United Security Bancshares (California)

Market Cap: Micro Cap
Industry: Regional Banks
ISIN: US9114601035

USD

10.33

0.03 (0.29%)

Mar 25

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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United Security Bancshares (California)

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Partners Bancorp

Why is United Security Bancshares (California) ?

The company has declared Negative results for the last 4 consecutive quarters

OPERATING CASH FLOW(Y) Lowest at USD 18.69 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 84.08%
NET SALES(Q) Lowest at USD 14.9 MM

With ROA of 0.73%, it has a expensive valuation with a 1.29 Price to Book Value

Over the past year, while the stock has generated a return of 13.30%, its profits have fallen by -16.9%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is United Security Bancshares (California) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

United Security Bancshares (California)

13.52%

1.48

29.10%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.39%

EBIT Growth (5y)

4.59%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

68.57%

Pledged Shares

Institutional Holding

41.74%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.29

EV to EBIT

4.40

EV to EBITDA

3.95

EV to Capital Employed

2.64

EV to Sales

1.08

PEG Ratio

Dividend Yield

ROCE (Latest)

59.95%

ROE (Latest)

8.80%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What is working for the Company

NO KEY POSITIVE TRIGGERS

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 18.69 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 84.08%

NET SALES(Q)

Lowest at USD 14.9 MM

Here's what is not working for United Security Bancshares (California)

Operating Cash Flow

Lowest at USD 18.69 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 14.9 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Credit Deposit Ratio

Lowest at 84.08%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)