United Security Bancshares (UBFO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
United Security Bancshares stock (UBFO) is currently trading at $10.31. United Security Bancshares PE ratio is 14.97. United Security Bancshares PS ratio (Price-to-Sales) is 3.75. WallStSmart rates UBFO as Underperform.
- UBFO PE ratio analysis and historical PE chart
- UBFO PS ratio (Price-to-Sales) history and trend
- UBFO intrinsic value — DCF, Graham Number, EPV models
- UBFO stock price prediction 2025 2026 2027 2028 2029 2030
- UBFO fair value vs current price
- UBFO insider transactions and insider buying
- Is UBFO undervalued or overvalued?
- United Security Bancshares financial analysis — revenue, earnings, cash flow
- UBFO Piotroski F-Score and Altman Z-Score
- UBFO analyst price target and Smart Rating
United Security Bancshares
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UBFO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · United Security Bancshares (UBFO)
UBFO trades 20% above its Graham fair value of $9.10, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
United Security Bancshares (UBFO) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
United Security Bancshares (UBFO) Key Strengths (3)
Keeps $45 of every $100 in revenue after operating costs
Keeps $25 of every $100 in revenue as net profit
Trading at 1.27x book value, attractively priced
Supporting Valuation Data
United Security Bancshares (UBFO) Areas to Watch (6)
Earnings barely growing at 4.50%
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Modest revenue growth at 6.60%
Revenue is fairly priced at 3.75x sales
Moderate institutional interest at 36.03%
Supporting Valuation Data
United Security Bancshares (UBFO) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.27) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 44.60%, Profit Margin at 24.80%.
The Bear Case
The primary concerns are EPS Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.75) suggest expensive pricing. Growth concerns include Revenue Growth at 6.60%, EPS Growth at 4.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.42%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.42% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (EPS Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
UBFO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
UBFO's Price-to-Sales ratio of 3.75x trades at a 17% premium to its historical average of 3.2x (67th percentile). The current valuation is 46% below its historical high of 6.89x set in Feb 2007, and 358% above its historical low of 0.82x in Oct 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for United Security Bancshares (UBFO) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
United Security Bancshares is a mature, profitable business with steady cash generation. Revenue reached 46M with 7% growth year-over-year. Profit margins are strong at 24.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 842.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 24.8% and operating margin of 44.6% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 4.9%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact United Security Bancshares.
Bottom Line
United Security Bancshares is a well-established business delivering consistent profitability with 24.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About United Security Bancshares(UBFO)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
United Security Bancshares is the banking holding company for United Security Bank, a state-licensed bank that provides a variety of commercial banking services to the business and professional community and individuals in California. The company is headquartered in Fresno, California.