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GuruFocus Financial Strength Rank measures how strong a company’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 12.87
UBFO's Cash-to-Debt is ranked higher than
70% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. UBFO: 12.87 )
Ranked among companies with meaningful Cash-to-Debt only.
UBFO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.4  Med: 10.39 Max: N/A
Current: 12.87
Equity-to-Asset 0.12
UBFO's Equity-to-Asset is ranked higher than
68% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UBFO: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
UBFO' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.13
Current: 0.12
0.08
0.13
Interest Coverage 8.69
UBFO's Interest Coverage is ranked higher than
89% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. UBFO: 8.69 )
Ranked among companies with meaningful Interest Coverage only.
UBFO' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 4.58 Max: 8.83
Current: 8.69
0.38
8.83
Beneish M-Score: -1.83
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’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.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

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 : 5/10

vs
industry
vs
history
Operating Margin % 37.61
UBFO's Operating Margin % is ranked higher than
68% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. UBFO: 37.61 )
Ranked among companies with meaningful Operating Margin % only.
UBFO' s Operating Margin % Range Over the Past 10 Years
Min: -39.33  Med: 27.85 Max: 38.53
Current: 37.61
-39.33
38.53
Net Margin % 22.67
UBFO's Net Margin % is ranked higher than
53% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. UBFO: 22.67 )
Ranked among companies with meaningful Net Margin % only.
UBFO' s Net Margin % Range Over the Past 10 Years
Min: -33.94  Med: 21.43 Max: 28.66
Current: 22.67
-33.94
28.66
ROE % 7.91
UBFO's ROE % is ranked lower than
53% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. UBFO: 7.91 )
Ranked among companies with meaningful ROE % only.
UBFO' s ROE % Range Over the Past 10 Years
Min: -15.97  Med: 7.85 Max: 15.16
Current: 7.91
-15.97
15.16
ROA % 0.98
UBFO's ROA % is ranked higher than
59% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UBFO: 0.98 )
Ranked among companies with meaningful ROA % only.
UBFO' s ROA % Range Over the Past 10 Years
Min: -1.63  Med: 0.95 Max: 1.55
Current: 0.98
-1.63
1.55
3-Year Revenue Growth Rate 9.00
UBFO's 3-Year Revenue Growth Rate is ranked higher than
74% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. UBFO: 9.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UBFO' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.5  Med: 5.95 Max: 81.3
Current: 9
-9.5
81.3
3-Year EBITDA Growth Rate 16.00
UBFO's 3-Year EBITDA Growth Rate is ranked higher than
75% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. UBFO: 16.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UBFO' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -24.5  Med: 10.2 Max: 17.6
Current: 16
-24.5
17.6
3-Year EPS without NRI Growth Rate -0.60
UBFO's 3-Year EPS without NRI Growth Rate is ranked lower than
72% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UBFO: -0.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UBFO' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -29.5  Med: 8.95 Max: 18.7
Current: -0.6
-29.5
18.7
GuruFocus has detected 3 Warning Signs with United Security Bancshares $UBFO.
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» UBFO's 10-Y Financials

Financials (Next Earnings Date: 2017-04-14 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

UBFO Guru Trades in Q1 2016

Jim Simons 98,025 sh (+17.42%)
» More
Q2 2016

UBFO Guru Trades in Q2 2016

Jim Simons 116,725 sh (+19.08%)
» More
Q3 2016

UBFO Guru Trades in Q3 2016

Jim Simons 124,792 sh (+5.85%)
» More
Q4 2016

UBFO Guru Trades in Q4 2016

Jim Simons 160,161 sh (+25.81%)
» More
» Details

Insider Trades

Latest Guru Trades with UBFO

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:BKSC, NAS:BOCH, OTCPK:BERK, NAS:BCBP, NAS:BMRC, AMEX:BHB, NAS:BANF, NAS:BANR, NYSE:BXS, NYSE:BOH, NAS:OZRK, NYSE:BBT » details
United Security Bancshares operates as the holding for United Security Bank. It provides commercial banking services to the business and professional community, and individuals located in Fresno, Madera, and Kern Counties.

