United Security Bancshares (United Security Bancshares) Risk Assessment

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What is United Security Bancshares Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of United Security Bancshares is: High Risk: High uncertainty with risk-return tradeoff.

Competitive Comparison of United Security Bancshares's Risk Assessment

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

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

* The bar in red indicates where United Security Bancshares's Risk Assessment falls into.

United Security Bancshares (NAS:UBFO) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

United Security Bancshares Risk Assessment Related Terms

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United Security Bancshares (United Security Bancshares) Business Description

Industry

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

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