UBFO - United Security Bancshares-Fresno CA Stock Price, Fair Value and News

7.06USD-0.23 (-3.16%)Delayed as of 30 Apr 2024, 01:53 pm ET

Market Summary

USD7.06-0.23

Delayedas of 30 Apr 2024, 01:53 pm

-3.16%

UBFO Stock Price

View Fullscreen

UBFO RSI Chart

UBFO Valuation

Market Cap

125.8M

Price/Earnings (Trailing)

6.35

Price/Sales (Trailing)

2.08

EV/EBITDA

1.09

Price/Free Cashflow

6.11

UBFO Price/Sales (Trailing)

UBFO Profitability

EBT Margin

45.51%

Return on Equity

16.15%

Return on Assets

1.63%

Free Cashflow Yield

16.37%

UBFO Fundamentals

UBFO Revenue

Revenue (TTM)

60.4M

Rev. Growth (Yr)

4.41%

Rev. Growth (Qtr)

0.5%

UBFO Earnings

Earnings (TTM)

19.8M

Earnings Growth (Yr)

1.12%

Earnings Growth (Qtr)

40.18%

Breaking Down UBFO Revenue

52 Week Range

5.507.80

(Low)(High)

Last 7 days

-2.3%

Last 30 days

-5.4%

Last 90 days

-9.4%

Trailing 12 Months

21.1%

How does UBFO drawdown profile look like?

UBFO Financial Health

UBFO Investor Care

Dividend Yield

4.8%

Dividend/Share (TTM)

0.35

Shares Dilution (1Y)

0.63%

Diluted EPS (TTM)

1.16

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	53.8M	57.9M	59.7M	60.4M
2022	39.2M	40.8M	44.4M	49.3M
2021	33.9M	35.1M	36.9M	37.8M
2020	40.4M	38.3M	36.0M	34.9M
2019	38.2M	40.1M	41.0M	41.3M
2018	34.1M	34.4M	35.4M	36.6M
2017	30.2M	31.3M	32.1M	32.9M
2016	27.8M	28.0M	28.8M	29.5M
2015	25.7M	26.3M	26.8M	27.4M
2014	23.1M	23.5M	24.2M	25.0M
2013	24.3M	23.5M	23.2M	23.0M
2012	27.5M	26.9M	26.1M	25.1M
2011	31.4M	30.2M	29.1M	27.9M
2010	0	0	0	32.5M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of United Security Bancshares-Fresno CA

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 15, 2024	gill jagroop	acquired	-	-	-	-
Mar 15, 2024	gill jagroop	bought	8,527	7.5	1,137	-
Mar 14, 2024	gill jagroop	acquired	-	-	-	-
Mar 14, 2024	gill jagroop	bought	135	7.5	18.00	-
Mar 12, 2024	gill jagroop	acquired	-	-	-	-
Mar 12, 2024	gill jagroop	bought	262	7.5	35.00	-
Mar 11, 2024	gill jagroop	acquired	-	-	-	-
Mar 11, 2024	gill jagroop	bought	21,450	7.5	2,860	-
Mar 08, 2024	gill jagroop	bought	1,979	7.4962	264	-
Feb 27, 2024	westerlund dora	acquired	-	-	2,721	-

Which funds bought or sold UBFO recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 26, 2024	SALZHAUER MICHAEL	added	6.7	-4,652	208,716	0.16%
Apr 24, 2024	RITHOLTZ WEALTH MANAGEMENT	reduced	-1.76	-9,181	83,219	-%
Apr 23, 2024	Planning Center, Inc.	unchanged	-	-25,217	277,753	0.06%
Apr 19, 2024	CALDWELL SUTTER CAPITAL, INC.	unchanged	-	-7,046	77,601	0.04%
Apr 18, 2024	Bridgewealth Advisory Group, LLC	reduced	-0.08	-843,159	9,198,710	4.50%
Apr 18, 2024	Miracle Mile Advisors, LLC	new	-	107,940	107,940	-%
Apr 17, 2024	Saratoga Research & Investment Management	unchanged	-	-7,700	84,810	-%
Apr 05, 2024	CWM, LLC	unchanged	-	-1,000	11,000	-%
Mar 11, 2024	VANGUARD GROUP INC	added	122	2,762,520	4,579,190	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	added	257	306,422	407,346	-%

Are Funds Buying or Selling UBFO?