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"). The Bank is a California state-chartered bank. The Bank operates three branches (including its main office), one construction lending office, and one financial services office in Fresno and one branch each, in Oakhurst, Caruthers, San Joaquin, Firebaugh, Coalinga, Bakersfield, Taft, and Campbell. It is engaged in lending activities, including real estate mortgage, commercial and industrial, real estate construction, agricultural, lease financing and consumer loans, with particular emphasis on short and medium term obligations. It offers deposit instruments which include personal and business checking accounts and savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts and time certificates of deposit. The Bank's deposits are attracted from individuals and from small and medium-sized business-related sources. The Bank also offers 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 Internet banking services to its commercial and retail customers, and offers certain financial and wealth management services through its financial services department. The Bank also 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's primary market area is located in Fresno, Madera, and Kern Counties. 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.

Ratios

vs
industry
vs
history
PE Ratio 16.93
UBFO's PE Ratio is ranked lower than
66% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. UBFO: 16.93 )
Ranked among companies with meaningful PE Ratio only.
UBFO' s PE Ratio Range Over the Past 10 Years
Min: 6.06  Med: 14.46 Max: 75.1
Current: 16.93
6.06
75.1
PE Ratio without NRI 16.56
UBFO's PE Ratio without NRI is ranked lower than
61% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. UBFO: 16.56 )
Ranked among companies with meaningful PE Ratio without NRI only.
UBFO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.06  Med: 14.44 Max: 95.75
Current: 16.56
6.06
95.75
Price-to-Owner-Earnings 15.39
UBFO's Price-to-Owner-Earnings is ranked lower than
56% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. UBFO: 15.39 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UBFO' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.21  Med: 11.98 Max: 50.72
Current: 15.39
4.21
50.72
PB Ratio 1.29
UBFO's PB Ratio is ranked lower than
58% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBFO: 1.29 )
Ranked among companies with meaningful PB Ratio only.
UBFO' s PB Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.96 Max: 4.59
Current: 1.29
0.41
4.59
PS Ratio 3.84
UBFO's PS Ratio is ranked lower than
61% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. UBFO: 3.84 )
Ranked among companies with meaningful PS Ratio only.
UBFO' s PS Ratio Range Over the Past 10 Years
Min: 0.88  Med: 2.73 Max: 7.49
Current: 3.84
0.88
7.49
Price-to-Free-Cash-Flow 14.93
UBFO's Price-to-Free-Cash-Flow is ranked lower than
63% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. UBFO: 14.93 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UBFO' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.53  Med: 8.26 Max: 23.51
Current: 14.93
2.53
23.51
Price-to-Operating-Cash-Flow 13.26
UBFO's Price-to-Operating-Cash-Flow is ranked lower than
63% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. UBFO: 13.26 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UBFO' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.5  Med: 7.75 Max: 21.6
Current: 13.26
2.5
21.6
EV-to-EBIT 1.60
UBFO's EV-to-EBIT is ranked higher than
91% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. UBFO: 1.60 )
Ranked among companies with meaningful EV-to-EBIT only.
UBFO' s EV-to-EBIT Range Over the Past 10 Years
Min: -29.2  Med: 0.7 Max: 57.6
Current: 1.6
-29.2
57.6
EV-to-EBITDA 1.43
UBFO's EV-to-EBITDA is ranked higher than
92% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. UBFO: 1.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBFO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.8  Med: 0.6 Max: 30.2
Current: 1.43
-49.8
30.2
Shiller PE Ratio 40.86
UBFO's Shiller PE Ratio is ranked lower than
88% of the 496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.63 vs. UBFO: 40.86 )
Ranked among companies with meaningful Shiller PE Ratio only.
UBFO' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.03  Med: 14.15 Max: 45.28
Current: 40.86
5.03
45.28

