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How to buy United Security Bancshares stock

Own United Security Bancshares stock in just a few minutes.

Fact checked

United Security Bancshares is a banks-regional business based in the US. United Security Bancshares shares (UBFO) are listed on the NASDAQ and all prices are listed in US Dollars.

How to buy shares in United Security Bancshares

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for United Security Bancshares. Find the stock by name or ticker symbol: UBFO. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until United Security Bancshares reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of United Security Bancshares, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of United Security Bancshares. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

United Security Bancshares share price

Use our graph to track the performance of UBFO stocks over time.

United Security Bancshares shares at a glance

Information last updated 2021-02-24.
52-week rangeUSD$4.7122 - USD$9.0225
50-day moving average USD$7.0794
200-day moving average USD$6.6684
Wall St. target priceN/A
PE ratio 14.1856
Dividend yield USD$0.44 (5.97%)
Earnings per share (TTM) USD$0.528

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy United Security Bancshares stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is United Security Bancshares under- or over-valued?

Valuing United Security Bancshares stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of United Security Bancshares's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

United Security Bancshares's P/E ratio

United Security Bancshares's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 14x. In other words, United Security Bancshares shares trade at around 14x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

United Security Bancshares financials

Revenue TTM USD$33.7 million
Operating margin TTM 40.14%
Gross profit TTM USD$33.7 million
Return on assets TTM 0.87%
Return on equity TTM 7.67%
Profit margin 26.58%
Book value $6.926
Market capitalisation USD$127.4 million

TTM: trailing 12 months

Shorting United Security Bancshares shares

There are currently 146,340 United Security Bancshares shares held short by investors – that's known as United Security Bancshares's "short interest". This figure is 7.7% up from 135,846 last month.

There are a few different ways that this level of interest in shorting United Security Bancshares shares can be evaluated.

United Security Bancshares's "short interest ratio" (SIR)

United Security Bancshares's "short interest ratio" (SIR) is the quantity of United Security Bancshares shares currently shorted divided by the average quantity of United Security Bancshares shares traded daily (recently around 40203.296703297). United Security Bancshares's SIR currently stands at 3.64. In other words for every 100,000 United Security Bancshares shares traded daily on the market, roughly 3640 shares are currently held short.

However United Security Bancshares's short interest can also be evaluated against the total number of United Security Bancshares shares, or, against the total number of tradable United Security Bancshares shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case United Security Bancshares's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 United Security Bancshares shares in existence, roughly 10 shares are currently held short) or 0.011% of the tradable shares (for every 100,000 tradable United Security Bancshares shares, roughly 11 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against United Security Bancshares.

Find out more about how you can short United Security Bancshares stock.

United Security Bancshares share dividends

Dividend payout ratio: 122.73% of net profits

Recently United Security Bancshares has paid out, on average, around 122.73% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 6.39% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), United Security Bancshares shareholders could enjoy a 6.39% return on their shares, in the form of dividend payments. In United Security Bancshares's case, that would currently equate to about $0.44 per share.

United Security Bancshares's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

United Security Bancshares's most recent dividend payout was on 19 January 2021. The latest dividend was paid out to all shareholders who bought their shares by 31 December 2020 (the "ex-dividend date").

Have United Security Bancshares's shares ever split?

United Security Bancshares's shares were split on a 101:100 basis on 5 April 2017. So if you had owned 100 shares the day before before the split, the next day you'd have owned 101 shares. This wouldn't directly have changed the overall worth of your United Security Bancshares shares – just the quantity. However, indirectly, the new 1% lower share price could have impacted the market appetite for United Security Bancshares shares which in turn could have impacted United Security Bancshares's share price.

United Security Bancshares share price volatility

Over the last 12 months, United Security Bancshares's shares have ranged in value from as little as $4.7122 up to $9.0225. A popular way to gauge a stock's volatility is its "beta".

UBFO.US volatility(beta: 0.74)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while United Security Bancshares's is 0.7433. This would suggest that United Security Bancshares's shares are less volatile than average (for this exchange).

United Security Bancshares overview

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 offers real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company provides online and mobile banking, safe deposit boxes, payroll direct deposit, cashier's check, cash management, traveler's check, money order, foreign draft, and interactive teller and ATM services. As of October 15, 2020, it operated through 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.

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