United Security Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
United Security Bancshares has total assets of $1.3B and total equity of $132.9M. Total deposits are $1.1B, and total loans are $958.6M. It earns a Net Interest Margin of 4.3%. It has sufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are $47.9M.
Key information
9.4x
Asset to equity ratio
4.3%
Net interest margin
| Total deposits | US$1.07b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$47.92m |
Recent financial health updates
Recent updates
United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.12
Sep 29
United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Dividend Of $0.12
Jul 01United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of $0.12
Oct 01United Security Bancshares (NASDAQ:UBFO) Is Paying Out A Larger Dividend Than Last Year
Jul 02United Security Bancshares (NASDAQ:UBFO) Has Affirmed Its Dividend Of $0.11
Apr 02United Security Bancshares (NASDAQ:UBFO) Has Announced A Dividend Of $0.11
Dec 25United Security Bancshares GAAP EPS of $0.26, revenue of $13.12M
Oct 20United Security Bancshares GAAP EPS of $0.20, revenue of $11.01M
Jul 20United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Jul 05United Security Bancshares declares $0.11 dividend
Jun 30United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Mar 29United Security Bancshares' (NASDAQ:UBFO) Dividend Will Be US$0.11
Oct 04United Security Bancshares (NASDAQ:UBFO) Will Pay A Dividend Of US$0.11
Jun 28Should Shareholders Reconsider United Security Bancshares' (NASDAQ:UBFO) CEO Compensation Package?
May 13Should You Or Shouldn't You: A Dividend Analysis on United Security Bancshares (NASDAQ:UBFO)
Mar 09Is United Security Bancshares (NASDAQ:UBFO) Popular Amongst Insiders?
Feb 02There's A Lot To Like About United Security Bancshares' (NASDAQ:UBFO) Upcoming US$0.11 Dividend
Dec 28Shareholders Of United Security Bancshares (NASDAQ:UBFO) Must Be Happy With Their 63% Return
Dec 22
United Security Bancshares declares $0.11 dividend
Dec 16Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UBFO's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: UBFO has a sufficient allowance for bad loans (129%).
Low Risk Liabilities: 95% of UBFO's liabilities are made up of primarily low risk sources of funding.
Loan Level: UBFO has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: UBFO's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: UBFO has an appropriate level of bad loans (1.3%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/10 23:24 |
| End of Day Share Price | 2025/01/10 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
United Security Bancshares is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|