United Net Interest Income vs Operating Income Analysis

UBFO Stock

USD 7.40 0.09 1.20%

United Security financial indicator trend analysis is much more than just breaking down United Security Banc prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether United Security Banc is a good investment. Please check the relationship between United Security Net Interest Income and its Operating Income accounts. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in United Security Bancshares. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.

Net Interest Income vs Operating Income

Net Interest Income vs Operating Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of United Security Banc Net Interest Income account and Operating Income. At this time, the significance of the direction appears to have strong relationship.

The correlation between United Security's Net Interest Income and Operating Income is 0.78. Overlapping area represents the amount of variation of Net Interest Income that can explain the historical movement of Operating Income in the same time period over historical financial statements of United Security Bancshares, assuming nothing else is changed. The correlation between historical values of United Security's Net Interest Income and Operating Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Interest Income of United Security Bancshares are associated (or correlated) with its Operating Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Operating Income has no effect on the direction of Net Interest Income i.e., United Security's Net Interest Income and Operating Income go up and down completely randomly.

Correlation Coefficient

0.78

Relationship Direction	Positive
Relationship Strength	Significant

View All Relationships

Net Interest Income

The difference between the revenue generated from a bank's interest-bearing assets and the expenses associated with paying its interest-bearing liabilities.

Operating Income

Operating Income is the amount of profit realized from United Security Banc operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of United Security Bancshares is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Most indicators from United Security's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into United Security Banc current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in United Security Bancshares. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.

At this time, United Security's Sales General And Administrative To Revenue is very stable compared to the past year. As of the 27th of April 2024, Enterprise Value Over EBITDA is likely to grow to 88.69, while Selling General Administrative is likely to drop about 11 M.

	2021	2022	2023	2024 (projected)
Total Revenue	38.9M	47.8M	65.4M	35.7M
Interest Expense	2.1M	3.2M	11.1M	11.6M

