Last $5.49 USD
Change Today +0.05 / 0.92%
Volume 12.6K
UBFO On Other Exchanges
Symbol
Exchange
NASDAQ GS
As of 8:10 PM 04/17/14 All times are local (Market data is delayed by at least 15 minutes).

united security bancshare/ca (UBFO) Snapshot

Open
$5.45
Previous Close
$5.44
Day High
$5.49
Day Low
$5.43
52 Week High
03/20/14 - $5.93
52 Week Low
06/24/13 - $3.81
Market Cap
82.1M
Average Volume 10 Days
7.2K
EPS TTM
$0.48
Shares Outstanding
14.9M
EX-Date
07/9/08
P/E TM
11.5x
Dividend
--
Dividend Yield
--
Current Stock Chart for UNITED SECURITY BANCSHARE/CA (UBFO)

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united security bancshare/ca (UBFO) Details

United Security Bancshares operates as the bank holding company for United Security Bank that provides a range of commercial banking services primarily to the business and professional community, and individuals in California. Its deposit products include personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. The company’s loan portfolio consists of real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural and lease financing. It also offers a range of services, such as cashiers checks, travelers checks, money orders, and foreign drafts, as well as Internet banking services to its commercial and retail customers, and financial and wealth management services. United Security Bancshares operates 11 banking branches, 1 construction lending office, and 1 financial services office in Fresno, Madera, Kern, and Santa Clara counties. The company was founded in 1987 and is headquartered in Fresno, California.

138 Employees
Last Reported Date: 03/21/14
Founded in 1987

united security bancshare/ca (UBFO) Top Compensated Officers

Chairman of the Board, Chief Executive Office...
Total Annual Compensation: $496.9K
Chief Financial Officer, Senior Vice Presiden...
Total Annual Compensation: $53.1K
Chief Operating Officer, Senior Vice Presiden...
Total Annual Compensation: $165.2K
Principal Accounting Officer, Chief Administr...
Total Annual Compensation: $228.9K
Compensation as of Fiscal Year 2012.

united security bancshare/ca (UBFO) Key Developments

United Security Bancshares Announces Unaudited Consolidated Earnings Results for the First Quarter Ended March 31, 2014

United Security Bancshares announced unaudited consolidated earnings results for the first quarter ended March 31, 2014. For the period, the company reported total interest income of $5,788,000 against $5,731,000 a year ago. Net interest income was $5,512,000 against $5,269,000 a year ago. Income before income tax provision was $1,434,000 against $1,715,000 a year ago. Net Income was $908,000 or $0.06 per basic and diluted share against $1,075,000 or $0.07 per basic and diluted share a year ago. Annualized return on average assets was 0.55% against 0.68% a year ago. Annualized return on average equity was 4.77% against 6.20% a year ago. Book value per share as at March 31, 2014 was $5.18 against $5.17 a year ago. Tangible book value per share as at March 31, 2014 was $4.88 against $4.86 a year ago.

United Security Bancshares Reports Unaudited Consolidated Earnings Results for the Fourth Quarter and Year Ended December 31, 2013

United Security Bancshares reported unaudited consolidated earnings results for the fourth quarter and year ended December 31, 2013. For the quarter, the company reported net income of $2.945 million or $0.20 per diluted share compared to $1.479 million or $0.09 per diluted shares for the same period last year. Total interest income was $5.713 million compared to $5.922 million for the same period last year. Net interest income before provision for credit losses was $5.362 million compared to $5.424 million for the same period last year. Net interest income was $5.340 million compared to $5.415 million for the same period last year. Income before income tax provision was $0.367 million compared to $0.322 million for the same period last year. Annualized return on average equity (ROAE) was 15.8% compared to 8.56% for the same period last year. Annualized return on average assets (ROAA) was 1.79% compared to 0.93% for the same period last year. For the year, the company reported net income of $7.269 million or $0.49 per diluted share compared to $6.069 million or $0.41 per diluted shares for the same period last year. Total interest income was $23.002 million compared to $25.151 million for the same period last year. Net interest income before provision for credit losses was $21.391 million compared to $23.090 million for the same period last year. Net interest income was $22.489 million compared to $22.071 million for the same period last year. Income before income tax provision was $7.374 million compared to $7.602 million for the same period last year. Annualized return on average equity (ROAE) was 10.09% compared to 9.20% for the same period last year. Annualized return on average assets (ROAA) was 1.13% compared to 0.97% for the same period last year. As on December 31, 2013, the company's book value per share was $4.86 compared to $4.55 as on December 31, 2012.

United Security Bancshares Reports Unaudited Consolidated Earnings Results for the Third Quarter and Nine Months Ended September 30, 2013

United Security Bancshares reported unaudited consolidated earnings results for the third quarter and nine months ended September 30, 2013. For the quarter, the company reported total interest income of $5,792,000 compared to $6,131,000 for the same period a year ago. Net interest income was $6,577,000 compared to $5,618,000 a year ago. Income before income tax provision was $3,036,000 compared to $2,144,000 a year ago. Net Income was $1,852,000 compared to $1,366,000 a year ago. Basic and diluted earnings per share were $0.13 compared to $0.09 a year ago. Annualized return on average assets was 1.14% compared to 0.87% a year ago. Annualized return on average equity was 10.14% compared to 8.25% a year ago. Book value per share was $5.02. Tangible book value per share was $4.70. For the nine months, the company reported total interest income of $17,289,000 compared to $19,232,000 for the same period a year ago. Net interest income was $17,149,000 compared to $16,659,000 a year ago. Income before income tax provision was $7,006,000 compared to $7,281,000 a year ago. Net Income was $4,323,000 compared to $4,591,000 a year ago. Basic and diluted earnings per share were $0.30 compared to $0.32 a year ago. Annualized return on average assets was 0.90% compared to 0.99% a year ago. Annualized return on average equity was 8.10% compared to 9.43% a year ago.

 

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UBFO Competitors

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Industry Analysis

UBFO

Industry Average

Valuation UBFO Industry Range
Price/Earnings 11.6x
Price/Sales 3.1x
Price/Book 1.1x
Price/Cash Flow 11.5x
TEV/Sales NM Not Meaningful
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