Is United Security Stock a Good Investment?
United Security Investment Advice | UBFO |
- Examine United Security's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research United Security's leadership team and their track record. Good management can help United Security navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact United Security's business and its evolving consumer preferences.
- Compare United Security's performance and market position to its competitors. Analyze how United Security is positioned in terms of product offerings, innovation, and market share.
- Check if United Security pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about United Security's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in United Security Bancshares stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if United Security Bancshares is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Solid | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Follows the market closely | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine United Security Stock
Researching United Security's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 21.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.34. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. United Security Banc last dividend was issued on the 7th of October 2024. The entity had 101:100 split on the 5th of April 2017.
To determine if United Security is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding United Security's research are outlined below:
| United Security Banc has a poor financial position based on the latest SEC disclosures | |
| About 21.0% of the company outstanding shares are owned by insiders | |
| On 23rd of October 2024 United Security paid $ 0.12 per share dividend to its current shareholders | |
| Latest headline from MacroaxisInsider: Acquisition by Porsche Saunders of tradable shares of United Security at 7.44 subject to Rule 16b-3 |
United Security uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in United Security Bancshares. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to United Security's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 24th of April 2024 Upcoming Quarterly Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View |
Know United Security's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as United Security is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading United Security Bancshares backward and forwards among themselves. United Security's institutional investor refers to the entity that pools money to purchase United Security's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | American Century Companies Inc | 2024-09-30 | 84.8 K | Private Wealth Advisors, Llc | 2024-09-30 | 83 K | Kennedy Capital Management Inc | 2024-09-30 | 77.9 K | Empowered Funds, Llc | 2024-09-30 | 49.2 K | Susquehanna International Group, Llp | 2024-09-30 | 45.4 K | Planning Center, Inc. | 2024-09-30 | 36 K | Kestra Private Wealth Services, Llc | 2024-09-30 | 35.8 K | Qube Research & Technologies | 2024-09-30 | 34.3 K | State Street Corp | 2024-09-30 | 31.8 K | Bridgewealth Advisory Group Llc | 2024-09-30 | 1.2 M | Dimensional Fund Advisors, Inc. | 2024-09-30 | 869.9 K |
United Security's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 164.22 M.Market Cap |
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United Security's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.02 | 0.01 | |
| Return On Capital Employed | 0.02 | 0.05 | |
| Return On Assets | 0.02 | 0.01 | |
| Return On Equity | 0.16 | 0.11 |
Determining United Security's profitability involves analyzing its financial statements and using various financial metrics to determine if United Security is a good buy. For example, gross profit margin measures United Security's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of United Security's profitability and make more informed investment decisions.
Evaluate United Security's management efficiency
United Security Banc has return on total asset (ROA) of 0.014 % which means that it generated a profit of $0.014 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1427 %, meaning that it created $0.1427 on every $100 dollars invested by stockholders. United Security's management efficiency ratios could be used to measure how well United Security manages its routine affairs as well as how well it operates its assets and liabilities. As of the 14th of December 2024, Return On Capital Employed is likely to grow to 0.05, while Return On Tangible Assets are likely to drop 0.01. At this time, United Security's Non Current Assets Total are very stable compared to the past year. As of the 14th of December 2024, Non Currrent Assets Other is likely to grow to about 1.2 B, while Total Assets are likely to drop about 802.4 M.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 7.16 | 5.85 | |
| Tangible Book Value Per Share | 6.90 | 5.62 | |
| Enterprise Value Over EBITDA | 6.01 | 6.31 | |
| Price Book Value Ratio | 1.17 | 1.98 | |
| Enterprise Value Multiple | 6.01 | 6.31 | |
| Price Fair Value | 1.17 | 1.98 | |
| Enterprise Value | 177.8 M | 186.7 M |
The strategic decisions made by United Security management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield 0.0508 | Forward Dividend Yield 0.0508 | Forward Dividend Rate 0.48 | Beta 0.56 |
Basic technical analysis of United Stock
