United Security Bancshares (California) (UBFO) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

ChoiceOne Financial Services, Inc.

First Community Corp. (South Carolina)

Penns Woods Bancorp, Inc.

OP Bancorp

United Security Bancshares (California)

Ames National Corp.

Hanover Bancorp, Inc.

First Internet Bancorp

HomeStreet, Inc.

First Guaranty Bancshares, Inc.

Partners Bancorp

Why is United Security Bancshares (California) ?

High Profitability with a Net Interest Margin of 5.95%

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

OPERATING PROFIT(Q) Lowest at USD 3.02 MM
OPERATING PROFIT MARGIN(Q) Lowest at 20.15 %
PRE-TAX PROFIT(Q) Lowest at USD 3.02 MM

With ROA of 0.65%, it has a very attractive valuation with a 1.13 Price to Book Value

Over the past year, while the stock has generated a return of 2.27%, its profits have fallen by -25.4%

High Institutional Holdings at 40.82%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Underperformed the market in the last 1 year

The stock has generated a return of 2.27% in the last 1 year, much lower than market (S&P 500) returns of 12.33%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to United Security Bancshares (California) should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

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

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is United Security Bancshares (California) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

United Security Bancshares (California)

2.56%

1.31

28.75%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.34%

EBIT Growth (5y)

-1.80%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

55.85%

Pledged Shares

Institutional Holding

40.82%

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

1.13

EV to EBIT

8.23

EV to EBITDA

7.26

EV to Capital Employed

1.16

EV to Sales

2.16

PEG Ratio

Dividend Yield

ROCE (Latest)

14.03%

ROE (Latest)

10.01%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

No Trend

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

3What is working for the Company

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Highest at 95.47%

-17What is not working for the Company

OPERATING PROFIT(Q)

Lowest at USD 3.02 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 20.15 %

PRE-TAX PROFIT(Q)

Lowest at USD 3.02 MM

NET PROFIT(Q)

Lowest at USD 2.17 MM

EPS(Q)

Lowest at USD 0.13

Here's what is working for United Security Bancshares (California)

Non Performing Loans (%)

Lowest at 0.63%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend Payout Ratio

Highest at 95.47%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

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

Pre-Tax Profit

At USD 3.02 MM has Fallen at -49.99%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD 2.17 MM has Fallen at -49.52%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Operating Profit

Lowest at USD 3.02 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 20.15 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD 3.02 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 2.17 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.13

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)