거래 정지 중인 종목 2026-06-04 이후 거래가 정지되었습니다. 재개될 수 있으며, 표시된 시세는 마지막 거래일 기준입니다.
UBFO
United Security Bancshares (CA)
$10.51
+0.00 +0.00%
유나이티드 시큐리티 뱅크셰어스(UBFO) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.
시가총액
$185M
스몰캡
P/E
14.8
저평가 구간
배당수익률
4.57%
52주 위치
76%
저점 +44% · 고점 -9%
애널리스트
-
C
Fundamental health
vs. 전체 시장
수익성 Top 30%
성장 Top 61%
밸류에이션 Top 63%
재무 안정 Top 83%
| Index | - | P/E | 14.83 | EPS (ttm) | 0.71 | Insider Own | 25.78% | Shs Outstand | 17.6M | Perf Week | - |
| Market Cap | 0.18B | Forward P/E | - | EPS next Y | - | Insider Trans | - | Shs Float | 13.1M | Perf Month | 1.94% |
| Enterprise Value | - | PEG | - | EPS next Q | - | Inst Own | 34.49% | Short Float | 0.87% | Perf Quarter | 4.79% |
| Income | 0.01B | P/S | 2.82 | EPS this Y | - | Inst Trans | - | Short Ratio | 3.39 | Perf Half Y | 15.49% |
| Sales | 0.07B | P/B | 1.32 | EPS next 5Y | - | ROA | 1% | Short Interest | 0.11M | Perf YTD | 4.37% |
| Book/sh | 7.94 | P/C | - | EPS past 3/5Y | -9.03% 5.59% | ROE | 9.1% | 52W High | -8.77% ($11.52) | Perf Year | 17.3% |
| Cash/sh | - | P/FCF | 9.36 | Sales past 3/5Y | 6.68% 11.1% | ROIC | 8.26% | 52W Low | 43.58% ($7.32) | Perf 3Y | 64.73% |
| Dividend Est. | $0.48 (4.57%) | EV/EBITDA | - | EPS Y/Y TTM | -17.52% | Gross Margin | - | Volatility(W/M) | 1.76% 2.21% | Perf 5Y | 28.33% |
| Dividend TTM | 0.48 | EV/Sales | - | Sales Y/Y TTM | -0.7% | Oper. Margin | 25.49% | ATR (14) | 0.24 | Perf 10Y | 120.94% |
| Dividend Ex-Date | 2025/12/26 | Quick Ratio | - | EPS Q/Q | 36.53% | Profit Margin | 18.76% | RSI (14) | 55.01 | Recom | - |
| Dividend Gr. 3/5Y | 2.94% 1.76% | Current Ratio | 0.14 | Sales Q/Q | -1.32% | SMA20 | 2.31% ($10.27) | Beta | 0.28 | Target Price | - |
| Payout | 69.35% | Debt/Eq | 0.07 | Earnings | 2026/1/22 | SMA50 | -0.79% ($10.59) | Rel Volume | 0 | Prev Close | $10.51 |
| Employees | 113 | LT Debt/Eq | 0.07 | EPS/Sales Surpr. | - | SMA200 | 8.99% ($9.64) | Avg Volume(3M) | 0.03M | Price | $10.51 |
| IPO | 1996/4/18 | Option/Short | No/No | Trades | 0 | Volume | - | Change | - |
Quarterly earnings trend Quarterly earnings data is not yet available — foreign-listed companies (ADRs) only file annual reports with the U.S., and recently listed companies may not have filed their first quarterly report.
United Security Bancshares (CA) (UBFO) Investment Analysis
What kind of company is United Security Bancshares (CA)?
유나이티드 시큐리티 뱅크셰어스(UBFO)
Financial · Banks - Regional
Small-Cap — Low Volume, High Volatility
A community bank headquartered in Fresno, California, serving the Central Valley region. It operates 13 branches and provides agricultural, commercial, and real estate loans. In December 2025, the bank entered into a merger agreement with Community West Bancshares (CWBC), pursuing a merger that would create a combined institution with approximately $5 billion in assets.
Learn more about United Security Bancshares (CA) →Market Cap
$0.2B
Approx. KRW 0.3 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank4096
Employees113people
IPO1996/04/18
Current Price$10.51 ≈ 14,399원
Key Events
⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2026년 1월 22일 (목) · 장 마감 후
Is it profitable?
Profitable but financially weak
High debt load may weigh on results in a downturn
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
25.5%
✓ 우수
Net Margin
Share of revenue left after taxes and interest are paid
18.8%
✓ 우수
ROE
Annual return earned on shareholders' equity (15%+ is strong)
9.1%
✓ 양호
ROA
Annual earnings relative to total company assets
1.0%
✓ 양호
ROIC
Return generated per dollar invested in the business
8.3%
✓ 양호
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
0.07
✓ Healthy debt
Current Ratio
Liquid assets available to cover liabilities due within a year
0.14
✓ 위험
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).
What's the outlook?
Outlook data is insufficient
Analyst estimates and price targets have not been collected.
Did earnings meet expectations?
Insufficient historical earnings data
No analyzable past earnings releases have been collected yet.