As of the 14th of December 2024, United Security has the Coefficient Of Variation of 382.04, semi deviation of 0.995, and Risk Adjusted Performance of 0.1948. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Security Banc, as well as the relationship between them.United Security's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific United Security insiders, such as employees or executives, is commonly permitted as long as it does not rely on United Security's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases United Security insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
United Security's Outstanding Corporate Bonds
United Security issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. United Security Banc uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most United bonds can be classified according to their maturity, which is the date when United Security Bancshares has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
Understand United Security's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing United Security's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1948 | |||
| Market Risk Adjusted Performance | (2.81) | |||
| Mean Deviation | 0.9673 | |||
| Semi Deviation | 0.995 | |||
| Downside Deviation | 1.54 | |||
| Coefficient Of Variation | 382.04 | |||
| Standard Deviation | 1.45 | |||
| Variance | 2.09 | |||
| Information Ratio | 0.1926 | |||
| Jensen Alpha | 0.3805 | |||
| Total Risk Alpha | 0.1889 | |||
| Sortino Ratio | 0.1812 | |||
| Treynor Ratio | (2.82) | |||
| Maximum Drawdown | 10.3 | |||
| Value At Risk | (1.60) | |||
| Potential Upside | 2.14 | |||
| Downside Variance | 2.36 | |||
| Semi Variance | 0.9901 | |||
| Expected Short fall | (1.06) | |||
| Skewness | 0.3017 | |||
| Kurtosis | 4.93 |
| Risk Adjusted Performance | 0.1948 | |||
| Market Risk Adjusted Performance | (2.81) | |||
| Mean Deviation | 0.9673 | |||
| Semi Deviation | 0.995 | |||
| Downside Deviation | 1.54 | |||
| Coefficient Of Variation | 382.04 | |||
| Standard Deviation | 1.45 | |||
| Variance | 2.09 | |||
| Information Ratio | 0.1926 | |||
| Jensen Alpha | 0.3805 | |||
| Total Risk Alpha | 0.1889 | |||
| Sortino Ratio | 0.1812 | |||
| Treynor Ratio | (2.82) | |||
| Maximum Drawdown | 10.3 | |||
| Value At Risk | (1.60) | |||
| Potential Upside | 2.14 | |||
| Downside Variance | 2.36 | |||
| Semi Variance | 0.9901 | |||
| Expected Short fall | (1.06) | |||
| Skewness | 0.3017 | |||
| Kurtosis | 4.93 |
Consider United Security's intraday indicators
United Security intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of United Security stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
United Security Corporate Filings
F4 | 6th of December 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10K | 6th of November 2024 An amendment to a previously filed Form 10-K | ViewVerify |
13A | 31st of October 2024 The form used by investors holding more than 5% of a company's stock, to report their beneficial ownership pursuant to Rule 13d-1 or Rule 13d-2 under the Securities Exchange Act of 1934 | ViewVerify |
8K | 18th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
United Stock media impact
Far too much social signal, news, headlines, and media speculation about United Security that are available to investors today. That information is available publicly through United media outlets and privately through word of mouth or via United internal channels. However, regardless of the origin, that massive amount of United data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of United Security news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of United Security relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to United Security's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive United Security alpha.
United Security Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards United Security can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
United Security Corporate Management
| Porsche Saunders | VP of Real Estate Construction Department - United Security Bank | Profile | |
| Dana Paull | VP Manager | Profile | |
| Jeremy CPA | VP Controller | Profile | |
| Ellie Rosenberg | VP Director | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in United Security Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census. You can also try the Portfolio Optimization module to compute new portfolio that will generate highest expected return given your specified tolerance for risk.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of United Security. If investors know United will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about United Security listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Dividend Share 0.48 | Earnings Share 1.04 | Revenue Per Share 3.026 | Quarterly Revenue Growth 0.02 | Return On Assets 0.014 |
The market value of United Security Banc is measured differently than its book value, which is the value of United that is recorded on the company's balance sheet. Investors also form their own opinion of United Security's value that differs from its market value or its book value, called intrinsic value, which is United Security's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because United Security's market value can be influenced by many factors that don't directly affect United Security's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between United Security's value and its price, as these two are different measures arrived at by various means. Investors typically determine if United Security is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, United Security's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.