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About the company
United Security Bancshares is the bank holding company for United Security Bank (the Bank). The Bank is a state-chartered bank and offers a range of commercial banking services to the business and professional community and individuals. It provides a variety of deposit instruments, including personal and business checking accounts and savings accounts, interest-bearing negotiable order of withdrawal (NOW) accounts and money market accounts. Its lending activities include real estate mortgage, commercial and industrial, real estate construction, agricultural, and installment loans. The Bank operates approximately 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin and Taft. It offers a range of services for commercial customers and account holders, including online banking, mobile banking, safe deposit boxes, wire transfers, ATM services, payroll direct deposit, cashier's checks, and cash management services.
- Revenue in USD (TTM)49.26m
- Net income in USD15.69m
- Incorporated2001
- Employees119.00
- LocationUnited Security Bancshares2126 Inyo StFRESNO 93721-2611United StatesUSA
- Phone+1 (559) 248-4930
- Fax+1 (559) 248-5088
- Websitehttp://investors.unitedsecuritybank.com/CorporateProfile
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ohio Valley Banc Corp. | 47.62m | 13.34m | 131.70m | 255.00 | 9.87 | 0.9754 | -- | 2.40 | 2.80 | 2.80 | 11.52 | 28.30 | -- | -- | -- | -- | 1.08 | 1.02 | -- | -- | -- | -- | 24.28 | 21.98 | -- | -- | -- | -- | 6.49 | 0.8213 | 13.69 | 7.50 | -- | 0.00 |
| Community West Bancshares | 49.14m | 13.45m | 132.06m | 122.00 | 9.91 | 1.17 | 9.33 | 2.65 | 1.51 | 1.51 | 5.60 | 12.80 | -- | -- | -- | -- | 1.20 | 1.03 | -- | -- | -- | -- | 27.01 | 23.82 | -- | -- | -- | 19.99 | 6.64 | 5.62 | 2.66 | 16.69 | -- | 13.74 |
| Croghan Bancshares, Inc. | 38.62m | 13.89m | 133.83m | 203.00 | 9.84 | 1.28 | -- | 3.01 | 6.30 | 6.30 | 20.21 | 48.49 | -- | -- | -- | -- | 1.26 | 1.39 | -- | -- | -- | -- | 31.18 | 30.78 | -- | -- | -- | 32.55 | 3.20 | 4.57 | 11.03 | 10.88 | 8.94 | 8.60 |
| BankFinancial Corp | 51.31m | 9.43m | 133.92m | 199.00 | 14.67 | 0.899 | 12.12 | 2.46 | 0.7165 | 0.7165 | 4.13 | 11.69 | -- | -- | -- | -- | 0.5732 | 0.7426 | -- | -- | -- | -- | 17.32 | 20.91 | -- | -- | -- | 49.88 | -11.93 | -1.77 | -19.13 | -0.2465 | 27.39 | 13.75 |
| Republic First Bancorp Inc | 157.70m | 19.53m | 135.23m | 525.00 | 8.23 | 0.5756 | 4.85 | 0.8162 | 0.2575 | 0.2575 | 2.18 | 3.68 | -- | -- | -- | -- | 0.4057 | 0.3011 | -- | -- | -- | -- | 13.76 | 9.12 | -- | -- | -- | 0.00 | 28.58 | 22.21 | 424.72 | 34.39 | -2.35 | -- |
| First Savings Financial Group Inc | 71.00m | 16.44m | 135.25m | 422.00 | 8.51 | 0.8929 | 7.16 | 1.21 | 2.30 | 2.30 | 15.66 | 21.90 | -- | -- | -- | -- | 0.8703 | 1.52 | -- | -- | -- | -- | 14.70 | 18.19 | -- | -- | -- | 9.96 | 8.79 | 15.92 | -44.38 | 12.04 | 14.41 | 17.61 |
| Embassy Bancorp Inc | 48.67m | 16.92m | 138.31m | 106.00 | 8.19 | 1.82 | 7.76 | 2.91 | 2.24 | 2.24 | 6.28 | 10.05 | -- | -- | -- | -- | 1.06 | 0.9844 | -- | -- | -- | -- | 35.63 | 31.21 | -- | -- | -- | 13.06 | 7.17 | 9.40 | 31.04 | 18.62 | 21.08 | 18.20 |
