United Security Bancshares (UBFO) Key Ratios

Stock Card

$10.51

$0.00 (0.00%)

As on 01-Apr-2026 09:30EDT

Market cap

$185 Mln

Revenue (TTM)

$64 Mln

P/E Ratio

P/B Ratio

1.3

Div. Yield

4.6 %

Key Ratios and Highlights

Growth Score (%)	Quarterly		Annual (TTM)
Particulars	QoQ	YoY	1-Year	3-Years	5-Years
Revenue	3.95	6.15	-1.84	8.01	9.96
EBIT	--	--	-38.82	-17.40	0.03
Net Profit	-15.14	36.83	-16.87	-7.82	6.52
EPS	-15.00	36.58	-17.25	-8.19	6.18
Book Value	--	--	6.95	7.08	3.16

Key Ratios (%)	Average		Annual (TTM)
Particulars	3-Years	5-Years	Dec-25	Dec-24	Dec-23
EBIT-Margin	36.35	37.10	--	31.04	41.66
Net Margin	--	--	--	--	--
Return on equity	12.55	11.92	9.10	11.69	16.85
Return on Capital	9.72	9.77	8.25	8.64	12.27
Return on Assets	1.27	1.16	1.00	1.22	1.58
Debt to Equity (x)	--	--	0.09	0.11	0.61

Profitability

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ROCE

8.25

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	8.25	8.64	12.27	12.09	7.60
Peer Median	--	--	--	--	--

ROE

9.10

Profit after tax / Average Net worth * 100

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	9.10	11.69	16.85	13.48	8.49
Peer Median	--	--	--	--	--

ROA

1.00

Profit after tax / Average Total assets * 100

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	1.00	1.22	1.58	1.19	0.83
Peer Median	--	--	--	--	--

EBIT Margin

Operating profit (EBIT) / Net Sales * 100

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	31.04	41.66	43.25	32.45
Peer Median	--	--	--	--	--

Net Margin

18.65

Net profit / Total Income (Net sales plus other income) * 100

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	18.65	22.58	30.02	30.76	24.61
Peer Median	--	--	--	--	--

Growth

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Revenue Growth

0.01

Year on year growth in net sales

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	0.01	-0.01	0.29	0.24	0.03
Peer Median	--	--	--	--	--

EBIT Growth

Year on year growth in operating profit (EBIT)

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	-26.04	24.56	65.68	7.27
Peer Median	--	--	--	--	--

Net Profit Growth

-16.88

Year on year growth in profit after tax

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	-16.88	-25.32	26.20	55.34	12.69
Peer Median	--	--	--	--	--

EPS Growth

-0.17

Year on year growth in earnings per share

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	-0.17	-0.26	0.26	0.55	0.13
Peer Median	--	--	--	--	--

Solvency

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Debt to Equity

0.09

Total debt / Net worth

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	0.09	0.11	0.61	0.12	0.12
Peer Median	--	--	--	--	--

Short term debt to equity ratio

(Short term borrowings / Net worth)

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	0.01	0.51	0.02	0.02
Peer Median	--	--	--	--	--

Current Ratio

0.64

Current Assets / Current Liabilities and Provisions

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	0.64	0.21	0.22	0.22	0.34
Peer Median	--	--	--	--	--

Quick Ratio

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	--	0.19	0.21	0.54
Peer Median	--	--	--	--	--

Interest Coverage

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	1.46	2.49	6.90	6.40
Peer Median	--	--	--	--	--

Operating Efficiency

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Debtors to sales

10.87

Debtors outstanding / Net Sales * 100

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	10.87	12.38	12.02	16.64	18.35
Peer Median	--	--	--	--	--

Asset Turnover

0.05

Sales / Average Total Assets

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	0.05	0.05	0.05	0.04	0.03
Peer Median	--	--	--	--	--

Receivable days

42.30

Average Debtors / Sales * 365

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	42.30	44.72	45.46	57.36	74.07
Peer Median	--	--	--	--	--

Inventory Days

Average Inventory / Sales * 365

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	707.13	543.25	-8,286.98	-23,496.41
Peer Median	--	--	--	--	--

Payable days

Average Creditors / Cost of goods sold * 365

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	--	34,011.91	86,016.48	51,835.62
Peer Median	--	--	--	--	--

Cash Conversion Cycle

Receivable Days + Inventory Days - Payable Days

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	--	--	-33,423.19	-94,246.10	-75,257.96
Peer Median	--	--	--	--	--

Valuation

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Price / Earnings

14.15

Current share price divided by earning per share in the last twelve months

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	14.15	11.78	7.29	7.96	13.70
Peer Median	--	--	--	--	--

Price / Book Value

1.24

Current share price divided by book value per share in the latest financial year

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	1.24	1.34	1.18	1.11	1.15
Peer Median	--	--	--	--	--

EV/EBITDA

-4.42

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21
United Security Bancshares (UBFO)	-4.42	-1.10	-0.11	-4.52	-17.00
Peer Median	--	--	--	--	--

Annual
Quarterly