Is it growing?
Average Growth
Mid-range within the industry
Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
-9.0%
평균
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
+5.6%
평균
Past 5-Year Revenue
How much revenue grew over the past 5 years
+11.1%
양호
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
-1.3%
평균
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.
New to investing terms? Look it up in the financial dictionary →
Has the stock risen over the long term?
Long-term weakness — -40%p below the market
UBFO +28.3% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
-40.0%p
Significantly behind the market
1-year basis
vs S&P 500
+1.3%p
roughly in line with the market
Current position within 52-week range
Low (-43.6%p) High (-8.8%p)
Current price is 43.6% above the 52-week low and 8.8% below the 52-week high
Recent risk (last 55 trading days)
Max drawdown
-12.4%
Annualized volatility
21.3%
Technical Indicators
Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 63-day series
Price · Bollinger Bands · Ichimoku Cloud
- close
- BB Upper
- BB Mid
- BB Lower
- Tenkan
- Kijun
- Cloud (SpanA/B)
Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →
Current diagnosis · 2026-04-10
Uptrend zone
Current price $10.51 above the midline ($10.33). Normal upward flow. Inside the Ichimoku cloud (neutral).
MACD (12 · 26 · 9) Expand ▼
An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →
Current diagnosis · 2026-04-10
Bullish momentum holding
MACD 0.022 > Signal -0.016 in positive zone + Hist positive (+0.038). Trend in progress.
RSI(14) · Stochastics %K(14) Expand ▼
RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →
Current diagnosis · 2026-04-10
Bullish zone
RSI 55.0 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 60.8.
※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.
Is it attractive at this price?
Cheaper than peers in its industry
Cheap on Vs. Earnings·Vs. Assets·Vs. Cash Flow, In line with peers on Vs. Sales
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
Vs. Earnings Cheap
Vs. Assets Cheap
Vs. Sales Mid-range
Vs. Cash Flow Cheap
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
14.83x
✓ Cheap
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
1.32x
✓ Cheap
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
2.82x
✓ Fair
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
9.36x
✓ Very cheap
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: 전체 시장
Who owns it?
Ownership flow is positive
Short interest light 0.9%
📈 Recent trading flow (6 months)
🧑💼 Insiders (executives & directors)
0.0%
Insiders little change
🏦 Institutions (funds & investors)
-
No trading data for Institutions
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 34.5%
Moderate institutional participation
🧑💼 Insiders 25.8%
Founder/management large holders (strong skin-in-the-game)
👤 Retail investors (estimated) 39.7%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
0.9%
Low — limited short-side pressure
Past 55 days Little change
Short interest days to cover
3.4 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 17.6M주
Float (tradable shares) 13.1M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 55 days.
ETFs holding UBFO
ETFs with the highest weightings · 10 total shown
* Based on official quarterly filings. Latest disclosure; actual current weights may differ.
How much does it pay in dividends?
배당주 — 연 4.57% 배당
5년 배당 성장률 1.76%
Dividend Yield
4.57%
Industry average 2.62%
Dividend Per Share
$0.48
Annualized
Payout Ratio
69%
Share of net income paid as dividends
5-Year Growth
1.8%
Annualized dividend growth
연도별 배당 총액 추이
주당 배당금을 연 단위로 합산한 금액입니다. 막대가 우상향이면 매년 배당이 늘어나고 있다는 뜻입니다.
$0.27 -23.0%
2008
$0.17 -36.2%
2017
$0.35 +105.9%
2018
$0.55 +57.1%
2019
$0.44 -20.0%
2020
$0.44 +0.0%
2021
$0.33 -25.0%
2022
$0.46 +39.4%
2023
$0.48 +4.3%
2024
$0.60 +25.0%
2025
$X.XX 그 해 총 배당금 +X% 전년 대비 증가 -X% 감소
최근 배당 이력 총 83건
아래로 스크롤하면 과거 배당 이력을 볼 수 있습니다.
