x
Price / LTM sales
2.69x
1.84x
Growth Metrics
UBFO
Sector
Revenue growth
0.84%
5.54%
Earnings growth
3.37%
14.85%
Revenue (5-year growth)
7.63%
8.84%
Earnings forecast
--
$0.62
Profitability
UBFO
Sector
Profitability FY 2024
--
--
Return on invested capital
7.29%
5.01%
Return on assets
0.93%
1.01%
Return on equity
8.51%
9.68%
Earnings Date
Last Earnings Date
Oct
16
Next Earnings Date
Jan
29
Estimated Next Earnings Date
Jan
15
Balance Sheet
UBFO
Sector
Total cash
$196.1M
$431.4M
Short term investments
$157.4M
$211.3M
Total assets
$1.2B
$3.1B
Long term debt
$11.7M
$79M
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