Trade

with

United Security Bancshares
(NASDAQ: UBFO)
AdChoices
5.55
-0.05
-0.89%
After Hours :
-
-
-

Open

5.60

Previous Close

5.60

Volume (Avg)

34.02k (6.65k)

Day's Range

5.35-5.60

52Wk Range

4.23-6.16

Market Cap.

85.39M

Dividend Rate ( Yield )

-

Beta

1.01

Shares Outstanding

15.25M

P/E Ratio (EPS)

11.12 (0.50)

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
  • Management effectiveness
Industry Banks – Regional – US
Highlights
Analyst Recommendation: Not Available
    • Revenue

    • 25.36M

    • Net Income

    • 7.27M

    • Market Cap.

    • 85.39M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 28.36

    • PEG (Price/Earnings Growth) Ratio

    • -

    • Beta

    • 1.01

    • Forward P/E

    • -

    • Price/Sales

    • 3.16

    • Price/Book Value

    • 1.07

    • Price/Cash flow

    • 7.33

      • EBITDA

      • 8.85M

      • Return on Capital %

      • 1.20

      • Return on Equity %

      • 10.25

      • Return on Assets %

      • 1.20

      • Book Value/Share

      • 5.22

      • Shares Outstanding

      • 15.25M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.10 (7/9/2008)

      • Dividend Declaration Date

      • 6/24/2008

      Analyst Recommendation
      -
      Not Available
        • 1 Year Price Target

        • -

        • Credit Rating

        • -

        • Analysts

        • 0

        • EPS Estimate

        • -

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • 24.40

          • -0.66

          • Net Income

            YTD/YTD (last year)

          • 19.80

          • 7.93

          • Net Income

            Q/Q (last year)

          • 46.50

          • -2.61

          • Sales (Revenue)

            5-Year Annual Average

          • -8.04

          • -11.83

          • Net Income

            5-Year Annual Average

          • 12.30

          • 6.49

          • Dividends

            5-Year Annual Average

          • -

          • 33.22

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • -

            • Pre-Tax Margin

            • 30.03

            • 36.31

            • Net Profit Margin

            • 28.36

            • 25.32

            • Average Gross Margin

              5-Year Annual Average

            • -

            • -

            • Average Pre-Tax Margin

              5-Year Annual Average

            • -5.20

            • 25.85

            • Average Net Profit Margin

              5-Year Annual Average

            • -2.10

            • 127.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 0.13

              • 0.74

              • Current Ratio

              • -

              • -

              • Quick Ratio

              • -

              • -

              • Interest Coverage

              • -

              • -

              • Leverage Ratio

              • 8.21

              • 8.88

              • Book Value/Share

              • 5.22

              • 19.98

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 10.93

                • 15.08

                • P/E Ratio 5-Year High

                • 12.24

                • 1,590.26

                • P/E Ratio 5-Year Low

                • 3.08

                • 247.77

                • Price/Sales Ratio

                • 3.10

                • 3.17

                • Price/Book Value

                • 1.05

                • 1.23

                • Price/Cash Flow Ratio

                • 7.33

                • 7.89

                • Key Metrics

                • Company

                  • Shares Short

                    as of -

                  • -

                  • Short Ratio

                    as of -

                  • -

                  • Short % of Float

                    as of -

                  • -

                  • Shares Short

                    prior month

                  • -

                  • Trailing Annual Dividend Yield

                  • -

                  • 5 Year Average Dividend Yield

                  • -

                  • Key Metrics

                  • Company

                    • Payout Ratio

                    • 0.00

                    • Dividend Date

                    • 6/24/2008

                    • Ex-Dividend Date

                    • 7/9/2008

                    • Last Split Factor

                      new per old

                    • -

                    • Last Split Date

                    • -

                    • Key Metrics

                    • Company

                    • Industry

                      • Return on Equity %

                        (5-Year Average)

                      • 10.25

                        (-1.70)

                      • 11.32

                        (9.64)

                      • Return on Assets %

                        (5-Year Average)

                      • 1.20

                        (-0.20)

                      • 1.26

                        (0.99)

                      • Return on Capital %

                        (5-Year Average)

                      • 10.50

                        (2.20)

                      • 5.43

                        (3.93)

                      • Income/Employee

                      • 56.18k

                      • 57.85k

                      • Inventory Turnover

                      • -

                      • -

                      • Asset Turnover

                      • 0.04

                      • 0.05

                      Current Historical
                      Financials
                      • Income Statement
                      • Balance Sheet
                      • Cash Flow
                      Operating Income
                      7.37M
                      Operating Margin
                      29.08
                      Total Equity
                      -
                      Retained Earnings
                      -
                      Free Cashflow
                      -
                      Price/Cashflow
                      7.33
                      Ownership

                      Institutional Ownership

                      9.60%

                      Top 10 Institutions

                      8.87%

                      Mutual Fund Ownership

                      3.44%

                      Float

                      70.94%

                      5% / Insider Ownership

                      26.77%

                      Corporate insiders or major stockholders reporting trading activity in the stock.