Total Revenue Interest Expense

United Security fundamental ratios Correlations

	Total Assets	Total Stockholder Equity	Other Assets	Common Stock Shares Outstanding	Other Stockholder Equity	Total Liab	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Other Liab	Property Plant And Equipment Net	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Long Term Debt	Cash And Short Term Investments	Net Receivables	Common Stock Total Equity	Non Current Liabilities Total	Inventory	Property Plant And Equipment Gross	Total Current Assets	Intangible Assets
Total Assets		0.91	0.14	0.46	-0.58	0.41	0.31	0.66	0.21	0.88	0.44	-0.18	0.94	0.63	0.3	0.25	0.17	0.7	0.47	0.79	0.85	0.48	-0.47	0.34	-0.15	0.47
Total Stockholder Equity	0.91		0.13	0.51	-0.66	0.49	0.27	0.41	0.16	0.82	0.51	-0.33	0.91	0.39	0.45	0.2	0.16	0.79	0.5	0.76	0.97	0.25	-0.48	0.32	0.08	0.54
Other Assets	0.14	0.13		-0.15	-0.14	0.02	-0.63	-0.26	-0.67	0.14	0.26	-0.5	-0.02	-0.31	0.39	-0.68	-0.69	0.25	0.62	0.09	0.13	0.19	-0.11	-0.56	0.55	-0.1
Common Stock Shares Outstanding	0.46	0.51	-0.15		-0.43	0.32	0.66	0.49	0.58	0.49	0.71	0.11	0.43	0.53	0.06	0.59	0.59	0.73	-0.05	0.16	0.5	0.21	0.0	0.76	-0.04	0.17
Other Stockholder Equity	-0.58	-0.66	-0.14	-0.43		-0.41	-0.17	-0.33	-0.09	-0.43	-0.3	0.04	-0.64	-0.34	-0.1	-0.1	-0.06	-0.55	-0.31	-0.43	-0.63	-0.46	0.16	-0.19	-0.02	-0.6
Total Liab	0.41	0.49	0.02	0.32	-0.41		0.31	0.0	0.27	0.45	0.28	0.13	0.56	0.14	-0.06	0.22	0.22	0.42	-0.06	0.46	0.55	0.54	0.07	0.35	-0.08	0.28
Short Long Term Debt Total	0.31	0.27	-0.63	0.66	-0.17	0.31		0.66	0.99	0.43	0.15	0.58	0.45	0.75	-0.37	0.99	0.98	0.28	-0.57	0.22	0.27	0.17	0.18	0.98	-0.58	0.22
Other Current Liab	0.66	0.41	-0.26	0.49	-0.33	0.0	0.66		0.62	0.56	0.14	0.41	0.63	0.98	-0.28	0.66	0.57	0.3	-0.11	0.41	0.33	0.49	-0.07	0.63	-0.58	0.28
Total Current Liabilities	0.21	0.16	-0.67	0.58	-0.09	0.27	0.99	0.62		0.33	0.03	0.65	0.36	0.72	-0.46	1.0	0.99	0.15	-0.67	0.15	0.16	0.14	0.26	0.95	-0.61	0.2
Other Liab	0.88	0.82	0.14	0.49	-0.43	0.45	0.43	0.56	0.33		0.44	-0.2	0.86	0.56	0.36	0.37	0.31	0.71	0.36	0.81	0.76	0.32	-0.45	0.46	-0.21	0.34
Property Plant And Equipment Net	0.44	0.51	0.26	0.71	-0.3	0.28	0.15	0.14	0.03	0.44		-0.28	0.31	0.13	0.36	0.04	0.05	0.88	0.34	0.01	0.55	0.13	-0.16	0.34	0.31	-0.05
Net Debt	-0.18	-0.33	-0.5	0.11	0.04	0.13	0.58	0.41	0.65	-0.2	-0.28		-0.05	0.52	-0.97	0.6	0.59	-0.3	-0.89	-0.24	-0.26	0.42	0.72	0.51	-0.54	-0.01
Retained Earnings	0.94	0.91	-0.02	0.43	-0.64	0.56	0.45	0.63	0.36	0.86	0.31	-0.05		0.63	0.18	0.39	0.32	0.62	0.29	0.85	0.86	0.48	-0.41	0.45	-0.28	0.56
Accounts Payable	0.63	0.39	-0.31	0.53	-0.34	0.14	0.75	0.98	0.72	0.56	0.13	0.52	0.63		-0.38	0.74	0.65	0.29	-0.24	0.4	0.33	0.56	0.02	0.71	-0.64	0.28
Cash	0.3	0.45	0.39	0.06	-0.1	-0.06	-0.37	-0.28	-0.46	0.36	0.36	-0.97	0.18	-0.38		-0.4	-0.39	0.43	0.85	0.34	0.37	-0.42	-0.77	-0.3	0.44	0.08
Non Current Assets Total	0.25	0.2	-0.68	0.59	-0.1	0.22	0.99	0.66	1.0	0.37	0.04	0.6	0.39	0.74	-0.4		0.99	0.17	-0.62	0.19	0.19	0.11	0.19	0.95	-0.61	0.21
Non Currrent Assets Other	0.17	0.16	-0.69	0.59	-0.06	0.22	0.98	0.57	0.99	0.31	0.05	0.59	0.32	0.65	-0.39	0.99		0.16	-0.66	0.12	0.17	0.02	0.23	0.95	-0.55	0.19
Long Term Debt	0.7	0.79	0.25	0.73	-0.55	0.42	0.28	0.3	0.15	0.71	0.88	-0.3	0.62	0.29	0.43	0.17	0.16		0.41	0.33	0.81	0.19	-0.25	0.42	0.26	0.16
Cash And Short Term Investments	0.47	0.5	0.62	-0.05	-0.31	-0.06	-0.57	-0.11	-0.67	0.36	0.34	-0.89	0.29	-0.24	0.85	-0.62	-0.66	0.41		0.42	0.4	-0.02	-0.74	-0.52	0.42	0.13
Net Receivables	0.79	0.76	0.09	0.16	-0.43	0.46	0.22	0.41	0.15	0.81	0.01	-0.24	0.85	0.4	0.34	0.19	0.12	0.33	0.42		0.65	0.35	-0.57	0.16	-0.26	0.52
Common Stock Total Equity	0.85	0.97	0.13	0.5	-0.63	0.55	0.27	0.33	0.16	0.76	0.55	-0.26	0.86	0.33	0.37	0.19	0.17	0.81	0.4	0.65		0.23	-0.32	0.34	0.19	0.5
Non Current Liabilities Total	0.48	0.25	0.19	0.21	-0.46	0.54	0.17	0.49	0.14	0.32	0.13	0.42	0.48	0.56	-0.42	0.11	0.02	0.19	-0.02	0.35	0.23		0.17	0.17	-0.35	0.16
Inventory	-0.47	-0.48	-0.11	0.0	0.16	0.07	0.18	-0.07	0.26	-0.45	-0.16	0.72	-0.41	0.02	-0.77	0.19	0.23	-0.25	-0.74	-0.57	-0.32	0.17		0.17	0.13	-0.22
Property Plant And Equipment Gross	0.34	0.32	-0.56	0.76	-0.19	0.35	0.98	0.63	0.95	0.46	0.34	0.51	0.45	0.71	-0.3	0.95	0.95	0.42	-0.52	0.16	0.34	0.17	0.17		-0.48	0.18
Total Current Assets	-0.15	0.08	0.55	-0.04	-0.02	-0.08	-0.58	-0.58	-0.61	-0.21	0.31	-0.54	-0.28	-0.64	0.44	-0.61	-0.55	0.26	0.42	-0.26	0.19	-0.35	0.13	-0.48		-0.09
Intangible Assets	0.47	0.54	-0.1	0.17	-0.6	0.28	0.22	0.28	0.2	0.34	-0.05	-0.01	0.56	0.28	0.08	0.21	0.19	0.16	0.13	0.52	0.5	0.16	-0.22	0.18	-0.09

