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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 12.26
NAS:UBFO's Cash to Debt is ranked higher than
67% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:UBFO: 12.26 )
Ranked among companies with meaningful Cash to Debt only.
NAS:UBFO' s Cash to Debt Range Over the Past 10 Years
Min: 0.25  Med: 2.55 Max: N/A
Current: 12.26
Equity to Asset 0.13
NAS:UBFO's Equity to Asset is ranked higher than
76% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:UBFO: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
NAS:UBFO' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.13
Current: 0.13
0.08
0.13
Interest Coverage 9.18
NAS:UBFO's Interest Coverage is ranked higher than
88% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:UBFO: 9.18 )
Ranked among companies with meaningful Interest Coverage only.
NAS:UBFO' s Interest Coverage Range Over the Past 10 Years
Min: 0.38  Med: 3.69 Max: 9.18
Current: 9.18
0.38
9.18
F-Score: 5
M-Score: -1.91
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 (%) 37.88
NAS:UBFO's Operating margin (%) is ranked higher than
67% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:UBFO: 37.88 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:UBFO' s Operating margin (%) Range Over the Past 10 Years
Min: -39.33  Med: 27.85 Max: 50.68
Current: 37.88
-39.33
50.68
Net-margin (%) 22.90
NAS:UBFO's Net-margin (%) is ranked higher than
52% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:UBFO: 22.90 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:UBFO' s Net-margin (%) Range Over the Past 10 Years
Min: -33.94  Med: 21.43 Max: 31.65
Current: 22.9
-33.94
31.65
ROE (%) 8.14
NAS:UBFO's ROE (%) is ranked lower than
51% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:UBFO: 8.14 )
Ranked among companies with meaningful ROE (%) only.
NAS:UBFO' s ROE (%) Range Over the Past 10 Years
Min: -15.97  Med: 7.85 Max: 21.37
Current: 8.14
-15.97
21.37
ROA (%) 1.01
NAS:UBFO's ROA (%) is ranked higher than
60% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:UBFO: 1.01 )
Ranked among companies with meaningful ROA (%) only.
NAS:UBFO' s ROA (%) Range Over the Past 10 Years
Min: -1.63  Med: 0.95 Max: 2.04
Current: 1.01
-1.63
2.04
Revenue Growth (3Y)(%) 2.90
NAS:UBFO's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:UBFO: 2.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:UBFO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.5  Med: 2.9 Max: 81.3
Current: 2.9
-9.5
81.3
EBITDA Growth (3Y)(%) 10.80
NAS:UBFO's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:UBFO: 10.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:UBFO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.5  Med: 9.6 Max: 17.7
Current: 10.8
-24.5
17.7
EPS Growth (3Y)(%) 3.90
NAS:UBFO's EPS Growth (3Y)(%) is ranked lower than
61% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:UBFO: 3.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:UBFO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -29.5  Med: 10 Max: 18.7
Current: 3.9
-29.5
18.7
» NAS:UBFO's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-15)


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

» Details

Guru Trades

Q3 2015

UBFO Guru Trades in Q3 2015

Jim Simons 70,443 sh (+11.79%)
» More
Q4 2015

UBFO Guru Trades in Q4 2015

Jim Simons 82,657 sh (+16.18%)
» More
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
» Details

Insider Trades

Latest Guru Trades with UBFO

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:FRAF, NAS:OPOF, NAS:PKBK, NAS:EVBS, OTCPK:MVBF, OTCPK:CWBB, NAS:FCCY, NAS:AUBN, NAS:NWFL, OTCPK:MNAT, NAS:TCFC, NAS:CHEV, NAS:ISTR, NAS:FCCO, NAS:CIZN, NAS:CLBH, NAS:FBMS, NAS:SOCB, NAS:NBN, NAS:ACFC » 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
P/E(ttm) 14.32
UBFO's P/E(ttm) is ranked lower than
57% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. UBFO: 14.32 )
Ranked among companies with meaningful P/E(ttm) only.
UBFO' s P/E(ttm) Range Over the Past 10 Years
Min: 6.03  Med: 15.02 Max: 73.77
Current: 14.32
6.03
73.77
PE(NRI) 14.32
UBFO's PE(NRI) is ranked lower than
57% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. UBFO: 14.32 )
Ranked among companies with meaningful PE(NRI) only.
UBFO' s PE(NRI) Range Over the Past 10 Years
Min: 6.17  Med: 14.79 Max: 97.75
Current: 14.32
6.17
97.75
Price/Owner Earnings (ttm) 14.13
UBFO's Price/Owner Earnings (ttm) is ranked lower than
59% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. UBFO: 14.13 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UBFO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.2  Med: 11.54 Max: 50.82
Current: 14.13
4.2
50.82
P/B 1.11
UBFO's P/B is ranked lower than
57% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. UBFO: 1.11 )
Ranked among companies with meaningful P/B only.
UBFO' s P/B Range Over the Past 10 Years
Min: 0.41  Med: 0.95 Max: 4.59
Current: 1.11
0.41
4.59
P/S 3.25
UBFO's P/S is ranked lower than
57% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. UBFO: 3.25 )
Ranked among companies with meaningful P/S only.
UBFO' s P/S Range Over the Past 10 Years
Min: 0.88  Med: 2.72 Max: 7.49
Current: 3.25
0.88
7.49
PFCF 15.79
UBFO's PFCF is ranked lower than
71% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. UBFO: 15.79 )
Ranked among companies with meaningful PFCF only.
UBFO' s PFCF Range Over the Past 10 Years
Min: 2.53  Med: 9.67 Max: 73.6
Current: 15.79
2.53
73.6
POCF 14.25
UBFO's POCF is ranked lower than
74% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. UBFO: 14.25 )
Ranked among companies with meaningful POCF only.
UBFO' s POCF Range Over the Past 10 Years
Min: 2.51  Med: 7.7 Max: 21.59
Current: 14.25
2.51
21.59
EV-to-EBIT 1.02
UBFO's EV-to-EBIT is ranked higher than
95% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. UBFO: 1.02 )
Ranked among companies with meaningful EV-to-EBIT only.
UBFO' s EV-to-EBIT Range Over the Past 10 Years
Min: -29.2  Med: 1 Max: 57.6
Current: 1.02
-29.2
57.6
EV-to-EBITDA 0.91
UBFO's EV-to-EBITDA is ranked higher than
95% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. UBFO: 0.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
UBFO' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.8  Med: 1.1 Max: 30.2
Current: 0.91
-49.8
30.2
Shiller P/E 29.79
UBFO's Shiller P/E is ranked lower than
83% of the 494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.76 vs. UBFO: 29.79 )
Ranked among companies with meaningful Shiller P/E only.
UBFO' s Shiller P/E Range Over the Past 10 Years
Min: 5.12  Med: 12.23 Max: 30.67
Current: 29.79
5.12
30.67

