Shares Outstanding Shares Outstanding n/a Close	17.48M
Shares Change (YoY) Shares Change (YoY) n/a Close	-0.34%
Shares Change (QoQ) Shares Change (QoQ) n/a Close	-0.39%
Owned by Institutions (%) Owned by Institutions (%) n/a Close	32.53%
Shares Floating Shares Floating n/a Close	13.66M
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	23
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.08%

Short Selling Information

The latest short interest is 65.55K, so 0.38% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	65.55K
Short % of Shares Out Short % of Shares Out n/a Close	0.38%
Short % of Float Short % of Float n/a Close	0.48%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	2.75

Valuation Ratios

The PE ratio is 11.74 and the forward PE ratio is null. United Security Bancshares's PEG ratio is -0.45.

PE Ratio PE Ratio n/a Close	11.74
Forward PE Forward PE n/a Close	n/a
PS Ratio PS Ratio n/a Close	3.57
Forward PS Forward PS n/a Close	0.7
PB Ratio PB Ratio n/a Close	1.33
P/FCF Ratio P/FCF Ratio n/a Close	9.34
PEG Ratio PEG Ratio n/a Close	-0.45

Financial Ratio History

Enterprise Valuation

United Security Bancshares has an Enterprise Value (EV) of 132.12M.

EV / Sales EV / Sales n/a Close	2.72
EV / EBITDA EV / EBITDA n/a Close	0
EV / EBIT EV / EBIT n/a Close	6.73
EV / FCF EV / FCF n/a Close	7.11

Financial Position

The company has a current ratio of 0.21, with a Debt / Equity ratio of 0.11.

Current Ratio Current Ratio n/a Close	0.21
Quick Ratio Quick Ratio n/a Close	0.21
Debt / Equity Debt / Equity n/a Close	0.11
Debt / EBITDA Debt / EBITDA n/a Close	n/a
Debt / FCF Debt / FCF n/a Close	0.79
Interest Coverage Interest Coverage n/a Close	1.74

Financial Efficiency

Return on Equity is 11.34% and Return on Invested Capital is -2.2%.

Return on Equity Return on Equity n/a Close	11.34%
Return on Assets Return on Assets n/a Close	1.22%
Return on Invested Capital Return on Invested Capital n/a Close	-2.2%
Revenue Per Employee Revenue Per Employee n/a Close	$426,315.79
Profits Per Employee Profits Per Employee n/a Close	$129,675.44
Employee Count Employee Count n/a Close	114
Asset Turnover Asset Turnover n/a Close	0.04
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	5.54M
Effective Tax Rate Effective Tax Rate n/a Close	27.25%

Stock Price Statistics

The stock price has increased by 12.33% in the last 52 weeks. The beta is 0.35, so United Security Bancshares's price volatility has been higher than the market average.

Beta Beta n/a Close	0.35
52-Week Price Change 52-Week Price Change n/a Close	12.33%
50-Day Moving Average 50-Day Moving Average n/a Close	8.57
200-Day Moving Average 200-Day Moving Average n/a Close	9.09
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	35.92
Average Volume (20 Days) Average Volume (20 Days) n/a Close	28,109

Income Statement

In the last 12 months, United Security Bancshares had revenue of 48.6M and earned 14.78M in profits. Earnings per share was 0.86.

Revenue Revenue n/a Close	48.6M
Gross Profit Gross Profit n/a Close	48.6M
Operating Income Operating Income n/a Close	24.21M
Net Income Net Income n/a Close	14.78M
EBITDA EBITDA n/a Close	n/a
EBIT EBIT n/a Close	20.32M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	0.86

Full Income Statement

Balance Sheet

The company has 56.21M in cash and 14.73M in debt, giving a net cash position of 41.48M.

Cash & Cash Equivalents Cash & Cash Equivalents n/a Close	56.21M
Total Debt Total Debt n/a Close	14.73M
Net Cash Net Cash n/a Close	41.48M
Retained Earnings Retained Earnings n/a Close	83.45M
Total Assets Total Assets n/a Close	1.19B
Working Capital Working Capital n/a Close	-830.64M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 19.64M and capital expenditures 0, giving a free cash flow of 18.6M.

Operating Cash Flow Operating Cash Flow n/a Close	19.64M
Capital Expenditures Capital Expenditures n/a Close	n/a
Free Cash Flow Free Cash Flow n/a Close	18.6M
FCF Per Share FCF Per Share n/a Close	1.08

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 49.83% and 30.42%.

Gross Margin Gross Margin n/a Close	100%
Operating Margin Operating Margin n/a Close	49.83%
Pretax Margin Pretax Margin n/a Close	41.81%
Profit Margin Profit Margin n/a Close	30.42%
EBITDA Margin EBITDA Margin n/a Close	n/a
EBIT Margin EBIT Margin n/a Close	49.83%
FCF Margin FCF Margin n/a Close	38.26%

Dividends & Yields

UBFO pays an annual dividend of $0.6, which amounts to a dividend yield of 6.11%.

Dividend Per Share Dividend Per Share n/a Close	$0.60
Dividend Yield Dividend Yield n/a Close	6.11%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	0%
Payout Ratio Payout Ratio n/a Close	75.95%
Earnings Yield Earnings Yield n/a Close	8.52%
FCF Yield FCF Yield n/a Close	10.71%

Dividend Details

Analyst Forecast

Currently there are no analyst rating for UBFO.

Price Target Price Target n/a Close	n/a
Price Target Difference Price Target Difference n/a Close	n/a
Analyst Consensus Analyst Consensus n/a Close	n/a
Analyst Count Analyst Count n/a Close	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$8.75
Lynch Upside Lynch Upside n/a Close	7.89%
Graham Number Graham Number n/a Close	12.11
Graham Upside Graham Upside n/a Close	49.32%

Stock Splits

The last stock split was on May 2, 2006. It was a forward split with a ratio of 2:1.

Last Split Date Last Split Date n/a Close	May 2, 2006
Split Type Split Type n/a Close	forward
Split Ratio Split Ratio n/a Close	2:1

Scores

Altman Z-Score Altman Z-Score n/a Close	-0.58
Piotroski F-Score Piotroski F-Score n/a Close	5