Are funds buying UBFO calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UBFO

No. of Funds

Unveiling United Security Bancshares-Fresno CA's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Jun 12, 2023	gill jagroop	5.92%	1,012,595	SC 13D
Jun 06, 2023	strategic value investors lp	0%	0	SC 13D/A
Jan 31, 2023	strategic value investors lp	5.5%	934,309	SC 13D/A
Feb 16, 2021	bridgewealth advisory group, llc	5.5%	935,171	SC 13G/A
Feb 12, 2021	strategic value investors lp	5.4%	917,289	SC 13D/A
Feb 12, 2020	bridgewealth advisory group, llc	5.5%	931,689	SC 13G/A
Feb 12, 2020	bridgewealth advisory group, llc	5.7%	961,648	SC 13G

Recent SEC filings of United Security Bancshares-Fresno CA

View All Filings

Date Filed	Form Type	Document
Apr 18, 2024	8-K	Current Report
Apr 01, 2024	DEF 14A	DEF 14A
Mar 27, 2024	8-K	Current Report
Mar 26, 2024	10-K	Annual Report
Mar 19, 2024	4	Insider Trading
Mar 15, 2024	4	Insider Trading
Mar 14, 2024	4	Insider Trading
Mar 11, 2024	4	Insider Trading
Mar 04, 2024	3/A	Insider Trading
Mar 01, 2024	3	Insider Trading

Peers (Alternatives to United Security Bancshares-Fresno CA)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	556.7B	171.1B	-3.50%	39.81%	11.24	3.25	60.72%	31.52%
BAC	295.6B	130.3B	-0.98%	28.24%	11.15	2.27	79.51%	-3.68%
WFC	213.9B	85.7B	3.17%	50.44%	11.18	2.5	41.49%	39.96%
C	119.0B	133.3B	-1.55%	32.27%	12.9	0.89	79.09%	-
CFG	16.0B	10.2B	-3.61%	14.73%	9.98	1.57	44.53%	-22.43%
KEY	13.8B	7.9B	-6.83%	30.82%	14.22	1.74	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-6.49%	18.56%	9.93	1.63	34.68%	-45.96%
ZION	6.1B	3.9B	-4.79%	48.31%	9	1.55	45.91%	-25.03%
ABCB	3.3B	1.3B	0.25%	44.78%	12.44	2.61	43.24%	-22.35%
ASB	3.3B	2.0B	0.37%	21.09%	17.83	1.67	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	395.5M	164.9M	-8.20%	39.26%	33.82	2.4	42.66%	-70.76%
AROW	377.4M	162.6M	-8.87%	5.60%	12.55	2.32	25.39%	-38.37%
ACNB	274.3M	96.6M	-14.23%	6.33%	8.66	2.84	11.02%	-11.37%
ASRV	42.0M	60.9M	-5.77%	-17.79%	-12.56	0.69	24.06%	-144.92%

