United Security Bancshares
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
13.3912.6117.5321.4911.5511.9813.3513.677.947.279.8111.98
Price/Sales ratio
2.902.783.925.124.214.273.253.542.602.692.604.27
Price/Book Value ratio
1.000.951.341.831.481.561.011.141.101.171.301.56
Price/Cash Flow ratio
9.249.2713.6924.5814.5512.718.678.345.256.737.9512.71
Price/Free Cash Flow ratio
10.1110.0615.4428.9016.0213.639.459.035.776.998.1013.63
Price/Earnings Growth ratio
-0.841.551.751.350.181.42-0.321.200.140.270.091.42
Dividend Yield
N/AN/AN/A1.54%2.92%4.10%6.23%5.42%6.01%5.46%4.75%2.92%
Profitability Indicator Ratios
Gross Profit Margin
100.35%100%100%100.19%100%100%100%100%100%100%100%100%
Operating Profit Margin
45.59%40.80%41.37%48.03%57.34%50.03%33.79%34.18%54.09%53.16%44.80%50.03%
Pretax Profit Margin
36.34%36.64%37.11%43.25%50.31%50.03%33.79%34.18%46.14%51.42%36.14%50.03%
Net Profit Margin
21.70%22.07%22.36%23.83%36.45%35.68%24.40%25.92%32.81%37.05%26.37%35.68%
Effective Tax Rate
40.27%39.77%39.73%44.89%27.55%28.66%27.80%24.15%28.89%27.95%27.03%28.66%
Return on Assets
0.93%0.93%0.93%1.07%1.50%1.58%0.82%0.75%1.20%1.63%1.40%1.58%
Return On Equity
7.50%7.59%7.66%8.52%12.83%13.08%7.60%8.40%13.94%16.15%13.95%12.83%
Return on Capital Employed
1.96%1.73%1.73%2.16%2.36%2.22%1.13%1.00%1.99%2.47%3.48%2.36%
Liquidity Ratios
Current Ratio
0.260.250.250.230.360.10N/AN/AN/AN/A0.560.36
Quick Ratio
14.94K23.39K9.40K16.90K14.85K9.10K20.99K235.48118.333.580.569.10K
Cash ratio
2.62K4.38K1.49K2.45K3.86K3.71K8.91K81.0418.440.640.123.71K
Days of Sales Outstanding
24.5626.2643.0565.7279.1770.4790.5470.5664.8154.1545.1370.47
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
24.56N/AN/A65.72N/AN/AN/AN/AN/AN/A45.13N/A
Days of Payables Outstanding
-143.13N/AN/A-226.19N/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
167.69N/AN/A291.91N/AN/AN/AN/AN/AN/A45.13N/A
Debt Ratios
Debt Ratio
0.010.010.010.010.010.010.000.000.000.060.030.01
Debt Equity Ratio
0.120.090.090.090.090.090.090.090.090.590.340.09
Long-term Debt to Capitalization
0.100.080.080.080.080.080.080.080.080.080.070.08
Total Debt to Capitalization
0.100.080.080.080.080.080.080.080.080.370.250.08
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A3.67N/AN/AN/A2.81N/A
Cash Flow to Debt Ratio
0.881.111.070.771.091.321.261.472.170.290.481.32
Company Equity Multiplier
8.008.098.177.958.548.259.2711.0711.559.889.448.54
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.310.300.280.200.280.330.370.420.490.400.320.28
Free Cash Flow / Operating Cash Flow Ratio
0.910.920.880.850.900.930.910.920.900.960.980.90
Cash Flow Coverage Ratio
0.881.111.070.771.091.321.261.472.170.290.481.32
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/A0.340.64N/A
Dividend Payout Ratio
N/AN/AN/A33.21%33.75%49.15%83.33%74.16%47.78%39.75%45.93%33.75%