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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.
|52-week range||USD$4.7122 - USD$9.0225|
|50-day moving average||USD$7.0794|
|200-day moving average||USD$6.6684|
|Wall St. target price||N/A|
|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.
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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.
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 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.
|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%|
|Market capitalisation||USD$127.4 million|
TTM: trailing 12 months
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) 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.
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").
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.
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".
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 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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