US · UBFO
United Security Bancshares
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Fresno, CA 93721
- Website
- unitedsecuritybank.com
Price · as of 2024-12-31
—
Market cap 182.63M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $32.96 | — |
| Intrinsic Value(DCF) | $26.63 | — |
| Graham-Dodd Method(GD) | $4.37 | — |
| Graham Formula(GF) | $6.34 | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $1.75 | $33.51 | $2.02 | $2.68 | $0.00 |
| 2011 | $1.28 | $43.49 | $2.92 | $0.21 | $3.99 |
| 2012 | $2.24 | $39.79 | $7.42 | $5.66 | $1.55 |
| 2013 | $3.17 | $34.40 | $7.53 | $6.44 | $0.00 |
| 2014 | $3.34 | $44.13 | $8.70 | $6.43 | $6.32 |
| 2015 | $3.05 | $35.26 | $9.68 | $7.00 | $5.93 |
| 2016 | $4.81 | $36.91 | $10.93 | $7.73 | $5.96 |
| 2017 | $6.79 | $39.16 | $13.08 | $5.75 | $8.76 |
| 2018 | $7.11 | $36.31 | $19.73 | $6.14 | $15.31 |
| 2019 | $5.96 | $36.18 | $36.78 | $4.45 | $19.43 |
| 2020 | $6.54 | $53.40 | $14.83 | $2.72 | $0.00 |
| 2021 | $6.52 | $37.31 | $18.98 | $3.17 | $6.76 |
| 2022 | $5.74 | $27.83 | $22.79 | $4.34 | $28.97 |
| 2023 | $6.81 | $26.41 | $121.10 | $5.78 | $41.93 |
| 2024 | $8.75 | $32.96 | $76.63 | $4.37 | $6.33 |
AI valuation
Our deep-learning model estimates United Security Bancshares's (UBFO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $32.96
- Current price
- —
- AI upside
- —
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$26.63
— upside
Graham-Dodd
$4.37
— upside
Graham Formula
$6.34
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| UBFO | United Security Bancshare… | $10.39 | 182.63M | +217% | +156% | -58% | -39% | 10.18 | 1.15 | 2.30 | -2.16 | — | 1.20 | 74.24% | 31.04% | 22.58% | 11.69% | -31.67% | 1.22% | 0.11 | 1.46 | 0.21 | 0.21 | -1.85 | -2586.00% | -73.00% | -968.00% | 12.36% | 0.02 | -39.84% | 5.52% | 56.20% | 55.60% | -2.38 | -2.60 | -0.74 | -0.54 |
| BVFL | BV Financial, Inc. | $18.68 | 166.33M | +118% | -5% | +20% | -26% | 13.76 | 0.82 | 3.28 | 5.94 | — | 0.89 | 77.05% | 33.35% | 23.83% | 5.94% | 8.83% | 1.30% | 0.26 | 1.43 | 0.17 | 0.17 | -1.18 | -2517.00% | 470.00% | 275.00% | 9.58% | 0.02 | 11.64% | 0.00% | 0.00% | 10.98% | 6.30 | 6.69 | 2.10 | -0.29 |
| CFBK | CF Bankshares Inc. | $30.22 | 194.73M | +563% | -20% | +42% | -2% | 10.88 | 1.03 | 1.52 | 2.77 | 35.57 | 1.03 | 41.85% | 17.10% | 13.50% | 9.94% | 38.34% | 0.84% | 0.69 | 0.33 | 0.91 | 0.91 | -6.10 | 3058.00% | 306.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 5.11% | 2.77 | — | 0.47 | 0.14 |
