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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 8.50
UBFO's Cash to Debt is ranked higher than
81% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.86 vs. UBFO: 8.50 )
UBFO' s 10-Year Cash to Debt Range
Min: 0.25   Max: N/A
Current: 8.5

Equity to Asset 0.12
UBFO's Equity to Asset is ranked higher than
84% of the 2312 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UBFO: 0.12 )
UBFO' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.13
Current: 0.12

0.08
0.13
Interest Coverage 7.74
UBFO's Interest Coverage is ranked higher than
94% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. UBFO: 7.74 )
UBFO' s 10-Year Interest Coverage Range
Min: 0.38   Max: 7.74
Current: 7.74

0.38
7.74
F-Score: 5
Z-Score: 0.25
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 (%) 36.82
UBFO's Operating margin (%) is ranked higher than
83% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.22 vs. UBFO: 36.82 )
UBFO' s 10-Year Operating margin (%) Range
Min: -134.45   Max: 50.68
Current: 36.82

-134.45
50.68
Net-margin (%) 21.97
UBFO's Net-margin (%) is ranked higher than
74% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.12 vs. UBFO: 21.97 )
UBFO' s 10-Year Net-margin (%) Range
Min: -33.94   Max: 129.35
Current: 21.97

-33.94
129.35
ROE (%) 8.06
UBFO's ROE (%) is ranked higher than
72% of the 2426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. UBFO: 8.06 )
UBFO' s 10-Year ROE (%) Range
Min: -15.97   Max: 21.37
Current: 8.06

-15.97
21.37
ROA (%) 0.98
UBFO's ROA (%) is ranked higher than
79% of the 2433 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UBFO: 0.98 )
UBFO' s 10-Year ROA (%) Range
Min: -1.63   Max: 2.04
Current: 0.98

-1.63
2.04
ROC (Joel Greenblatt) (%) 93.41
UBFO's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 2392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 89.92 vs. UBFO: 93.41 )
UBFO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -97.93   Max: 570.66
Current: 93.41

-97.93
570.66
Revenue Growth (3Y)(%) -3.70
UBFO's Revenue Growth (3Y)(%) is ranked higher than
60% of the 2094 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. UBFO: -3.70 )
UBFO' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.6   Max: 82.1
Current: -3.7

-9.6
82.1
» UBFO's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

UBFO Guru Trades in Q2 2014

Jim Simons 45,509 sh (+5.57%)
» More
Q3 2014

UBFO Guru Trades in Q3 2014

Jim Simons 49,965 sh (+8.70%)
» More
Q4 2014

UBFO Guru Trades in Q4 2014

Jim Simons 54,773 sh (+8.54%)
» More
Q1 2015

UBFO Guru Trades in Q1 2015

Jim Simons 59,521 sh (+7.59%)
» More
» Details

Insider Trades

Latest Guru Trades with UBFO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.90
UBFO's P/E(ttm) is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. UBFO: 11.90 )
UBFO' s 10-Year P/E(ttm) Range
Min: 5.98   Max: 70.78
Current: 11.9

5.98
70.78
Forward P/E 13.93
UBFO's Forward P/E is ranked higher than
78% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UBFO: 13.93 )
N/A
PE(NRI) 11.90
UBFO's PE(NRI) is ranked higher than
87% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.40 vs. UBFO: 11.90 )
UBFO' s 10-Year PE(NRI) Range
Min: 5.83   Max: 68.42
Current: 11.9

5.83
68.42
P/B 0.94
UBFO's P/B is ranked higher than
83% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. UBFO: 0.94 )
UBFO' s 10-Year P/B Range
Min: 0.41   Max: 4.64
Current: 0.94

0.41
4.64
P/S 2.65
UBFO's P/S is ranked higher than
76% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.73 vs. UBFO: 2.65 )
UBFO' s 10-Year P/S Range
Min: 0.88   Max: 7.48
Current: 2.65

0.88
7.48
PFCF 83.50
UBFO's PFCF is ranked higher than
70% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UBFO: 83.50 )
UBFO' s 10-Year PFCF Range
Min: 2.54   Max: 96.08
Current: 83.5

2.54
96.08
POCF 8.79
UBFO's POCF is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 194.36 vs. UBFO: 8.79 )
UBFO' s 10-Year POCF Range
Min: 2.51   Max: 21.6
Current: 8.79

2.51
21.6
EV-to-EBIT 0.12
UBFO's EV-to-EBIT is ranked higher than
100% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.17 vs. UBFO: 0.12 )
UBFO' s 10-Year EV-to-EBIT Range
Min: -29.2   Max: 57.6
Current: 0.12

-29.2
57.6
Days Sales Outstanding 24.35
UBFO's Days Sales Outstanding is ranked higher than
93% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UBFO: 24.35 )
UBFO' s 10-Year Days Sales Outstanding Range
Min: 21.64   Max: 65.42
Current: 24.35

21.64
65.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.20
UBFO's Dividend Yield is ranked lower than
94% of the 2288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. UBFO: 0.20 )
UBFO' s 10-Year Dividend Yield Range
Min: 1.23   Max: 6.95
Current: 0.2

1.23
6.95
Yield on cost (5-Year) 0.20
UBFO's Yield on cost (5-Year) is ranked lower than
92% of the 2296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.82 vs. UBFO: 0.20 )
UBFO' s 10-Year Yield on cost (5-Year) Range
Min: 1.23   Max: 6.95
Current: 0.2

1.23
6.95
Share Buyback Rate -0.40
UBFO's Share Buyback Rate is ranked higher than
80% of the 1722 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. UBFO: -0.40 )
UBFO' s 10-Year Share Buyback Rate Range
Min: 0.5   Max: -2.1
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.99
UBFO's Price/Tangible Book is ranked higher than
85% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. UBFO: 0.99 )
UBFO' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 4.32
Current: 0.99

0.52
4.32
Price/DCF (Projected) 0.72
UBFO's Price/DCF (Projected) is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. UBFO: 0.72 )
UBFO' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 1.74
Current: 0.72

0.2
1.74
Price/Median PS Value 0.90
UBFO's Price/Median PS Value is ranked higher than
90% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. UBFO: 0.90 )
UBFO' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 2.24
Current: 0.9

0.32
2.24
Price/Graham Number 0.73
UBFO's Price/Graham Number is ranked higher than
86% of the 3227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. UBFO: 0.73 )
UBFO' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 2.53
Current: 0.73

0.39
2.53
Earnings Yield (Greenblatt) 833.30
UBFO's Earnings Yield (Greenblatt) is ranked higher than
100% of the 2417 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. UBFO: 833.30 )
UBFO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 569.8
Current: 833.3

1.7
569.8
Forward Rate of Return (Yacktman) 5.12
UBFO's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1444 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.67 vs. UBFO: 5.12 )
UBFO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.2   Max: 40.2
Current: 5.12

0.2
40.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
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.
» 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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United Security Bancshares Announces Appointment of Chief Financial Officer Mar 30 2015
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