United Security Bancshares (UBFO) AI Stock Analysis

• Market Cap: $149.07M
• Dividend Yield: 5.63%
• Average Volume (3M): 33.83K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.56
• Revenue Growth: 0.16%
• EPS Growth: -25.67%
• Country: US
• Employees: 114
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.77
• Shares Outstanding: 17,475,927
• 10 Day Avg. Volume: 37,020
• 30 Day Avg. Volume: 33,825
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.93
• Price to Cash Flow (P/CF): 7.20
• P/FCF Ratio: 4.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

United Security Bancshares holds a solid financial foundation with low leverage and positive cash flows, though a concerning revenue drop in 2024 affects its growth outlook. Technical indicators reflect a bearish trend, though the stock's valuation and high dividend yield offer some investor appeal.

United Security Bancshares Business Overview & Revenue Model

Company Description

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 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, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.

How the Company Makes Money

United Security Bancshares makes money through interest income from loans and investments, which constitutes a significant portion of its revenue. The company offers various loan products, including commercial, real estate, agricultural, and consumer loans, earning interest from these lending activities. Additionally, the bank generates non-interest income from service charges on deposit accounts, transaction fees, and other banking services. United Security Bancshares also benefits from strategic partnerships and a strong customer base in the Central Valley, which contribute to its financial stability and growth. The bank's revenue model is further supported by effective risk management and a focus on maintaining a high-quality loan portfolio.

United Security Bancshares Financial Statement Overview

Summary

United Security Bancshares demonstrates financial stability with a strong equity position and positive cash flows; however, the major decline in 2024 revenue poses concerns about future profitability and growth.

Income Statement

The company's revenue showed a downward trend, decreasing from $53.43M in 2023 to $0 in 2024, which impacts the overall income statement score. Despite this, EBIT and net income remained positive, indicating some level of cost control or operational efficiency. The gross profit margin and revenue growth rate could not be calculated due to missing revenue data for 2024.

Balance Sheet

The company maintains a solid equity base, with a stockholders' equity of $130.36M in 2024. The debt-to-equity ratio is low, reflecting conservative financial leverage. The equity ratio improved over the years, suggesting strong financial health and stability. The return on equity for 2024 cannot be calculated due to missing net income data.

Cash Flow

Operating cash flow decreased significantly from 2023 to 2024, affecting the cash flow score. However, the company managed to maintain a positive free cash flow in both years. The free cash flow to net income ratio could not be calculated for 2024 due to missing net income data.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
48.60M	53.43M	47.81M	38.95M	36.73M
	Gross Profit
48.60M	53.43M	47.81M	38.95M	36.73M
	EBIT
24.21M	27.48M	25.86M	13.31M	12.41M
	EBITDA
0.00	29.58M	23.99M	14.46M	13.22M
	Net Income Common Stockholders
14.78M	19.80M	15.69M	10.10M	8.96M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
213.59M	219.59M	246.14M	398.12M	376.41M
	Total Assets
1.21B	1.21B	1.30B	1.33B	1.09B
	Total Debt
14.73M	74.65M	12.98M	13.89M	13.89M
	Net Debt
-41.48M	33.87M	-25.62M	-205.32M	-280.18M
	Total Liabilities
1.08B	1.09B	1.19B	13.89M	974.85M
	Stockholders Equity
130.36M	122.54M	112.46M	120.21M	117.81M
Cash Flow		Free Cash Flow
7.99M	20.59M	21.56M	15.30M	12.66M
	Operating Cash Flow
7.99M	21.38M	23.70M	16.55M	13.80M
	Investing Cash Flow
0.00	87.58M	-174.23M	-319.37M	-65.55M
	Financing Cash Flow
-8.31M	-106.77M	-30.09M	227.97M	126.82M

United Security Bancshares Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 8.53
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBFO, the sentiment is Neutral. The current price of 8.53 is above the 20-day moving average (MA) of 8.22, below the 50-day MA of 8.89, and below the 200-day MA of 8.67, indicating a neutral trend. The MACD of -0.20 indicates Negative momentum. The RSI at 56.39 is Neutral, neither overbought nor oversold. The STOCH value of 82.31 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UBFO.

United Security Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OVBC	77 Outperform	$183.21M	16.75	7.47%	2.26%	19.40%	-12.24%
FCAP	72 Outperform	$138.78M	11.59	10.86%	2.81%	13.72%	-6.60%
UBFO	68 Neutral	$149.07M	11.04	10.35%	5.63%	0.16%	-25.67%
UNB	65 Neutral	$148.14M	16.78	54.65%	4.41%	13.57%	-17.70%
Sector *	63 Neutral	$12.06B	9.31	8.10%	79.51%	12.80%	-4.67%
CFBK	60 Neutral	$139.91M	10.59	8.05%	1.19%	10.13%	-21.30%
SFBC	59 Neutral	$130.54M	28.32	4.54%	1.49%	11.61%	-37.10%