Buy Back

vs
industry
vs
history
5-Year Yield-on-Cost % 0.19
UBFO's 5-Year Yield-on-Cost % is ranked lower than
100% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.27 vs. UBFO: 0.19 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UBFO' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.19  Med: 2.43 Max: 6.99
Current: 0.19
0.19
6.99
3-Year Average Share Buyback Ratio 0.30
UBFO's 3-Year Average Share Buyback Ratio is ranked higher than
79% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. UBFO: 0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UBFO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.8  Med: -0.35 Max: 0.6
Current: 0.3
-1.8
0.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.35
UBFO's Price-to-Tangible-Book is ranked lower than
55% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. UBFO: 1.35 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UBFO' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.52  Med: 2.52 Max: 4.32
Current: 1.35
0.52
4.32
Price-to-Intrinsic-Value-Projected-FCF 0.79
UBFO's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
51% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBFO: 0.79 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UBFO' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.18  Med: 0.54 Max: 1.3
Current: 0.79
0.18
1.3
Price-to-Median-PS-Value 1.40
UBFO's Price-to-Median-PS-Value is ranked lower than
74% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UBFO: 1.40 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UBFO' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.34  Med: 1.39 Max: 2.4
Current: 1.4
0.34
2.4
Price-to-Graham-Number 1.01
UBFO's Price-to-Graham-Number is ranked lower than
57% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. UBFO: 1.01 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UBFO' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.39  Med: 1.43 Max: 2.05
Current: 1.01
0.39
2.05
Earnings Yield (Greenblatt) % 62.50
UBFO's Earnings Yield (Greenblatt) % is ranked higher than
93% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. UBFO: 62.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UBFO' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.7  Med: 9.9 Max: 7282.5
Current: 62.5
1.7
7282.5
Forward Rate of Return (Yacktman) % 2.77
UBFO's Forward Rate of Return (Yacktman) % is ranked lower than
75% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. UBFO: 2.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UBFO' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 2.77  Med: 22 Max: 43.2
Current: 2.77
2.77
43.2

More Statistics

Revenue (TTM) (Mil) $32.58
EPS (TTM) $ 0.44
Beta0.17
Short Percentage of Float0.08%
52-Week Range $4.42 - 8.25
Shares Outstanding (Mil)16.71
» 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 

More From Other Websites
UNITED SECURITY BANCSHARES Financials Mar 09 2017
UNITED SECURITY BANCSHARES Files SEC form 10-K, Annual Report Mar 03 2017
United Security Bancshares (California) :UBFO-US: Earnings Analysis: Q4, 2016 By the Numbers :... Feb 06 2017
United Security Bancshares (California) :UBFO-US: Earnings Analysis: 2016 By the Numbers : February... Feb 03 2017
UNITED SECURITY BANCSHARES Files SEC form 8-K, Change in Directors or Principal Officers, Other... Feb 03 2017
United Security Bancshares reports 2016 net income of $7.4 million Jan 25 2017
UNITED SECURITY BANCSHARES Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 25 2017
UNITED SECURITY BANCSHARES Files SEC form 8-K, Change in Directors or Principal Officers Jan 09 2017
United Security Bancshares (California): Strong price momentum but will it sustain? Jan 02 2017
ETFs with exposure to United Security Bancshares (California) : December 22, 2016 Dec 22 2016
United Security Bancshares Declares Stock Dividend Dec 22 2016
United Security Bancshares Declares Stock Dividend Dec 22 2016
ETFs with exposure to United Security Bancshares (California) : December 5, 2016 Dec 05 2016
UNITED SECURITY BANCSHARES Files SEC form 10-Q, Quarterly Report Nov 04 2016
United Security Bancshares (California) :UBFO-US: Earnings Analysis: Q3, 2016 By the Numbers :... Oct 25 2016
UNITED SECURITY BANCSHARES Files SEC form 8-K, Termination of a Material Definitive Agreement Oct 25 2016
United Security Bancshares earns 3rd Quarter 2016 profits of $2.0 million Oct 18 2016
United Security Bancshares earns 3rd Quarter 2016 profits of $2.0 million Oct 18 2016
UNITED SECURITY BANCSHARES Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 18 2016
Press Release - 2016 Bank Holding Company Name Change (10/11/2016) Oct 12 2016

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