United Security Bancshares

United Security Bank offers a range of commercial banking services primarily to the business and professional community and individuals located in Fresno, Madera, Kern and Santa Clara Counties. The Bank also offers a range of deposit instruments, including personal and business checking accounts and savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts and time certificates of deposit.

Company Growth (employees)
Type
Public
HQ
Fresno, US
Founded
1987
Size (employees)
132 (est)
United Security Bancshares was founded in 1987 and is headquartered in Fresno, US

United Security Bancshares Office Locations

United Security Bancshares has an office in Fresno
Fresno, US (HQ)
1525 E Shaw Ave

United Security Bancshares Data and Metrics

United Security Bancshares Financial Metrics

United Security Bancshares's revenue was reported to be $8.5 m in Q1, 2017
USD

Revenue (Q1, 2017)

8.5 m

Gross profit (Q1, 2017)

8.1 m

Gross profit margin (Q1, 2017), %

95%

Net income (Q1, 2017)

1.8 m

EBIT (Q1, 2017)

7.2 m

Market capitalization (17-Aug-2017)

147.8 m

Cash (31-Mar-2017)

133.1 m
United Security Bancshares's current market capitalization is $147.8 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

27 m30.1 m27.4 m29.5 m

Revenue growth, %

12%(9%)8%

Cost of goods sold

1.3 m1.4 m

Gross profit

26.1 m28.1 m

Gross profit Margin, %

95%95%

Sales and marketing expense

10.6 m

R&D expense

148 k

Operating expense total

19.1 m19.2 m19.6 m20.3 m

EBIT

22.5 m24.5 m24.7 m

EBIT margin, %

83%81%84%

Interest expense

1.6 m1.3 m

Pre tax profit

7.4 m10.4 m1.4 m

Income tax expense

105 k4.2 m4.5 m4.9 m

Net Income

7.3 m6.2 m6.8 m7.4 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

9.4 m9.1 m8.4 m8.4 m8.5 m8.4 m8.5 m8.5 m

Cost of goods sold

630 k642 k312 k326 k335 k330 k349 k405 k

Gross profit

8.8 m8.4 m8.1 m8.1 m8.2 m8.1 m8.2 m8.1 m

Gross profit Margin, %

93%93%96%96%96%96%96%95%

Sales and marketing expense

4.1 m4.4 m2.3 m2.3 m2.6 m2.5 m2.5 m3 m

R&D expense

28 k29 k59 k26 k23 k27 k

Operating expense total

4.1 m4.4 m2.3 m2.4 m2.6 m2.5 m2.6 m3 m

EBIT

7.3 m7.3 m6.5 m6.6 m6.6 m6.7 m7.4 m7.2 m

EBIT margin, %

78%80%78%79%78%79%87%85%

Pre tax profit

1.8 m1.3 m

Income tax expense

608 k413 k1.3 m1.2 m1.1 m1.2 m1.3 m1.2 m

Net Income

1.2 m837 k1.2 m2.1 m5.2 m1.8 m2 m2 m1.8 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

135.2 m103.6 m44.1 m23.5 m

Accounts Receivable

1.6 m1.9 m1.8 m50.7 m

Inventories

569.8 m

Goodwill

4.5 m4.5 m4.5 m4.5 m

Total Assets

635.9 m663.2 m575.8 m606.9 m

Accounts Payable

5.7 m4.8 m497.6 m

Total Debt

12.4 m25.1 m

Total Liabilities

530.7 m

Retained Earnings

30.9 m33.7 m86.7 m87.4 m

Total Equity

76.5 m82.8 m76.3 m76.2 m

Debt to Equity Ratio

0.1 x0.2 x0.3 x

Debt to Assets Ratio

0 x0 x0 x

Financial Leverage

8.3 x8 x7.5 x8 x
USDQ2, 2014Q3, 2014Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

41.4 m34.5 m82.2 m116.4 m125.5 m94.6 m111.7 m133.1 m

Inventories

503.7 m515.7 m517.7 m557.2 m559.6 m546.8 m

PP&E

9.2 m9.2 m

Goodwill

4.5 m4.5 m4.5 m4.5 m4.5 m4.5 m

Total Assets

570.7 m562.7 m682.3 m718.4 m741.8 m744.1 m781.6 m784.1 m

Accounts Payable

483.3 m474.5 m580 m616.6 m637.3 m636.9 m671.3 m670.5 m

Retained Earnings

83.2 m84 m35.4 m36.5 m38.2 m39.4 m40.4 m41.3 m

Total Equity

73.2 m73.9 m86 m88 m91.5 m93.6 m95.6 m98.5 m

Financial Leverage

7.8 x7.6 x7.9 x8.2 x8.1 x7.9 x8.2 x8 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

7.3 m6.2 m2.6 m1.2 m

Depreciation and Amortization

1.3 m1.4 m2.6 m(552 k)

Accounts Payable

(27 k)(4 k)(146 k)

Cash From Operating Activities

11.9 m9 m7.4 m8.2 m

Purchases of PP&E

(31.4 m)

Cash From Investing Activities

2.5 m(63.6 m)473 k(59.3 m)

Dividends Paid

(181 k)(484 k)(483 k)

Cash From Financing Activities

2 m30.6 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

1.2 m837 k1.2 m2.1 m5.2 m1.8 m2 m2 m1.8 m

Depreciation and Amortization

667 k1 m355 k717 k1.1 m363 k731 k324 k

Accounts Receivable

2.3 m2.2 m

Accounts Payable

(5 k)(2 k)2 k(12 k)(10 k)(1 k)

Cash From Operating Activities

3.5 m6.1 m2.1 m5 m6.7 m(239 k)3 m2.4 m

Cash From Investing Activities

(31.6 m)(55 m)(33.1 m)(41 m)(43.4 m)(15.5 m)(49.3 m)23.8 m

Cash From Financing Activities

13.6 m48.6 m12.9 m14.6 m49.5 m15.5 m15.1 m(6.1 m)
USDY, 2017

Revenue/Employee

65.5 k

Financial Leverage

8 x

United Security Bancshares Operating Metrics

United Security Bancshares's Total Loans Issued was reported to be $567.2 m in Q2, 2017

    United Security Bancshares Market Value History

    Traffic Overview of United Security Bancshares

    United Security Bancshares Company Life and Culture

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