| United Security Bancshares | 49.26m | 15.69m | 138.42m | 119.00 | 8.82 | 1.23 | 12.24 | 2.89 | 0.9193 | 0.9193 | 2.81 | 6.59 | -- | -- | -- | -- | 1.19 | 1.19 | -- | -- | -- | -- | 32.75 | 31.13 | -- | -- | -- | -- | 30.55 | 8.39 | 55.34 | 10.26 | -- | -- |
| Bankguam Holding Co | 87.77m | 17.84m | 138.62m | 529.00 | 7.77 | 1.16 | 5.75 | 1.17 | 916.66 | 916.66 | 6,068.87 | 6,219.04 | -- | -- | -- | -- | 0.6876 | 0.7084 | -- | -- | -- | -- | 16.26 | 14.47 | -- | -- | -- | 21.51 | -2.67 | 1.78 | 67.29 | 8.15 | 7.49 | 0.00 |
| Tri City Bankshares Corporation | 51.08m | 9.66m | 139.14m | 392.00 | 14.40 | 1.11 | 11.50 | 2.17 | 1.08 | 1.08 | 7.19 | 14.06 | -- | -- | -- | -- | 0.8541 | 1.38 | -- | -- | -- | -- | 15.10 | 22.29 | -- | -- | -- | 76.16 | -14.10 | 5.39 | -33.50 | 0.4931 | -7.55 | -24.92 |
| First Financial Northwest Inc | -100.00bn | -100.00bn | 139.20m | 144.00 | -- | 0.868 | -- | -- | -- | -- | -- | 17.57 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Hanover Bancorp Inc (MINEOLA) | 74.39m | 22.36m | 139.86m | 198.00 | 5.86 | 0.8042 | 11.58 | 2.02 | 3.34 | 3.34 | 10.23 | 24.34 | -- | -- | -- | -- | 1.30 | -- | -- | -- | -- | -- | 32.33 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| United Bancorporation of Alabama Inc | 18.20m | 989.72k | 143.78m | 177.00 | 94.87 | 3.44 | 74.70 | 6.87 | 0.4206 | 0.4206 | 8.88 | 15.88 | -- | -- | -- | -- | 0.2774 | -0.0889 | -- | -- | -- | -- | 6.05 | -2.22 | -- | -- | -- | -- | -4.61 | -6.10 | 167.07 | -21.90 | -35.91 | -- |
| Franklin Financial Services Corp | 56.45m | 14.94m | 144.77m | 280.00 | 9.82 | -- | 11.80 | 2.17 | 3.36 | 3.36 | 15.03 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 22.35 | 23.29 | -- | -- | -- | -- | 18.66 | 7.19 | -23.85 | 27.31 | -- | 7.30 |
| ECB Bancorp Inc | 25.37m | 1.74m | 145.70m | 54.00 | 84.19 | 0.9046 | 71.56 | 6.22 | 0.1886 | 0.1886 | 2.66 | 17.55 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 7.42 | -- | -- | -- | -- | -- | 4.13 | -- | -16.83 | -- | -- | -- |
| Eagle Bancorp Montana Inc | 69.46m | 10.70m | 145.71m | 352.00 | 12.64 | 0.9198 | 11.85 | 1.55 | 1.44 | 1.44 | 12.71 | 19.79 | -- | -- | -- | -- | 0.6324 | 1.05 | -- | -- | -- | -- | 11.41 | 16.16 | -- | -- | -- | 22.91 | 39.63 | 20.05 | -25.79 | 17.30 | -- | 9.08 |
Data as of Feb 08 2023. Currency figures normalised to United Security Bancshares's reporting currency: US Dollar USD
24.28%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Strategic Value Bank Partners LLCas of 31 Dec 2022 | 932.49k | 5.47% |
| Dimensional Fund Advisors LPas of 30 Sep 2022 | 838.27k | 4.92% |
| FJ Capital Management LLCas of 30 Sep 2022 | 615.00k | 3.61% |
| Elizabeth Park Capital Advisors Ltd.as of 31 Dec 2022 | 467.78k | 2.74% |
| Rhino Investment Partners, Inc.as of 30 Sep 2022 | 314.59k | 1.85% |
| Basswood Capital Management LLCas of 30 Sep 2022 | 313.06k | 1.84% |
| EJF Capital LLCas of 30 Sep 2022 | 269.48k | 1.58% |
| The Vanguard Group, Inc.as of 30 Sep 2022 | 183.76k | 1.08% |
| Geode Capital Management LLCas of 30 Sep 2022 | 111.15k | 0.65% |
| Destination Wealth Management, Inc.as of 30 Sep 2022 | 94.51k | 0.55% |
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Data from 30 Sep 2022 - 31 Dec 2022Source: FactSet Research Systems Inc.
