United Security Valuation
| UBFO Stock | USD 10.30 0.13 1.28% |
At this time, the company appears to be undervalued. United Security Banc has a current Real Value of $11.51 per share. The regular price of the company is $10.3. Our model measures the value of United Security Banc from inspecting the company fundamentals such as Return On Equity of 0.14, operating margin of 0.43 %, and Shares Outstanding of 17.32 M as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting United Security's valuation include:
Price Book 1.343 | Enterprise Value 165 M | Price Sales 3.4371 | Trailing PE 9.1154 | Enterprise Value Revenue 4.1646 |
Undervalued
Today
Please note that United Security's price fluctuation is not too volatile at this time. Calculation of the real value of United Security Banc is based on 3 months time horizon. Increasing United Security's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since United Security is currently traded on the exchange, buyers and sellers on that exchange determine the market value of United Stock. However, United Security's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 10.3 | Real 11.51 | Hype 10.3 |
The intrinsic value of United Security's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence United Security's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of United Security Bancshares helps investors to forecast how United stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of United Security more accurately as focusing exclusively on United Security's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use United Security's intrinsic value based on its ongoing forecasts of United Security's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against United Security's closest peers.
United Security Cash |
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United Valuation Trend
Knowing United Security's actual value is paramount for traders when making sound investment determinations. Using both United Security's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
United Security Total Value Analysis
United Security Bancshares is at this time forecasted to have valuation of 164.96 M with market capitalization of 164.22 M, debt of 74.65 M, and cash on hands of 126.03 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the United Security fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
164.96 M | 164.22 M | 74.65 M | 126.03 M |
United Security Investor Information
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. Based on the key measurements obtained from United Security's financial statements, United Security Bancshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 13.6 M | 21.4 M |
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United Security Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. United Security has an asset utilization ratio of 5.39 percent. This suggests that the Company is making $0.0539 for each dollar of assets. An increasing asset utilization means that United Security Bancshares is more efficient with each dollar of assets it utilizes for everyday operations.United Security Ownership Allocation
United Security Banc shows a total of 17.32 Million outstanding shares. United Security Banc maintains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.United Security Profitability Analysis
The company reported the previous year's revenue of 65.43 M. Net Income was 19.8 M with profit before overhead, payroll, taxes, and interest of 46.1 M.United Security Past Distributions to stockholders
About United Security Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of United Security Bancshares. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of United Security Banc based exclusively on its fundamental and basic technical indicators. By analyzing United Security's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of United Security's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of United Security. We calculate exposure to United Security's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of United Security's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 65.4 M | 35.7 M | |
| Pretax Profit Margin | 0.51 | 0.50 | |
| Operating Profit Margin | 0.53 | 0.80 | |
| Net Profit Margin | 0.37 | 0.32 | |
| Gross Profit Margin | 1.15 | 1.10 |
United Security Quarterly Retained Earnings |
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A single share of United Security represents a small ownership stake in the entity. As a stockholder of United, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
United Security Dividends Analysis For Valuation
As of the 13th of December 2024, Dividend Yield is likely to grow to 0.06, while Dividends Paid is likely to drop about 4.1 M. . At this time, United Security's Earnings Yield is very stable compared to the past year. As of the 13th of December 2024, Price Earnings Ratio is likely to grow to 13.59, while Retained Earnings are likely to drop about 45.1 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 7.9 M | 4.1 M | |
| Dividend Yield | 0.05 | 0.06 | |
| Dividend Payout Ratio | 0.40 | 0.37 | |
| Dividend Paid And Capex Coverage Ratio | 2.47 | 2.35 |
There are various types of dividends United Security can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of United shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from United Security Bancshares directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When United pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of United Security by the value of the dividends paid out.
United Security Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 17.1 M |
United Security Current Valuation Indicators
United Security's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final United Security's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as United Security, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use United Security's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes United Security's worth.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: 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 Transaction History module to view history of all your transactions and understand their impact on performance.
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.