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United Security Account Relationship Matchups

United Security fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	956.9M	1.1B	1.3B	1.3B	1.2B	802.4M
Total Stockholder Equity	116.0M	117.8M	120.2M	112.5M	122.5M	84.3M
Other Assets	556.1M	605.4M	726.6M	1.0B	1.0	0.95
Common Stock Shares Outstanding	17.0M	17.0M	17.0M	17.1M	17.1M	18.2M
Liabilities And Stockholders Equity	956.9M	1.1B	1.3B	1.3B	1.2B	802.4M
Other Stockholder Equity	368K	(728K)	(1.2M)	(17.5M)	(1.0)	(0.95)
Total Liab	840.9M	974.8M	13.9M	1.2B	1.1B	667.5M
Short Long Term Debt Total	14.3M	13.9M	13.9M	13.0M	74.7M	78.4M
Other Current Liab	(59K)	(33K)	1.2B	810.1M	931.6M	978.2M
Total Current Liabilities	59K	33K	2.7M	2.1M	872.7M	916.3M
Other Liab	8.2M	8.3M	8.7M	8.3M	9.5M	6.8M
Property Plant And Equipment Net	12.7M	11.0M	11.5M	11.8M	10.4M	11.5M
Net Debt	(204.7M)	(280.2M)	(205.3M)	(25.6M)	33.9M	35.6M
Retained Earnings	57.6M	59.1M	61.7M	69.9M	77.0M	45.1M
Accounts Payable	59K	33K	1.2B	1.2B	1.3B	1.4B
Cash	219.0M	294.1M	219.2M	38.6M	40.8M	38.7M
Non Current Assets Total	97.3M	101.7M	198.7M	29.1M	1.2B	1.2B
Non Currrent Assets Other	(3.2M)	(2.9M)	(3.6M)	(210.9M)	1.1B	1.2B
Long Term Debt	10.8M	10.9M	11.2M	10.9M	11.2M	9.8M
Cash And Short Term Investments	295.3M	376.4M	398.1M	246.1M	(40.6M)	(38.5M)
Net Receivables	8.2M	9.1M	7.5M	8.5M	7.9M	4.7M
Common Stock Total Equity	58.6M	59.0M	59.4M	59.6M	68.6M	45.1M
Non Current Liabilities Total	14.3M	13.9M	13.9M	1.2B	218.8M	229.7M
Inventory	(234.0M)	(307.2M)	(231.3M)	4.6M	32.6M	34.3M
Property Plant And Equipment Gross	12.7M	12.0M	11.5M	11.8M	29.9M	31.4M
Total Current Assets	303.5M	385.5M	405.7M	247.7M	53.3M	50.6M
Accumulated Other Comprehensive Income	(632K)	(728K)	(1.2M)	(17.5M)	(15.0M)	(14.3M)
Common Stock	59.0M	59.4M	59.6M	60.0M	60.6M	45.2M
Property Plant Equipment	9.4M	11.0M	11.5M	11.8M	13.5M	11.4M
Short Term Investments	76.3M	82.3M	178.9M	207.5M	181.3M	190.3M
Other Current Assets	234.0M	307.2M	231.3M	(6.9M)	53.3M	50.6M
Net Tangible Assets	111.5M	113.3M	115.7M	108.0M	124.2M	100.8M
Retained Earnings Total Equity	49.9M	57.6M	59.1M	61.7M	71.0M	46.3M
Long Term Debt Total	10.2M	10.8M	10.9M	11.2M	12.9M	11.0M
Long Term Investments	588.6M	86.2M	182.6M	210.9M	187.8M	315.5M