Buy Back

vs
industry
vs
history
Yield on cost (5-Year) 0.19
UBFO's Yield on cost (5-Year) is ranked lower than
98% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. UBFO: 0.19 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UBFO' s Yield on cost (5-Year) 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
80% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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: -0.4 Max: 0.7
Current: 0.3
-1.8
0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
UBFO's Price/Tangible Book is ranked lower than
54% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UBFO: 1.17 )
Ranked among companies with meaningful Price/Tangible Book only.
UBFO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.52  Med: 2.28 Max: 4.32
Current: 1.17
0.52
4.32
Price/Projected FCF 0.78
UBFO's Price/Projected FCF is ranked lower than
64% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. UBFO: 0.78 )
Ranked among companies with meaningful Price/Projected FCF only.
UBFO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.2  Med: 0.6 Max: 1.9
Current: 0.78
0.2
1.9
Price/Median PS Value 1.20
UBFO's Price/Median PS Value is ranked lower than
72% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. UBFO: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
UBFO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.39 Max: 6.84
Current: 1.2
0.34
6.84
Price/Graham Number 0.86
UBFO's Price/Graham Number is ranked lower than
53% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. UBFO: 0.86 )
Ranked among companies with meaningful Price/Graham Number only.
UBFO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.4  Med: 1.36 Max: 2.54
Current: 0.86
0.4
2.54
Earnings Yield (Greenblatt) (%) 97.99
UBFO's Earnings Yield (Greenblatt) (%) is ranked higher than
96% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UBFO: 97.99 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UBFO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.7  Med: 9.6 Max: 5022.4
Current: 97.99
1.7
5022.4
Forward Rate of Return (Yacktman) (%) 2.96
UBFO's Forward Rate of Return (Yacktman) (%) is ranked lower than
72% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. UBFO: 2.96 )
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: 1.8  Med: 21.3 Max: 42.2
Current: 2.96
1.8
42.2

More Statistics

Revenue (TTM) (Mil) $31.91
EPS (TTM) $ 0.44
Beta0.22
Short Percentage of Float0.09%
52-Week Range $4.51 - 6.73
Shares Outstanding (Mil)16.37
» More Articles for NAS: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
ETF’s with exposure to United Security Bancshares (California) : August 23, 2016 Aug 23 2016
UNITED SECURITY BANCSHARES Financials Aug 12 2016
UNITED SECURITY BANCSHARES Files SEC form 10-Q, Quarterly Report Aug 04 2016
United Security Bancshares (California) :UBFO-US: Earnings Analysis: Q2, 2016 By the Numbers : July... Jul 21 2016
United Security Bancshares earns 2nd Quarter 2016 profits of $2.0 million Jul 14 2016
United Security posts 2Q profit Jul 14 2016
United Security posts 2Q profit Jul 14 2016
United Security Bancshares earns 2nd Quarter 2016 profits of $2.0 million Jul 14 2016
UNITED SECURITY BANCSHARES Files SEC form 8-K, Results of Operations and Financial Condition Jul 14 2016
United Security Bancshares (California): Strong price momentum but will it sustain? Jun 30 2016
United Security Bancshares Declares Stock Dividend Jun 30 2016
United Security Bancshares Declares Stock Dividend Jun 30 2016
United Security Bancshares (California) :UBFO-US: Earnings Analysis: Q1, 2016 By the Numbers : June... Jun 28 2016
Press Release - 2016 USBI Q1 Press Release (04/29/2016) May 12 2016
UNITED SECURITY BANCSHARES Files SEC form 10-Q, Quarterly Report May 05 2016
2016 USBI Q1 Press Release (04/29/2016) Apr 29 2016
United Security Bancshares (California) :UBFO-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 21 2016
United Security Bancshares earns 1st Quarter 2016 profits of $1.8 million Apr 14 2016
United Security posts 1Q profit Apr 14 2016
United Security posts 1Q profit Apr 14 2016

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