Fundamental Analysis of United Security Bancshares - Growth / Value Index


UBFO - Valuation Highlights

Valuation Analysis

   Tsr Value Index - Excellent Score of 81.25
   Undervalued - Price to Intrinsic Value of 0.194
   Price to Earning Ratio is 7.02 and EV to EBITDA is 11.63 suggesting company is undervalued.
   Price to Book Ratio is 0.357 indicating that it is undervalued.
   Book Value in last 3 years is trending up
Valuation Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Price to Earning 6.99 6.31 -19.93 %
Price to Book 0.356 1.02 -7.54 % 1.01
Price to Sales 2.11 2.29 -11.46 %
Enterprise Value to EBITDA Multiple 11.60 8.09 108.53 %


UBFO - Profitability Highlights

Profitability Analysis

   Gives Dividend Yield of 6.62 %
   Earning Yield of 14.25 %
   Tremendous increasing trend in Net Profit for last 3 year
   Excellent Net Margin for last 3 years
   Company Earning excess return
   During the past twelve months, the company has given a strong Net Margin of 30.19%
   All key Trailing Twelve Months Margin growing by 15 %
   EBITDA is continuously increasing for last 3 Years
   Good Return On Capital Employed of 10.08
   Good Return on Equity of 15.10% is achieved by the company
   Tsr Profitability Index - Poor Score of 34.38
   In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Return On Equity 15.10 16.11 15.47 % 3.35
Return On Asset 1.43 1.63 34.98 % 0.345
Net Profit Margin 30.19 36.28 10.57 % 25.69
Operating Profit Margin 44.61 104.00 10.25 % 0
EBITDA Margin 34.97 54.15 2.51 % 0


Highlights
Market Cap125881 K
Enterprise Value239671 K
Price/Book TTM0.356
Outstanding Share17315.20 K
Float/ Outstanding Share79.79%
Dividend Yield6.52 %
Share Holding
Guru Numbers
Price/Graham No0.562
Peter Lynch Ratio3.57
Piotroski F Score6.00
Altman Z Score0.278
Sloan Ratio-0.0030
Peter Lynch Fair Value0


UBFO - Growth Highlights

Growth Analysis

   Annual sales of the company is increased for three years in a row
   Tsr Growth Index - Poor Score of 29.39
Growth Key Fields
Field TTM YoY Growth QoQ Growth
Revenue 59070.00 K 13.79 % 6.73 %
Gross Profit 59070.00 K 37.16 % 6.73 %
EBITDA 20654.00 K 16.65 % 100.00 %
Net Profit 17831.00 K 25.82 % 22.94 %
EPS 1.04 24.89 % NA


UBFO - Stability Highlights

Stability Analysis

   Altman Z Score of 0.278 suggest high risk
Stability Key Ratios
Ratio Latest FY Yoy Change MRQ
Debt to Equity Ratio 0.597 417.81 % 0.921
Cash Ratio -0.087 -100.07 %
Quick Ratio 0.0444 -99.96 % 0.236
Shareholders Equity 10.12 16.89 %
Debt to EBITDA 2.49 383.68 %


Historical Valuation Ratios of United Security Bancshares

Historical Valuation Ratios
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Historical Profitability Ratios of United Security Bancshares

Historical Profitability Ratios
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Historical Efficiency Ratios of United Security Bancshares

Historical Efficiency Ratios
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Historical Solvency Ratios of United Security Bancshares

Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)