United Security Bancshares-Fresno CA News

Latest updates

United Security Bancshares-Fresno CA Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	0.5%	15.00	15.00	15.00	15.00	15.00	14.00	11.00	10.00	10.00	10.00	9.00	9.00	9.00	8.00	8.00	9.00	10.00	10.00	10.00	10.00	10.00
EBITDA Margin	-3.4%	1.30*	1.34*	1.41*	1.45*	1.41*	1.39*	1.37*	1.36*	1.33*	1.31*	1.31*	1.29*	1.33*	1.35*	-	-	-	-	-	-	-
Interest Expenses	0.3%	12.00	12.00	13.00	13.00	13.00	13.00	10.00	9.00	9.00	9.00	9.00	8.00	9.00	8.00	8.00	9.00	9.00	9.00	9.00	9.00	9.00
Income Taxes	10.6%	2.00	2.00	2.00	3.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	2.00	2.00	2.00	1.00
Earnings Before Taxes	33.1%	7.00	5.00	6.00	9.00	8.00	6.00	5.00	3.00	4.00	4.00	4.00	2.00	3.00	3.00	3.00	4.00	4.00	6.00	6.00	6.00	5.00
EBT Margin	-2.2%	0.46*	0.47*	0.50*	0.51*	0.45*	0.42*	0.39*	0.38*	0.35*	0.32*	0.33*	0.31*	0.36*	0.38*	-	-	-	-	-	-	-
Net Income	40.2%	5.00	4.00	4.00	6.00	5.00	4.00	3.00	2.00	3.00	3.00	3.00	1.00	2.00	2.00	2.00	3.00	3.00	4.00	4.00	4.00	4.00
Net Income Margin	-0.8%	0.33*	0.33*	0.35*	0.36*	0.32*	0.31*	0.29*	0.28*	0.27*	0.23*	0.24*	0.22*	0.26*	0.28*	-	-	-	-	-	-	-
Free Cashflow	300.9%	6.00	-3.21	8.00	9.00	8.00	7.00	5.00	2.00	7.00	2.00	1.00	4.00	4.00	1.00	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	-4.9%	1,211	1,273	1,289	1,261	1,299	1,369	1,340	1,350	1,331	1,293	1,231	1,187	1,093	1,134	1,031	977	957	957	1,006	964	933
Cash Equivalents	15.5%	41.00	35.00	58.00	45.00	39.00	126	107	225	219	259	161	308	294	323	230	200	219	246	309	261	220
Net PPE	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.00	9.00	9.00	10.00	10.00	10.00
Goodwill	-0.3%	4.00	5.00	5.00	5.00	5.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00
Liabilities	-6.0%	1,089	1,158	1,173	1,148	1,187	1,262	1,230	1,236	1,211	1,174	1,113	1,070	975	1,016	914	860	841	842	893	853	824
Shareholder's Equity	6.5%	123	115	116	113	112	107	110	114	120	119	118	117	118	118	117	117	116	115	113	111	109
Retained Earnings	4.5%	77.00	74.00	72.00	69.00	70.00	66.00	64.00	62.00	62.00	60.00	60.00	59.00	59.00	59.00	59.00	59.00	58.00	57.00	54.00	52.00	50.00
Shares Outstanding	-0.1%	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	-	-	-	-	-	-	-
Float	-	-	-	104	-	-	-	104	-	-	-	-	-	-	-	89.00	-	-	-	152	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	324.4%	6,713	-2,991	8,326	9,328	8,673	7,278	5,524	2,225	7,669	3,024	1,231	4,626	4,434	1,250	3,304	4,812	6,395	4,689	2,253	2,823	4,232
Share Based Compensation	25.0%	90.00	72.00	76.00	240	78.00	87.00	101	100	87.00	53.00	52.00	46.00	109	107	132	77.00	77.00	78.00	95.00	99.00	152
Cashflow From Investing	19146.6%	63,806	-335	-16,143	40,255	-18,930	-19,210	-115,199	-20,894	-83,397	37,093	-189,016	-84,046	10,300	-7,263	-24,423	-44,161	-27,755	-15,648	9,033	11,607	-16,267
Cashflow From Financing	-228.8%	-65,032	-19,780	21,067	-43,025	-77,180	30,748	-8,013	24,354	35,519	58,403	40,784	93,260	-43,997	99,804	50,807	20,207	-5,588	-52,554	37,469	25,934	25,072
Dividend Payments	-16.1%	1,878	2,238	1,880	1,874	1,872	1,875	1,877	1,872	1,872	1,870	1,877	1,870	-	1,867	1,868	1,867	-	-	-	-	-

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

UBFO Income Statement

2023-12-31

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Interest Income:
Interest and fees on loans	$ 54,183	$ 43,039
Interest on investment securities	5,870	4,613
Interest on deposits in FRB	324	1,605
Total interest income	60,377	49,257
Interest Expense:
Interest on deposits	6,758	2,815
Interest on other borrowed funds	4,298	380
Total interest expense	11,056	3,195
Net Interest Income	49,321	46,062
Provision for credit losses	1,460	1,802
Net Interest Income after Provision for Credit Losses	47,861	44,260
Noninterest Income:
Customer service fees	2,918	3,027
Increase in cash surrender value of bank-owned life insurance	557	555
Unrealized gain (loss) on fair value of marketable equity securities	39	(429)
Gain on proceeds from bank-owned life insurance	907	0
Gain (loss) on fair value of junior subordinated debentures	274	(2,533)
Gain on sale of investment securities	0	30
Loss on sale of assets	0	(10)
Other	874	1,198
Total noninterest income	5,569	1,838
Noninterest Expense:
Salaries and employee benefits	13,157	11,833
Occupancy expense	3,739	3,467
Data processing	784	686
Professional fees	4,366	4,058
Regulatory assessments	727	794
Director fees	438	452
Correspondent bank service charges	80	93
Net cost of operation of OREO	201	102
Other	2,462	2,554
Total noninterest income	25,954	24,039
Income before provision for taxes	27,476	22,059
Provision for income taxes	7,680	6,373
Net income	$ 19,796	$ 15,686
Net income per common share
Basic (in dollars per share)	$ 1.16	$ 0.92
Diluted (in dollars per share)	$ 1.16	$ 0.92
Weighted average common shares outstanding
Basic (in shares)	17,114,214	17,040,241
Diluted (in shares)	17,125,186	17,061,833

