Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Full Access

See Pricing Start Trial

United Security Bancshares (UBFO)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$5.92 - $9.00$7.36
Multi-Stage$8.84 - $9.67$9.25
Blended Fair Value$8.31
Current Price$9.33
Upside-10.98%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS2.18%0.00%0.480.460.430.430.430.430.270.170.000.00
YoY Growth--5.55%4.99%0.09%0.28%0.13%57.61%64.88%0.00%0.00%0.00%
Dividend Yield--5.37%6.05%6.81%5.23%5.28%6.75%2.54%1.55%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)11.37
(-) Cash Dividends Paid (M)8.35
(=) Cash Retained (M)3.02
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)2.271.420.85
Cash Retained (M)3.023.023.02
(-) Cash Required (M)-2.27-1.42-0.85
(=) Excess Retained (M)0.741.602.17
(/) Shares Outstanding (M)17.2617.2617.26
(=) Excess Retained per Share0.040.090.13
LTM Dividend per Share0.480.480.48
(+) Excess Retained per Share0.040.090.13
(=) Adjusted Dividend0.530.580.61
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate0.18%1.18%2.18%
Fair Value$5.92$7.36$9.00
Upside / Downside-36.57%-21.08%-3.57%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)11.3711.5011.6411.7811.9212.0612.42
Payout Ratio73.45%76.76%80.07%83.38%86.69%90.00%92.50%
Projected Dividends (M)8.358.839.329.8210.3310.8511.49

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate0.18%1.18%2.18%
Year 1 PV (M)8.018.098.17
Year 2 PV (M)7.687.837.99
Year 3 PV (M)7.347.567.79
Year 4 PV (M)7.017.297.58
Year 5 PV (M)6.687.027.37
PV of Terminal Value (M)115.97121.87128.01
Equity Value (M)152.68159.67166.92
Shares Outstanding (M)17.2617.2617.26
Fair Value$8.84$9.25$9.67
Upside / Downside-5.21%-0.87%3.63%

High-Yield Dividend Screener

« Prev Page 23 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
002293.SZLuolai Lifestyle Technology Co., Ltd.5.90%$0.6198.42%
KLBN11.SAKlabin S.A.5.90%$1.1379.59%
T9Z.DEZumtobel Group AG5.89%$0.2568.81%
4006.KLOriental Holdings Berhad5.88%$0.4091.37%
7231.KLWellcall Holdings Berhad5.88%$0.0898.90%
ALBAV.HEÅlandsbanken Abp5.88%$2.8380.11%
HSPG.OLHøland og Setskog Sparebank5.88%$9.009.64%
TAEE3.SATransmissora Aliança de Energia Elétrica S.A.5.88%$0.8249.16%
095570.KSAJ Networks Co.,Ltd.5.87%$269.8946.78%
CONSTI.HEConsti Oyj5.87%$0.6379.88%
DEDI.STDedicare AB (publ)5.87%$2.5059.86%
SUC.BKSaha-Union Public Company Limited5.87%$1.6026.76%
0QQF.LMikron Holding AG5.85%$1.2032.60%
0RNX.LAmbea AB (publ)5.85%$2.1927.21%
3459.TSamty Residential Investment Corporation5.85%$6,816.2884.59%
PLAT.ATThrace Plastics Holding Company S.A.5.85%$0.2485.91%
7229.KLFavelle Favco Berhad5.84%$0.0931.57%
M-II.BKMFC Industrial Investment Property and Leasehold Fund5.83%$0.3544.44%
NOHO.HENoHo Partners Oyj5.83%$0.4829.48%
0QN7.LVaudoise Assurances Holding S.A.5.82%$42.4142.05%
4164.SRNahdi Medical Company5.81%$5.6089.58%
5511.TWOTe Chang Construction Co., Ltd.5.81%$3.7946.23%
PPA.ATPiraeus Port Authority S.A.5.81%$2.3838.50%
WHA-R.BKWHA Corporation Public Company Limited5.81%$0.1957.71%
MULTI.OLMulticonsult ASA5.80%$10.1891.58%
QIMD.QAQatar Industrial Manufacturing Company Q.P.S.C.5.80%$0.1448.99%
000791.SZGEPIC Energy Development Co., Ltd.5.79%$0.3746.47%
0NFS.LEsprinet S.p.A.5.79%$0.3693.72%
MYS.AXMyState Limited5.79%$0.2670.40%
5299.TWOExcelliance MOS Corporation5.78%$4.1493.57%
8987.TJapan Excellent, Inc.5.78%$8,618.1168.54%
9528.SRGas Arabian Services Company5.78%$0.9877.70%
PLS.AXPLS Group Limited5.78%$0.2556.17%
1104.HKAPAC Resources Limited5.77%$0.1533.87%
9525.SRAlwasail Industrial Company5.77%$0.2085.38%
CBA.AXCommonwealth Bank of Australia5.77%$9.3079.76%
GSLGlobal Ship Lease, Inc.5.77%$2.0117.72%
5138.KLHap Seng Plantations Holdings Berhad5.76%$0.1355.68%
601088.SSChina Shenhua Energy Company Limited5.76%$2.3381.35%
ALI.AXArgo Global Listed Infrastructure Limited5.76%$0.1510.56%
000755.SZShanxi Hi-speed Group Co., Ltd.5.75%$0.2989.22%
EELT.MEEuropean Eltech Public Joint Stock Company5.75%$0.5236.41%
1846.HKEuroEyes International Eye Clinic Limited5.74%$0.1729.90%
9296.KLRCE Capital Berhad5.74%$0.0692.92%
BELA.ATJumbo S.A.5.74%$1.6068.01%
GRP-UNGranite Real Estate Investment Trust5.74%$3.4071.71%
6199.HKBank of Guizhou Co., Ltd.5.73%$0.0624.27%
6581.TWTaiwan Steel Union Co., Ltd5.73%$5.9988.31%
HAIS.JKPT Hasnur Internasional Shipping Tbk5.73%$15.3740.52%
HTSC.LHuatai Securities Co., Ltd.5.73%$1.2668.65%