United Security Bancshares

NasdaqGS:UBFO Stock Report

Market Cap: US$164.2m

United Security Bancshares Valuation

Is UBFO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of UBFO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: UBFO ($9.54) is trading below our estimate of fair value ($25.96)

Significantly Below Fair Value: UBFO is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for UBFO?

Key metric: As UBFO is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for UBFO. This is calculated by dividing UBFO's market cap by their current earnings.
What is UBFO's PE Ratio?
PE Ratio9.3x
EarningsUS$17.69m
Market CapUS$164.22m

Price to Earnings Ratio vs Peers

How does UBFO's PE Ratio compare to its peers?

The above table shows the PE ratio for UBFO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12x
BVFL BV Financial
14.4xn/aUS$181.5m
FNRN First Northern Community Bancorp
7.2xn/aUS$152.4m
AVBH Avidbank Holdings
11.6x22.7%US$172.0m
HONT Honat Bancorp
14.6xn/aUS$172.1m
UBFO United Security Bancshares
9.3xn/aUS$164.2m

Price-To-Earnings vs Peers: UBFO is good value based on its Price-To-Earnings Ratio (9.3x) compared to the peer average (12x).

Price to Earnings Ratio vs Industry

How does UBFO's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
UBFO 9.3xIndustry Avg. 12.8xNo. of Companies75PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: UBFO is good value based on its Price-To-Earnings Ratio (9.3x) compared to the US Banks industry average (12.8x).

Price to Earnings Ratio vs Fair Ratio

What is UBFO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

UBFO PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.3x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate UBFO's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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