United Security Bancshares (United Security Bancshares) Cash-to-Debt : 0.55 (As of Dec. 2023)

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What is United Security Bancshares Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. United Security Bancshares's cash to debt ratio for the quarter that ended in Dec. 2023 was 0.55.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, United Security Bancshares couldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2023.

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

UBFO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.37 Med: 10.04 Max: 21.7
Current: 0.37

During the past 13 years, United Security Bancshares's highest Cash to Debt Ratio was 21.70. The lowest was 0.37. And the median was 10.04.

UBFO's Cash-to-Debt is ranked worse than
77.97% of 1439 companies
in the Banks industry
Industry Median: 1.25 vs UBFO: 0.37

United Security Bancshares Cash-to-Debt Historical Data

The historical data trend for United Security Bancshares's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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United Security Bancshares Cash-to-Debt Chart

United Security Bancshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Cash-to-Debt

Get a 7-Day Free Trial

15.35

21.17

15.78

2.97

0.55

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
Cash-to-Debt	Get a 7-Day Free Trial															3.49	0.52	0.23	0.55	0.37

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

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

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

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

United Security Bancshares Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

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

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	40.784	/	(62	+	12.65)
	=	0.55

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

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	40.784	/	(62	+	12.65)
	=	0.55

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

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

United Security Bancshares Cash-to-Debt Related Terms

Thank you for viewing the detailed overview of United Security Bancshares's Cash-to-Debt 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 » Cash-to-Debt

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