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4.15 (1y: +81%)
Market Cap 60.1 M P/E(ttm) 9.70
Enterprise Value 70.28 M P/B 0.90
UBFO- NAS (USA)
United Security Bancshares
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$4.15
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry		 vs
history
Cash to Debt 14.217
UBFO's Cash to Debt is ranked higher than
86% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. UBFO: 14.217 )
UBFO' s 10-Year Cash to Debt Range
Min: 0.24   Max: No Debt
Current: 14.22
Equity to Asset 0.107
UBFO's Equity to Asset is ranked higher than
72% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBFO: 0.107 )
UBFO' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.11
Current: 0.11
0.08
0.11
Interest Coverage No Debt
UBFO's Interest Coverage is ranked higher than
96% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. UBFO: No Debt )
UBFO' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.32
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry		 vs
history
Operating margin (%) 26.00
UBFO's Operating margin (%) is ranked higher than
71% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.80 vs. UBFO: 26.00 )
UBFO' s 10-Year Operating margin (%) Range
Min: -39.3   Max: 50.7
Current: 26
-39.3
50.7
Net-margin (%) 20.8
UBFO's Net-margin (%) is ranked higher than
75% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.70 vs. UBFO: 20.8 )
UBFO' s 10-Year Net-margin (%) Range
Min: -33.9   Max: 31.6
Current: 20.8
-33.9
31.6
ROE (%) 8.7
UBFO's ROE (%) is ranked higher than
79% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. UBFO: 8.7 )
UBFO' s 10-Year ROE (%) Range
Min: -17.4   Max: 20.2
Current: 8.7
-17.4
20.2
ROA (%) 0.9
UBFO's ROA (%) is ranked higher than
80% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. UBFO: 0.9 )
UBFO' s 10-Year ROA (%) Range
Min: -1.7   Max: 2
Current: 0.9
-1.7
2
Revenue Growth (%) -4.2
UBFO's Revenue Growth (%) is ranked lower than
58% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UBFO: -4.2 )
UBFO' s 10-Year Revenue Growth (%) Range
Min: -7.1   Max: 11.8
Current: -4.2
-7.1
11.8
ยป UBFO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q1 2012

UBFO Guru Trades in Q1 2012

Jim Simons 26,909 sh (+4.68%)
» More
Q2 2012

UBFO Guru Trades in Q2 2012

Jim Simons 27,376 sh (+0.73%)
» More
Q3 2012

UBFO Guru Trades in Q3 2012

Jim Simons Sold Out
» More
Q1 2013

UBFO Guru Trades in Q1 2013

Jim Simons 31,617 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with UBFO



No Insider Trades Found!
ยป Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 9.70
UBFO's P/E(ttm) is ranked higher than
80% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.60 vs. UBFO: 9.70 )
UBFO' s 10-Year P/E(ttm) Range
Min: 5.74   Max: 64.42
Current: 9.7
5.74
64.42
P/B 0.90
UBFO's P/B is ranked higher than
72% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. UBFO: 0.90 )
UBFO' s 10-Year P/B Range
Min: 0.41   Max: 4.64
Current: 0.9
0.41
4.64
P/S 2.10
UBFO's P/S is ranked higher than
71% of the 1433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.33 vs. UBFO: 2.10 )
UBFO' s 10-Year P/S Range
Min: 0.88   Max: 7.49
Current: 2.1
0.88
7.49
PFCF 8.60
UBFO's PFCF is ranked higher than
54% of the 1087 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.38 vs. UBFO: 8.60 )
UBFO' s 10-Year PFCF Range
Min: 2.53   Max: 21.67
Current: 8.6
2.53
21.67
EV-to-EBIT 9
UBFO's EV-to-EBIT is ranked higher than
86% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.26 vs. UBFO: 9 )
UBFO' s 10-Year EV-to-EBIT Range
Min: 0.6   Max: 57.6
Current: 9
0.6
57.6
Shiller P/E 131.6
UBFO's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. UBFO: 131.6 )
UBFO' s 10-Year Shiller P/E Range
Min: 3.69   Max: 146.87
Current: 131.6
3.69
146.87

