Historical Valuation
United Security Bancshares (UBFO) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of United Security Bancshares (UBFO) is between -- to -- according to relative valuation methord.
Relative Value
Fair Zone
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Current Price：10.03
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
United Security Bancshares (UBFO) has a current Price-to-Book (P/B) ratio of 1.25. Compared to its 3-year average P/B ratio of 1.12 , the current P/B ratio is approximately 11.55% higher. Relative to its 5-year average P/B ratio of 1.13, the current P/B ratio is about 10.89% higher. United Security Bancshares (UBFO) has a Forward Free Cash Flow (FCF) yield of approximately 12.45%. Compared to its 3-year average FCF yield of 14.51%, the current FCF yield is approximately -14.20% lower. Relative to its 5-year average FCF yield of 13.13% , the current FCF yield is about -5.17% lower.
P/B
Median3y
1.12
Median5y
1.13
FCF Yield
Median3y
14.51
Median5y
13.13
Competitors Valuation Multiple
AI Analysis for UBFO
The average P/S ratio for UBFO competitors is 1.43, providing a benchmark for relative valuation. United Security Bancshares Corp (UBFO.O) exhibits a P/S ratio of 0.00, which is -100% above the industry average. Given its robust revenue growth of 3.99%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for UBFO
1Y
3Y
5Y
Market capitalization of UBFO increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of UBFO in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is UBFO currently overvalued or undervalued?
United Security Bancshares (UBFO) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of United Security Bancshares (UBFO) is between to according to relative valuation methord.
What is United Security Bancshares (UBFO) fair value?
UBFO's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of United Security Bancshares (UBFO) is between to according to relative valuation methord.
How does UBFO's valuation metrics compare to the industry average?
The average P/S ratio for UBFO's competitors is 1.43, providing a benchmark for relative valuation. United Security Bancshares Corp (UBFO) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 3.99%, this premium appears unsustainable.
What is the current P/B ratio for United Security Bancshares (UBFO) as of Jan 09 2026?
As of Jan 09 2026, United Security Bancshares (UBFO) has a P/B ratio of 1.25. This indicates that the market values UBFO at 1.25 times its book value.
What is the current FCF Yield for United Security Bancshares (UBFO) as of Jan 09 2026?
As of Jan 09 2026, United Security Bancshares (UBFO) has a FCF Yield of 12.45%. This means that for every dollar of United Security Bancshares’s market capitalization, the company generates 12.45 cents in free cash flow.
What is the current Forward P/E ratio for United Security Bancshares (UBFO) as of Jan 09 2026?
As of Jan 09 2026, United Security Bancshares (UBFO) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of United Security Bancshares’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for United Security Bancshares (UBFO) as of Jan 09 2026?
As of Jan 09 2026, United Security Bancshares (UBFO) has a Forward P/S ratio of 0.00. This means the market is valuing UBFO at $0.00 for every dollar of expected revenue over the next 12 months.