UBFO Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)
$ in Thousands

Dec. 31, 2023

Dec. 31, 2022

Assets

Cash and noninterest-bearing deposits in other banks

$ 40,577

$ 31,650

Due from Federal Reserve Bank (FRB)

207

6,945

Cash and cash equivalents

40,784

38,595

Investment securities (at fair value)

Debt securities, available-for-sale

181,265

207,545

Marketable equity securities

3,354

3,315

Total investment securities

184,620

210,860

Loans

Loans

921,341

981,772

Unearned fees and unamortized loan origination costs - net

1,299

1,594

Allowance for credit losses - loans

(15,658)

(10,182)

Net loans

904,384

969,996

Premises and equipment - net

9,098

9,770

Accrued interest receivable

7,928

8,489

Other real estate owned (“OREO”)

4,582

Goodwill

4,488

Deferred tax assets - net

14,055

12,825

Cash surrender value of life insurance - net

21,954

22,893

Investment in limited partnership

3,200

2,800

Operating lease right-of-use assets

1,338

1,984

Other assets

14,614

11,911

Total assets

1,211,045

1,299,193

Deposits

Noninterest-bearing

403,225

481,629

Interest-bearing

601,252

683,855

Total deposits

1,004,477

1,165,484

Short-term borrowings

62,000

Operating lease liabilities

1,437

2,093

Other liabilities

9,376

8,270

Junior subordinated debentures (at fair value)

11,213

10,883

Total liabilities

1,088,503

1,186,730

Commitments and contingencies (Note 14)

Shareholders’ Equity

Common stock, no par value; 20,000,000 shares authorized; issued and outstanding: 17,167,895 at December 31, 2023 and 17,067,253 at December 31, 2022

60,585

60,030

Retained earnings

76,995

69,928

Accumulated other comprehensive loss, net of tax

(15,038)

(17,495)

Total shareholders’ equity

122,542

^[1]

112,463

^[2]

Total liabilities and shareholders’ equity

1,211,045

1,299,193

Taxable AFS Securities

Investment securities (at fair value)

Debt securities, available-for-sale

179,016

204,173

Tax-exempt municipal bonds

Investment securities (at fair value)

Debt securities, available-for-sale

$ 2,250

$ 3,372

[1]	(3) Excludes 21,435 unvested restricted shares
[2]	(2) Excludes 13,974 unvested restricted shares

About United Security Bancshares-Fresno CA

United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, money order, and foreign draft services, as well as automated and interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.

CEO	Mr. Dennis R. Woods M.D.
WEBSITE	unitedsecuritybank.com
INDUSTRY	Banks Diversified
EMPLOYEES	117

United Security Bancshares-Fresno CA Frequently Asked Questions

What is the ticker symbol for United Security Bancshares-Fresno CA? What does UBFO stand for in stocks?

UBFO is the stock ticker symbol of United Security Bancshares-Fresno CA. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of United Security Bancshares-Fresno CA (UBFO)?

As of Mon Apr 29 2024, market cap of United Security Bancshares-Fresno CA is 125.79 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UBFO stock?

You can check UBFO's fair value in chart for subscribers.

What is the fair value of UBFO stock?

You can check UBFO's fair value in chart for subscribers. The fair value of United Security Bancshares-Fresno CA is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of United Security Bancshares-Fresno CA is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UBFO so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is United Security Bancshares-Fresno CA a good stock to buy?

The fair value guage provides a quick view whether UBFO is over valued or under valued. Whether United Security Bancshares-Fresno CA is cheap or expensive depends on the assumptions which impact United Security Bancshares-Fresno CA's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UBFO.

What is United Security Bancshares-Fresno CA's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Mon Apr 29 2024, UBFO's PE ratio (Price to Earnings) is 6.35 and Price to Sales (PS) ratio is 2.08. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UBFO PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on United Security Bancshares-Fresno CA's stock?

In the past 10 years, United Security Bancshares-Fresno CA has provided 0.068 (multiply by 100 for percentage) rate of return.