United Security Return On Asset vs. Profit Margin

UBFO Stock  USD 10.31  0.01  0.1%   
Based on the key profitability measurements obtained from United Security's financial statements, United Security Bancshares may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in January. Profitability indicators assess United Security's ability to earn profits and add value for shareholders. As of the 15th of December 2024, EV To Sales is likely to grow to 3.39, while Price To Sales Ratio is likely to drop 2.56. At this time, United Security's Operating Income is very stable compared to the past year. As of the 15th of December 2024, Income Before Tax is likely to grow to about 28.8 M, though Accumulated Other Comprehensive Income is likely to grow to (14.3 M).
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin1.11.15
Sufficiently Down
Slightly volatile
For United Security profitability analysis, we use financial ratios and fundamental drivers that measure the ability of United Security to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well United Security Bancshares utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between United Security's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of United Security Bancshares over time as well as its relative position and ranking within its peers.
  
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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.
Please note, there is a significant difference between United Security's value and its price as these two are different measures arrived at by different 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.

United Security Banc Profit Margin vs. Return On Asset Fundamental Analysis

Comparative valuation techniques use various fundamental indicators to help in determining United Security's current stock value. Our valuation model uses many indicators to compare United Security value to that of its competitors to determine the firm's financial worth.
United Security Bancshares is rated first in return on asset category among its peers. It is rated third in profit margin category among its peers fabricating about  24.31  of Profit Margin per Return On Asset. At this time, United Security's Net Profit Margin is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the United Security's earnings, one of the primary drivers of an investment's value.

United Profit Margin vs. Return On Asset

Return on Asset or ROA shows how effective is the management of the company in generating income from utilizing all of the assets at their disposal. It is a useful ratio to evaluate the performance of different departments of a company as well as to understand management performance over time.

United Security

Return On Asset

 = 

Net Income

Total Assets

 = 
0.014
Return on Asset measures overall efficiency of a company in generating profits from its total assets. It is expressed as the percentage of profits earned per dollar of Asset. A low ROA typically means that a company is asset-intensive and therefore will needs more money to continue generating revenue in the future.
Profit Margin measures overall efficiency of a company and shows its ability to withstand competition as well as defend against adverse conditions such as rising costs, falling prices, decline in sales or management distress. Profit margin tells investors how well the company executes on its overall pricing strategies as well as how effective the company in controlling its costs.

United Security

Profit Margin

 = 

Net Income

Revenue

X

100

 = 
0.34 %
In a nutshell, Profit Margin indicator shows the amount of money the company makes from total sales or revenue. It can provide a good insight into companies in the same sector, as well as help to identify trends of a company from year to year.

United Profit Margin Comparison

United Security is currently under evaluation in profit margin category among its peers.

United Security Profitability Projections

The most important aspect of a successful company is its ability to generate a profit. For investors in United Security, profitability is also one of the essential criteria for including it into their portfolios because, without profit, United Security will eventually generate negative long term returns. The profitability progress is the general direction of United Security's change in net profit over the period of time. It can combine multiple indicators of United Security, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
Last ReportedProjected for Next Year
Accumulated Other Comprehensive Income-15 M-14.3 M
Operating Income56.6 M59.4 M
Income Before Tax27.5 M28.8 M
Total Other Income Expense Net27.5 M28.8 M
Net Income19.8 M20.8 M
Income Tax Expense7.7 M4.1 M
Net Income Applicable To Common Shares18 M18.9 M
Net Income From Continuing Ops19.7 M12.9 M
Net Interest Income50.9 M39.1 M
Interest Income59.7 M42.5 M
Change To Netincome2.5 M1.5 M
Net Income Per Share 1.16  1.21 
Income Quality 1.08  0.81 
Net Income Per E B T 0.72  0.54 

United Profitability Driver Comparison

Profitability drivers are factors that can directly affect your investment outlook on United Security. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of United Security position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the United Security's important profitability drivers and their relationship over time.

Use United Security in pair-trading

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if United Security position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in United Security will appreciate offsetting losses from the drop in the long position's value.

United Security Pair Trading

United Security Bancshares Pair Trading Analysis

The ability to find closely correlated positions to United Security could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace United Security when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back United Security - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling United Security Bancshares to buy it.
The correlation of United Security is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as United Security moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if United Security Banc moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for United Security can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching

Use Investing Themes to Complement your United Security position

In addition to having United Security in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

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Cleaning
Cleaning Theme
Compnanies producing and distributing cleaning products, supplies, and accessories. The Cleaning theme has 42 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Cleaning Theme or any other thematic opportunities.
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When determining whether United Security Banc offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of United Security's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of United Security Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on United Security Bancshares Stock:
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You can also try the Portfolio Center module to all portfolio management and optimization tools to improve performance of your portfolios.
To fully project United Security's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of United Security Banc at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include United Security's income statement, its balance sheet, and the statement of cash flows.
Potential United Security investors and stakeholders can use historical trends found within financial statements to determine how well the company is positioned for the future. Although United Security investors may work on each financial statement separately, they are all related. The changes in United Security's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on United Security's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.