United Security Bancshares (United Security Bancshares) Debt-to-Equity : 0.61 (As of Dec. 2023)

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What is United Security Bancshares Debt-to-Equity?

United Security Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $62.00 Mil. United Security Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $12.65 Mil. United Security Bancshares's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $122.54 Mil. United Security Bancshares's debt to equity for the quarter that ended in Dec. 2023 was 0.61.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for United Security Bancshares's Debt-to-Equity or its related term are showing as below:

UBFO' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.09 Med: 0.12 Max: 0.61
Current: 0.93

During the past 13 years, the highest Debt-to-Equity Ratio of United Security Bancshares was 0.61. The lowest was 0.09. And the median was 0.12.

UBFO's Debt-to-Equity is ranked worse than
61.45% of 1393 companies
in the Banks industry
Industry Median: 0.69 vs UBFO: 0.93

United Security Bancshares Debt-to-Equity Historical Data

The historical data trend for United Security Bancshares's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

United Security Bancshares Debt-to-Equity Chart

United Security Bancshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.12

0.61

United Security Bancshares Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Equity	Get a 7-Day Free Trial															0.12	0.98	1.34	0.61	0.93

Competitive Comparison of United Security Bancshares's Debt-to-Equity

For the Banks - Regional subindustry, United Security Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

United Security Bancshares's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Security Bancshares's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where United Security Bancshares's Debt-to-Equity falls into.

United Security Bancshares Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

United Security Bancshares's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(62	+	12.65)	/	122.542
	=	0.61

United Security Bancshares's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(62	+	12.65)	/	122.542
	=	0.61

United Security Bancshares (NAS:UBFO) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

United Security Bancshares Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of United Security Bancshares's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

United Security Bancshares (United Security Bancshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Security Bancshares (NAS:UBFO) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

2126 Inyo Street, Fresno, CA, USA, 93721

Website

https://www.unitedsecuritybank.com

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. It offers checking and savings accounts, deposits, mortgage loans, credit and debit cards, safe deposit boxes, automated teller machines, wire transfers, money market accounts, mobile banking, and wealth management services. The company's primary sources of revenue are interest income from loans and investment securities.

Executives

Oberg Robert C Jr	officer: SVP & CHIEF RISK OFFICER	610 DAYTON STREET APT# 3, HAMILTON OH 45011
Dennis R Woods	director, officer: CEO	1525 E. SHAW AVE., FRESNO CA 93710
Jagroop Gill	director	2126 INYO STREET, FRESNO CA 93721
G Thompson Ellithorpe	director	1525 E SHAW AVE, FRESNO CA 93710
Thomas G Walker	director	2126 INYO STREET, FRESNO CA 93721
William M. Yarbenet	officer: SVP & CCO	2126 INYO STREET, FRESNO CA 93721
Kenneth D Newby	director	2126 INYO STREET, FRESNO CA 93721
Susan Quigley	director	2126 INYO STREET, FRESNO CA 93721
Heather Hammack	director	2126 INYO STREET, FRESNO CA 93721
Dora Westerlund	director	2126 INYO STREET, FRESNO CA 93721
Nabeel Mahmood	director	2126 INYO STREET, FRESNO CA 93721
Brian Tkacz	director	2126 INYO STREET, FRESNO CA 93721
Benjamin Mackovak	director	2126 INYO STREET, FRESNO CA 93721
David L Eytcheson	officer: SVP & COO	1525 E SHAW AVE, FRESNO CA 93710
David A Kinross	officer: SVP & CHIEF FINANCIAL OFFICER	600 POLLASKY AVENUE, CLOVIS CA 93612