배당락일
주당 금액
지급일
당시 수익률
2025-12-26
$0.120
—
5.92%
2025-10-03
$0.120
—
6.54%
2025-07-07
$0.120
—
6.76%
2025-04-07
$0.120
—
6.11%
2025-01-02
$0.120
—
4.88%
2024-10-07
$0.120
—
5.64%
2024-07-08
$0.120
—
6.65%
2024-04-05
$0.120
—
6.53%
2024-01-02
$0.120
—
7.19%
2023-10-06
$0.120
—
7.91%
2023-07-07
$0.120
—
8.30%
2023-04-05
$0.110
—
8.96%
2023-01-03
$0.110
—
6.14%
2022-10-07
$0.110
—
8.38%
2022-07-07
$0.110
—
5.98%
2022-04-05
$0.110
—
6.69%
2021-12-31
$0.110
—
6.77%
2021-10-08
$0.110
—
5.51%
2021-07-02
$0.110
—
6.79%
2021-04-05
$0.110
—
5.44%
2020-12-31
$0.110
—
6.24%
2020-10-05
$0.110
—
8.73%
2020-07-02
$0.110
—
8.40%
2020-04-03
$0.110
—
10.85%
2019-12-31
$0.110
—
5.13%
2019-10-07
$0.110
—
4.19%
2019-07-05
$0.110
—
4.59%
2019-04-05
$0.110
—
4.84%
2019-01-02
$0.110
—
4.77%
2018-10-05
$0.100
—
3.82%
2018-07-06
$0.090
—
2.78%
2018-04-06
$0.090
—
3.04%
2018-01-03
$0.070
—
2.18%
2017-10-06
$0.070
—
1.77%
2017-07-05
$0.050
—
1.05%
2017-05-04
$0.050
—
0.60%
2008-07-09
$0.090
—
3.38%
2008-04-09
$0.090
—
3.15%
2008-01-09
$0.087
—
4.03%
2007-10-10
$0.087
—
3.11%
2007-07-03
$0.087
—
2.80%
2007-04-03
$0.087
—
2.89%
2007-01-10
$0.087
—
2.28%
2006-10-10
$0.076
—
1.87%
2006-07-05
$0.076
—
2.42%
2006-04-05
$0.076
—
2.05%
2006-01-11
$0.069
—
2.21%
2005-10-05
$0.062
—
2.88%
2005-07-06
$0.062
—
3.18%
2005-04-06
$0.062
—
3.25%
2005-01-05
$0.055
—
3.11%
2004-10-06
$0.055
—
3.35%
2004-07-07
$0.055
—
3.46%
2004-04-06
$0.055
—
2.78%
2004-01-07
$0.050
—
2.51%
2003-10-08
$0.050
—
2.69%
2003-07-09
$0.050
—
2.90%
2003-04-09
$0.050
—
3.07%
2003-01-08
$0.045
—
3.76%
2002-10-09
$0.045
—
3.05%
2002-07-10
$0.045
—
3.49%
2002-04-10
$0.045
—
3.31%
2002-01-09
$0.040
—
3.33%
2001-10-05
$0.040
—
3.34%
2001-07-11
$0.040
—
2.97%
2001-04-10
$0.040
—
3.00%
2001-01-10
$0.035
—
2.60%
2000-10-11
$0.035
—
2.47%
2000-07-12
$0.035
—
2.36%
2000-04-12
$0.028
—
2.31%
2000-01-12
$0.028
—
1.81%
1999-10-13
$0.028
—
1.90%
1999-07-14
$0.024
—
2.30%
1999-04-14
$0.024
—
2.23%
1999-01-19
$0.024
—
1.76%
1998-10-14
$0.021
—
1.95%
1998-07-30
$0.021
—
1.44%
1998-04-16
$0.021
—
1.48%
1998-01-14
$0.021
—
1.76%
1997-10-15
$0.019
—
1.45%
1997-07-09
$0.019
—
1.19%
1997-04-11
$0.019
—
0.95%
1997-01-10
$0.009
—
0.38%
* "배당락일"은 배당받으려면 이 날 이전에 주식을 보유해야 하는 기준일입니다. 지급일·당시 수익률은 일부 종목에서 데이터가 없을 수 있습니다.
💰 내가 100만원 투자한다면
연간 배당금 (세후) 3.9만원
5년 누적 (세후) 20.1만원
* 환율 1,370원, 세금 15% 반영. 5년 누적은 배당 성장률 연 1.76% 가정.
Compare Industry Peers
💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
| Stock | Market Cap | PER | PBR | ROE | Dividend Yield | Change |
|---|---|---|---|---|---|---|
| UBFO This Stock | $185.0M | 14.8 ▼ | 1.3 ▼ | 9.1% ▼ | 4.57% ▲ | +0.0% |
BRK-B | $966.4B | 14.8 ▼ | 1.5 ▼ | 10.49% ▲ | - | +0.5% |
BRK-A | $963.1B | 14.8 ▼ | 1.5 ▼ | 10.49% ▲ | - | +0.1% |
JPM | $954.4B | 15.3 ▼ | 2.7 ▼ | 17.71% ▲ | 1.8% ▼ | +0.8% |
V | $683.1B | 31.9 ▼ | 19.4 ▼ | 59.8% ▲ | 0.75% ▼ | +1.9% |
MA | $487.5B | 31.9 ▼ | 72.8 ▼ | 232.56% ▲ | 0.63% ▼ | +2.2% |
| Sector Avg | - | 13.6 | 1.3 | 9.39% | 2.62% | - |
FAQ
What kind of company is 유나이티드 시큐리티 뱅크셰어스(UBFO)?
유나이티드 시큐리티 뱅크셰어스(UBFO) belongs to the Financial sector and operates in the Banks - Regional industry.
What is the market cap of UBFO?
The market cap of UBFO is approximately $185M, ranking 4,096 within its sector.
Does UBFO pay dividends?
UBFO has a dividend yield of approximately 4.57%, with an annual dividend of $0.48.
What is the P/E ratio of UBFO?
UBFO has a P/E ratio of approximately 14.8x, which can be used to assess its valuation relative to the Financial sector average.
What is the 52-week high and low for UBFO?
UBFO has recorded a 52-week high of $11.52 and a low of $7.32.
면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.