Stock Scorecard
Stock Summary for United Security Bancshares (CA) (UBFO) - $9.36 as of 11/19/2024 2:57:39 PM EST
Total Score
20 out of 30
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for UBFO
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UBFO
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UBFO
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UBFO
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UBFO (46 out of 90)
| Stock Price Rating (Max of 10) | 4 |
| Historical Stock Price Rating (Max of 10) | 4 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 8 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 9 |
Latest News for for UBFO
Financial Details for UBFO
Company Overview |
|
|---|---|
| Ticker | UBFO |
| Company Name | United Security Bancshares (CA) |
| Country | USA |
| Description | United Security Bancshares is the banking holding company for United Security Bank, a state-licensed bank that provides a variety of commercial banking services to the business and professional community and individuals in California. The company is headquartered in Fresno, California. |
| Sector Name | FINANCE |
| Industry Name | NATIONAL COMMERCIAL BANKS |
| Most Recent Quarter | 9/30/2024 |
| Next Earnings Date | 1/23/2025 |
Stock Price History |
|
| Last Day Price | 9.36 |
| Price 4 Years Ago | 5.62 |
| Last Day Price Updated | 11/19/2024 2:57:39 PM EST |
| Last Day Volume | 22,116 |
| Average Daily Volume | 28,093 |
| 52-Week High | 9.69 |
| 52-Week Low | 6.79 |
| Last Price to 52 Week Low | 37.85% |
Valuation Measures |
|
| Trailing PE | 9.00 |
| Industry PE | 18.95 |
| Sector PE | 21.40 |
| 5-Year Average PE | 9.66 |
| Free Cash Flow Ratio | 0.75 |
| Industry Free Cash Flow Ratio | 3.69 |
| Sector Free Cash Flow Ratio | 11.50 |
| Current Ratio Most Recent Quarter | 0.55 |
| Total Cash Per Share | 12.51 |
| Book Value Per Share Most Recent Quarter | 7.67 |
| Price to Book Ratio | 1.24 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.00 |
| Price to Sales Ratio Twelve Trailing Months | 3.12 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.27 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.50 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 17,322,800 |
| Market Capitalization | 162,141,408 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 10/7/2024 |
| Last Dividend Amount | 0.12 |
| Current Dividend Amount | 0.12 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 0.48 |
| Trailing Annual Dividend Yield | 5.13% |
| Forward Annual Dividend Rate | 0.46 |
| Forward Annual Dividend Yield | 4.90% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 5.13% |
| 5-Year Average Dividend Yield | 5.35% |
| 1-Year Dividend Growth Rate Percentage | 39.39% |
| 3-Year Dividend Growth Rate Percentage | 2.25% |
| 5-Year Dividend Growth Rate Percentage | -4.37% |
| All-Time Dividend Growth Rate Percentage | 11.40% |
| Dividend Payout Ratio | 46.15% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 0.00% |
| Annual Earnings Growth | 26.20% |
| Reported EPS 12 Trailing Months | 1.04 |
| Reported EPS Past Year | 0.71 |
| Reported EPS Prior Year | 1.15 |
| Net Income Twelve Trailing Months | 17,688,000 |
| Net Income Past Year | 19,796,000 |
| Net Income Prior Year | 15,686,000 |
| Quarterly Revenue Growth YOY | 2.00% |
| 5-Year Revenue Growth | 5.56% |
| Operating Margin Twelve Trailing Months | 0.43 |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 216,750,000 |
| Total Cash Past Year | 225,404,000 |
| Total Cash Prior Year | 249,455,000 |
| Net Cash Position Most Recent Quarter | 205,357,000 |
| Net Cash Position Past Year | 214,191,000 |
| Long Term Debt Past Year | 11,213,000 |
| Long Term Debt Prior Year | 10,883,000 |
| Total Debt Most Recent Quarter | 11,393,000 |
| Equity to Debt Ratio Past Year | 0.92 |
| Equity to Debt Ratio Most Recent Quarter | 0.92 |
| Total Stockholder Equity Past Year | 122,542,000 |
| Total Stockholder Equity Prior Year | 112,463,000 |
| Total Stockholder Equity Most Recent Quarter | 132,856,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 20,739,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.20 |
| Free Cash Flow Past Year | 20,589,000 |
| Free Cash Flow Prior Year | 21,560,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.25 |
| MACD Signal | 0.19 |
| 20-Day Bollinger Lower Band | 7.12 |
| 20-Day Bollinger Middle Band | 8.35 |
| 20-Day Bollinger Upper Band | 9.58 |
| Beta | 0.56 |
| RSI | 75.79 |
| 50-Day SMA | 6.87 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 6.78 |
System |
|
| Modified | 11/19/2024 2:58:26 PM EST |