UBFO Relative Valuation
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. If the market price exceeds this fair value range, UBFO is overvalued; if below, it's undervalued.
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
-
Current Price：10.03
Fair
0.00
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
United Security Bancshares. (UBFO) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
United Security Bancshares. (UBFO) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.00
PS
United Security Bancshares. (UBFO) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.
0.00
P/OCF
United Security Bancshares. (UBFO) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
United Security Bancshares. (UBFO) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
United Security Bancshares (UBFO) has a current Price-to-Book (P/B) ratio of 1.28. Compared to its 3-year average P/B ratio of 1.12 , the current P/B ratio is approximately 14.50% higher. Relative to its 5-year average P/B ratio of 1.13, the current P/B ratio is about 13.83% higher. United Security Bancshares (UBFO) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 14.66%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 13.11% , the current FCF yield is about -100.00% lower.
1.28
P/B
Median3y
1.12
Median5y
1.13
12.19
FCF Yield
Median3y
14.66
Median5y
13.11
Competitors Valuation Multiple
The average P/S ratio for UBFO's competitors is 0.00, providing a benchmark for relative valuation. United Security Bancshares Corp (UBFO) exhibits a P/S ratio of 0.00, which is NaN% above the industry average. Given its robust revenue growth of 3.99%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of UBFO increased by 2.04% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 12.89M to 13.40M.
The secondary factor is the Margin Expansion, contributed 1.04%to the performance.
Overall, the performance of UBFO in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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FAQ
Is United Security Bancshares (UBFO) currently overvalued or undervalued?
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How does UBFO's valuation metrics compare to the industry average?
What is the current P/B ratio for United Security Bancshares (UBFO) as of Dec 05 2025?
What is the current FCF Yield for United Security Bancshares (UBFO) as of Dec 05 2025?
What is the current Forward P/E ratio for United Security Bancshares (UBFO) as of Dec 05 2025?