United Security Bancshares (UBFO) Files 10-K for the Fiscal Year Ended on December 31, 2017
- By insider
United Security Bancshares (UBFO) files its latest 10-K with SEC for the fiscal year ended on December 31, 2017. United Security Bancshares operates as the holding for United Security Bank. It provides commercial banking services to the business and professional community, and individuals located in Fresno, Madera, and Kern Counties. United Security Bancshares has a market cap of $173.920 million; its shares were traded at around $10.30 with a P/E ratio of 20.19 and P/S ratio of 5.09. The dividend yield of United Security Bancshares stocks is 2.33%.
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The intrinsic value of UBFO
For the last quarter United Security Bancshares reported a revenue of $9.30 million, compared with the revenue of $8.12 million during the same period a year ago. For the latest fiscal year the company reported a revenue of $35.5 million, an increase of 9% from last year. For the last five years United Security Bancshares had an average revenue growth rate of 5.6% a year.
The reported diluted earnings per share was 51 cents for the year, an increase of 17% from previous year. Over the last five years United Security Bancshares had an EPS growth rate of 5.4% a year. The United Security Bancshares enjoyed an operating margin of 44.16%, compared with the operating margin of 37.61% a year before. The 10-year historical median operating margin of United Security Bancshares is 27.85%. The profitability rank of the company is 5 (out of 10).
At the end of the fiscal year, United Security Bancshares has the cash and cash equivalents of $107.9 million, compared with $113.7 million in the previous year. The long term debt was $9.73 million, compared with $8.83 million in the previous year. The interest coverage to the debt is 9.1. United Security Bancshares has a financial strength rank of 5 (out of 10).
At the current stock price of $10.30, United Security Bancshares is traded at 87.3% premium to its historical median P/S valuation band of $5.50. The P/S ratio of the stock is 5.09, while the historical median P/S ratio is 2.71. The stock gained 37.84% during the past 12 months.
For the complete 20-year historical financial data of UBFO, click here.
This article first appeared on GuruFocus.
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The intrinsic value of UBFO