| CZWI | Citizens Community Bancor… | $17.41 | 168.18M | +918% | +67% | +35% | — | 11.98 | 0.92 | 1.92 | -3.19 | 133.80 | 1.11 | 54.68% | 7.01% | 16.01% | 7.86% | 9.54% | 0.82% | 0.28 | 0.16 | — | — | -7.54 | 896.00% | -941.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 48.32% | -4.49 | — | -0.31 | 1.26 |
| FCAP | First Capital, Inc. | $50.80 | 170.44M | -49% | +172% | -35% | +47% | 10.50 | 1.09 | 2.16 | 2.21 | — | 1.16 | 72.25% | 24.38% | 20.54% | 10.86% | -7.60% | 1.02% | 0.00 | 0.97 | 0.09 | 0.09 | -1.74 | -654.00% | 1345.00% | 5978.00% | 17.25% | 0.02 | -13.74% | 3.01% | 31.60% | 19.78% | 2.38 | 1.56 | 0.58 | -0.70 |
| FNWD | Finward Bancorp | $37.36 | 161.66M | +151% | +41% | -1% | +77% | 9.75 | 0.78 | 1.06 | -8.71 | 21.72 | 0.93 | 64.03% | 12.03% | 10.85% | 8.12% | -7.15% | 0.58% | 0.69 | 0.33 | 0.23 | 0.23 | 1.70 | 4490.00% | 1585.00% | -7081.00% | 5.69% | 0.01 | -3.96% | 1.75% | 17.10% | 1.82% | -13.43 | -26.85 | -1.62 | -0.60 |
| HNVR | Hanover Bancorp, Inc. | $20.68 | 148.74M | +575% | -11% | +41% | -76% | 21.03 | 0.79 | 1.10 | 30.55 | — | 0.87 | 43.91% | 6.95% | 5.22% | 3.77% | 3.06% | 0.32% | 0.73 | 0.14 | 0.14 | 0.00 | 14.73 | -3976.00% | -340.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.55 | — | 2.12 | -0.51 |
| INBK | First Internet Bancorp | $20.28 | 176.56M | +222% | -22% | +1% | — | -5.07 | 0.50 | 0.55 | 4.95 | — | 0.50 | 13.68% | -15.76% | -10.89% | -9.46% | 42.47% | -0.62% | 0.99 | -0.25 | 0.32 | 0.32 | -6.86 | -23993.00% | -317.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.95 | — | -0.78 | -0.28 |
| MRBK | Meridian Corporation | $19.44 | 229.9M | +108% | -28% | -22% | +85% | 9.57 | 0.91 | 0.79 | 9.34 | 38.27 | 0.93 | 51.14% | 11.04% | 8.28% | 9.92% | 8.45% | 0.71% | 1.02 | 0.26 | 0.09 | 0.09 | 6.09 | 2500.00% | 1709.00% | -4698.00% | 5.77% | 0.00 | 4.66% | 3.58% | 34.30% | 3.58% | 10.32 | 24.91 | 1.14 | -0.76 |
| OVBC | Ohio Valley Banc Corp. | $42.63 | 200.83M | +550% | +1% | +20% | +8% | 12.99 | 1.19 | 2.15 | 13.24 | 30.88 | 1.24 | 67.58% | 20.65% | 16.56% | 9.73% | 21.81% | 1.01% | 0.32 | 0.71 | 56092.09 | 297.10 | 2.84 | 4206.00% | 593.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 13.24 | — | 2.73 | 0.34 |
| PEBK | Peoples Bancorp of North … | $38.21 | 202.86M | -20% | +639% | -33% | +74% | 8.41 | 1.05 | 1.41 | -5.70 | 110.97 | 1.05 | 73.04% | 21.40% | 16.72% | 13.00% | -8.40% | 0.99% | 0.15 | 0.79 | 0.20 | 0.20 | -1.67 | 758.00% | 1401.00% | -413.00% | 14.52% | 0.01 | -10.26% | 3.67% | 30.90% | 51.86% | -6.49 | -6.80 | -1.39 | -0.61 |
About United Security Bancshares
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.
- CEO
- Dennis R. Woods
- Employees
- 114
- Beta
- 0.32
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($26.63 ÷ —) − 1 = — (DCF, example).