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards United Security in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, United Security's short interest history, or implied volatility extrapolated from United Security options trading.

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When determining whether United Security Banc offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of United Security's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of United Security Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on United Security Bancshares Stock:

How To Invest In United

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Is United Stock a good investment?

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What is United Security's Net Worth?

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Largest Banks - Regional Companies

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Check out World Market Map to better understand how to build diversified portfolios, which includes a position in United Security Bancshares. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.

Note that the United Security Banc information on this page should be used as a complementary analysis to other United Security's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Content Syndication module to quickly integrate customizable finance content to your own investment portal.

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When running United Security's price analysis, check to measure United Security's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy United Security is operating at the current time. Most of United Security's value examination focuses on studying past and present price action to predict the probability of United Security's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move United Security's price. Additionally, you may evaluate how the addition of United Security to your portfolios can decrease your overall portfolio volatility.

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Is United Security's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of United Security. If investors know United will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about United Security listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.33)

Dividend Share

0.47

Earnings Share

1.04

Revenue Per Share

2.984

Quarterly Revenue Growth

(0.15)

The market value of United Security Banc is measured differently than its book value, which is the value of United that is recorded on the company's balance sheet. Investors also form their own opinion of United Security's value that differs from its market value or its book value, called intrinsic value, which is United Security's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because United Security's market value can be influenced by many factors that don't directly affect United Security's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between United Security's value and its price as these two are different measures arrived at by different means. Investors typically determine if United Security is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, United Security's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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United Net Interest Income vs Operating Income Analysis

Net Interest Income vs Operating Income

Net Interest Income vs Operating Income Correlation Analysis

Correlation Coefficient

Net Interest Income

Operating Income

United Security fundamental ratios Correlations

United Security Account Relationship Matchups

High Positive Relationship

High Negative Relationship

United Security fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Non Current Assets Total	+ 1.0	Total Current Liabilities
Total Current Liabilities	+ 0.99	Short Long Term Debt Total
Non Current Assets Total	+ 0.99	Short Long Term Debt Total
Non Currrent Assets Other	+ 0.99	Total Current Liabilities
Non Currrent Assets Other	+ 0.99	Non Current Assets Total
Non Currrent Assets Other	+ 0.98	Short Long Term Debt Total

Cash	- 0.97	Net Debt
Cash And Short Term Investments	- 0.89	Net Debt
Inventory	- 0.77	Cash
Inventory	- 0.74	Cash And Short Term Investments
Non Currrent Assets Other	- 0.69	Other Assets
Non Current Assets Total	- 0.68	Other Assets