United Security Bancshares (California)

How big is United Security Bancshares (California)?

As of Jun 18, United Security Bancshares (California) has a market capitalization of 141.38 million and total assets of 1,215.45 million, with shareholder's funds at 130.36 million.

As of Jun 18, United Security Bancshares (California) has a market capitalization of 141.38 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 61.16 million, while the sum of net profit for the same period is 13.31 million.<BR><BR>As of Dec 24, the reporting period shows Shareholder's Funds at 130.36 million and Total Assets at 1,215.45 million.

What does United Security Bancshares (California) do?

United Security Bancshares (California) is a bank holding company that provides banking services primarily in the San Joaquin Valley. As of March 2025, it reported net sales of $15 million and a net profit of $3 million, with a market cap of $141.38 million.

Overview:<BR>United Security Bancshares (California) is a bank holding company operating in the regional banks industry, providing banking services primarily in the San Joaquin Valley of California.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 15 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 3 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 141.38 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 10.01% <BR>Price to Book: 1.06<BR><BR>Contact Details:<BR>Address: 2126 Inyo St, FRESNO CA: 93721-2611 <BR>Tel: 1 559 2484930 <BR>Fax: 1 559 2485088 <BR>Website: http://investors.unitedsecuritybank.com/CorporateProfile

Should I buy, sell or hold United Security Bancshares (California)?

Who are in the management team of United Security Bancshares (California)?

As of March 2022, the management team of United Security Bancshares includes Mr. Dennis Woods as Chairman, President, and CEO, with Dr. Robert Mochizuki serving as Lead Independent Director and several Independent Directors: Mr. Stanley Cavalla, Mr. G Thompson Ellithorpe, Mr. Benjamin Mackovak, and Mr. Nabeel Mahmood.

As of March 2022, the management team of United Security Bancshares (California) includes Mr. Dennis Woods, who serves as the Chairman of the Board, President, and Chief Executive Officer of both United Security Bancshares and United Security Bank. Additionally, the board features Dr. Robert Mochizuki as the Lead Independent Director, along with several Independent Directors: Mr. Stanley Cavalla, Mr. G Thompson Ellithorpe, Mr. Benjamin Mackovak, and Mr. Nabeel Mahmood.

Is United Security Bancshares (California) technically bullish or bearish?

As of June 6, 2025, the market trend is mildly bearish, influenced by bearish momentum from the weekly MACD and daily moving averages, although there are some signs of potential stabilization from the KST and Dow Theory on the monthly time frame.

As of 6 June 2025, the technical trend has changed from bearish to mildly bearish. The current stance is mildly bearish, driven primarily by the weekly MACD indicating bearish momentum and the daily moving averages also showing a bearish trend. The Bollinger Bands are bearish across both weekly and monthly time frames. However, there are some mildly bullish signals from the KST and Dow Theory on the monthly time frame, suggesting potential for stabilization. Overall, the strength of the bearish sentiment is notable, particularly in the short term.

Is United Security Bancshares (California) overvalued or undervalued?

As of June 10, 2025, United Security Bancshares is considered very attractive and undervalued with a P/E ratio of 11, favorable financial metrics compared to peers, and a one-year return of 14.80%, despite a year-to-date underperformance of -17.82% against the S&P 500.

As of 10 June 2025, the valuation grade for United Security Bancshares (California) has moved from fair to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued based on its financial metrics. Key ratios include a P/E ratio of 11, an EV to EBIT of 8.23, and a Price to Book Value of 1.13, which are favorable compared to its peers.<BR><BR>In comparison to its peers, United Security Bancshares has a lower P/E ratio than ChoiceOne Financial Services, Inc. at 16.34, and is also more attractive than Penns Woods Bancorp, Inc. with a P/E of 10.14. The company's return on equity (ROE) stands at 10.01%, and its return on capital employed (ROCE) is 14.03%, further supporting its undervalued status. Additionally, while the stock has underperformed the S&P 500 year-to-date with a return of -17.82% compared to 2.44%, its one-year return of 14.80% suggests potential for recovery and growth.