                      Top Mutual Fund Owners

                      Top Institutional Owners

                      Mutual Fund Name

                      Institution Name

                      • Mutual Fund Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • Vanguard Extended Market Index Fund

                      •  

                        189,399

                      • 0.00

                      • 1.25

                      • DFA U.S. Micro Cap Portfolio

                      •  

                        112,481

                      • 0.00

                      • 0.75

                      • DFA Tax Managed U.S. Small Cap Portfolio

                      •  

                        42,134

                      • 0.00

                      • 0.28

                      • iShares Micro-Cap

                      •  

                        29,738

                      • 0.00

                      • 0.20

                      • DFA U.S. Small Cap Portfolio

                      •  

                        28,583

                      • 0.00

                      • 0.19

                      • VALIC Company I Small Cap

                      •  

                        20,939

                      • 0.00

                      • 0.14

                      • The Vanguard - Total Stk Mkt Idx Trust. CF

                      •  

                        20,571

                      • 0.00

                      • 0.14

                      • DFA U.S. Vector Equity Fund

                      •  

                        10,885

                      • 0.00

                      • 0.07

                      • DFA US Small Cap Value II Portfolio

                      •  

                        8,880

                      • 0.00

                      • 0.06

                      • DFA U.S. Core Equity II Fund

                      •  

                        8,774

                      • 0.00

                      • 0.06

                      • Institution Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • Dimensional Fund Advisors, Inc.

                      •  

                        320,007

                      • -0.25%

                      • 2.14

                      • Elizabeth Park Capital Advisors, Ltd

                      •  

                        275,759

                      • +31.85%

                      • 1.84

                      • Vanguard Group, Inc.

                      •  

                        208,392

                      • +0.24%

                      • 1.39

                      • AllianceBernstein LP

                      •  

                        115,000

                      • +24,738.01%

                      • 0.77

                      • Ycmnet Advisors Inc

                      •  

                        82,724

                      • 0.00%

                      • 0.55

                      • California Public Employees Retrmnt Sys

                      •  

                        67,629

                      • 0.00%

                      • 0.45

                      • Sandler O'Neill Asset Management Llc

                      •  

                        66,652

                      • +0.91%

                      • 0.45

                      • Renaissance Technologies Corp

                      •  

                        45,509

                      • +5.57%

                      • 0.30

                      • BlackRock Fund Advisors

                      •  

                        30,615

                      • +2.93%

                      • 0.20

                      Company Profile

                      Sector

                      Financial Services

                      Industry

                      Banks – Regional – US

                      Type

                      Cyclical

                      Style

                      Small Value

                      United Security Bancshares is a bank holding company, incorporated in the state of California in March of 2001 for the purpose of acquiring all the capital stock of the Bank through a holding company reorganization of the United Secu...morerity Bank (the “Bank”). The Bank is a California state-chartered bank. The Bank operates three branches (including its main office), one construction lending office, and one financial services office in Fresno and one branch each, in Oakhurst, Caruthers, San Joaquin, Firebaugh, Coalinga, Bakersfield, Taft, and Campbell. It is engaged in lending activities, including real estate mortgage, commercial and industrial, real estate construction, agricultural, lease financing and consumer loans, with particular emphasis on short and medium term obligations. It offers deposit in...morestruments which include personal and business checking accounts and savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts and time certificates of deposit. The Bank's deposits are attracted from individuals and from small and medium-sized business-related sources. The Bank also offers specialized services designed to attract and service the needs of commercial customers and account holders, these services include online banking, safe deposit boxes, ATM services, payroll direct deposit, cashier's checks, traveler's checks, money orders, and foreign drafts. In addition, the Bank offers Internet banking services to its commercial and retail customers, and offers certain financial and wealth management services through its financial services department. The Bank also offers a variety of specialized financial services, including wealth management, employee benefit, insurance and loan products, as well as consulting services for a variety of clients. The Company’s primary market area is located in Fresno, Madera, and Kern Counties. The Company competes for loans and deposits with other commercial banks, savings and loan associations, finance companies, money market funds, credit unions and other financial institutions.lessless

                      Key People

                      Dennis R. Woods

                      CEO/Chairman of the Board/President/Director/CEO, Subsidiary/Chairman of the Board, Subsidiary/President, Subsidiary

                      Ronnie D. Miller

                      Director/Vice Chairman of the Board

                      Kenneth (Ken) L. Donahue

                      Chief Accounting Officer/Chief Administrative Officer/Executive VP/Executive VP, Subsidiary/Other Executive Officer

                      Porsche A. Saunders

                      Vice President, Subsidiary

                      Tom Ellithorpe

                      Director

                      Incorporated

                      2001

                      Employees

                      138

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