GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Security Bancshares (NAS:UBFO) » Definitions » PB Ratio

United Security Bancshares (United Security Bancshares) PB Ratio : 1.03 (As of Apr. 26, 2024)


View and export this data going back to 1999. Start your Free Trial

What is United Security Bancshares PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-26), United Security Bancshares's share price is $7.40. United Security Bancshares's Book Value per Share for the quarter that ended in Dec. 2023 was $7.17. Hence, United Security Bancshares's PB Ratio of today is 1.03.

The historical rank and industry rank for United Security Bancshares's PB Ratio or its related term are showing as below:

UBFO' s PB Ratio Range Over the Past 10 Years
Min: 0.73   Med: 1.11   Max: 1.92
Current: 1.03

During the past 13 years, United Security Bancshares's highest PB Ratio was 1.92. The lowest was 0.73. And the median was 1.11.

UBFO's PB Ratio is ranked worse than
64.75% of 1458 companies
in the Banks industry
Industry Median: 0.85 vs UBFO: 1.03

During the past 12 months, United Security Bancshares's average Book Value Per Share Growth Rate was 8.30% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 1.00% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 1.20% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 4.50% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of United Security Bancshares was 14.10% per year. The lowest was -7.90% per year. And the median was 7.30% per year.

Back to Basics: PB Ratio


United Security Bancshares PB Ratio Historical Data

The historical data trend for United Security Bancshares's PB Ratio 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 PB Ratio Chart

United Security Bancshares Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.57 1.02 1.15 1.11 1.18

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
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.97 0.99 1.11 1.18 1.08

Competitive Comparison of United Security Bancshares's PB Ratio

For the Banks - Regional subindustry, United Security Bancshares's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Security Bancshares's PB Ratio distribution charts can be found below:

* The bar in red indicates where United Security Bancshares's PB Ratio falls into.



United Security Bancshares PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

United Security Bancshares's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=7.40/7.172
=1.03

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


United Security Bancshares  (NAS:UBFO) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


United Security Bancshares PB Ratio Related Terms

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


United Security Bancshares (United Security Bancshares) Business Description

Traded in Other Exchanges
N/A
Address
2126 Inyo Street, Fresno, CA, USA, 93721
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

United Security Bancshares (United Security Bancshares) Headlines

From GuruFocus

United Security Bancshares's Dividend Analysis

By GuruFocus Research 01-01-2024

United Security Bancshares Declares Quarterly Cash Dividend

By Business Wire Business Wire 12-21-2022

United Security Bancshares Declares Quarterly Cash Dividend

By PRNewswire PRNewswire 06-29-2018

United Security Bancshares Declares Quarterly Cash Dividend

By Business Wire Business Wire 06-25-2020

United Security Bancshares Declares Quarterly Cash Dividend

By PRNewswire PRNewswire 03-27-2019

United Security Bancshares Declares Quarterly Cash Dividend

By Business Wire Business Wire 09-24-2020

United Security Bancshares Declares Quarterly Cash Dividend

By PRNewswire PRNewswire 06-26-2019

United Security Bancshares Declares Quarterly Cash Dividend

By Business Wire Business Wire 03-26-2020