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 0.9
UBFO's Price/Tangible Book is ranked higher than
73% of the 1191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. UBFO: 0.9 )
UBFO' s 10-Year Price/Tangible Book Range
Min: 0.5   Max: 4.4
Current: 0.9
0.5
4.4
Price/DCF (Projected) 0.4
UBFO's Price/DCF (Projected) is ranked higher than
92% of the 679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. UBFO: 0.4 )
UBFO' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.2
Current: 0.4
0.2
1.2
Price/Median PS Value 0.5
UBFO's Price/Median PS Value is ranked higher than
94% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UBFO: 0.5 )
UBFO' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.5
Current: 0.5
0.2
1.5
Price/Graham Number 0.6
UBFO's Price/Graham Number is ranked higher than
77% of the 1094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBFO: 0.6 )
UBFO' s 10-Year Price/Graham Number Range
Min: 0.4   Max: 2
Current: 0.6
0.4
2
Earnings Yield (Greenblatt) 11.10
UBFO's Earnings Yield (Greenblatt) is ranked higher than
91% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.10 vs. UBFO: 11.10 )
UBFO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 174.5
Current: 11.1
1.7
174.5
Forward Rate of Return (Yacktman) 15.34
UBFO's Forward Rate of Return (Yacktman) is ranked higher than
84% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UBFO: 15.34 )
UBFO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.9   Max: 44
Current: 15.34
2.9
44

Business Description

United Security Bancshares is a bank holding company, incorporated in the state of California in March of 2001 for the purpose of acquiring all the capital stock of the Bank through a holding company reorganization of the United Security Bank. The Bank is a California state-chartered bank headquartered in Fresno, California. It is also a member of the Federal Reserve System ("Fed member"). It operates eleven branches and one construction lending office in an area from eastern Madera County to western Fresno County, as well as Taft and Bakersfield in Kern County, and Campbell in Santa Clara County. It also operates one financial services department located in Fresno, California. It engaged in lending activities, including real estate mortgage, commercial and industrial, real estate construction, agricultural and consumer loans, with particular emphasis on short and medium term obligations. It offers a range of deposit instruments which includes personal and business checking accounts and savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts and time certificates of deposit. Most of the Bank's deposits are attracted from individuals and from small and medium-sized business-related sources. The Bank also offers a range of specialized services designed to attract and service the needs of commercial customers and account holders, these services include online banking, safe deposit boxes, ATM services, payroll direct deposit, cashier's checks, traveler's checks, money orders, and foreign drafts. In addition, the Bank offers a variety of specialized financial services, including wealth management, employee benefit, insurance and loan products, as well as consulting services for a variety of clients. The Company competes for loans and deposits with other commercial banks, savings and loan associations, finance companies, money market funds, credit unions and other financial institutions. The Company is a bank holding company within the meaning of the Bank Holding Company Act of 1956, as amended, and is registered as such with the FRB.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for UBFO

Headlines

Articles On GuruFocus.com
United Security Bancshares (UBFO) CEO Dennis R Woods buys 1,000 Shares Dec 02 2010 
United Security Bancshares (UBFO) CEO Dennis R Woods buys 1,000 Shares Nov 22 2010 
United Security Bancshares Reports Operating Results (10-Q) Nov 15 2010 
United Security Bancshares (UBFO) CEO Dennis R Woods buys 1,100 Shares Oct 28 2010 
United Security Bancshares Reports Operating Results (10-Q) Aug 16 2010 
United Security Bancshares (UBFO) CFO Richard B Shupe buys 1,000 Shares Aug 06 2010 
United Security Bancshares (UBFO) CEO Dennis R Woods buys 1,000 Shares Jul 28 2010 
United Security Bancshares (UBFO) CEO Dennis R Woods buys 1,000 Shares Jun 10 2010 
United Security Bancshares (UBFO) CEO Dennis R Woods buys 1,000 Shares May 26 2010 
United Security Bancshares Reports Operating Results (10-Q) May 10 2010 

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