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UBFO vs V

UBFO
United Security Bancshares
NEUTRAL
Price
$10.51
Market Cap
$185.0M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
UBFO
15.01
V
28.35
Forward P/E
UBFO
--
V
20.79
P/B Ratio
UBFO
1.32
V
15.09
P/S Ratio
UBFO
3.83
V
14.08
EV/EBITDA
UBFO
--
V
20.06

Profitability

Gross Margin
UBFO
0.0%
V
97.78%
Operating Margin
UBFO
39.15%
V
68.3%
Profit Margin
UBFO
25.45%
V
50.23%
ROE
UBFO
9.1%
V
53.95%
ROA
UBFO
1.0%
V
18.36%

Growth

Revenue Growth
UBFO
15.8%
V
14.6%
Earnings Growth
UBFO
44.0%
V
17.4%

Financial Health

Debt/Equity
UBFO
--
V
0.55
Current Ratio
UBFO
--
V
1.11
Quick Ratio
UBFO
--
V
0.72

Dividends

Dividend Yield
UBFO
0.05%
V
0.89%
Payout Ratio
UBFO
68.57%
V
22.91%

AI Verdict

UBFO NEUTRAL

UBFO presents a classic value disconnect: the company is fundamentally undervalued with a current price of $10.51 sitting below both its Graham Number ($11.19) and Intrinsic Value ($20.65). While the Piotroski F-Score of 4/9 indicates stable but mediocre financial health, the company shows impressive YoY earnings growth of 44%. However, a Technical Trend score of 0/100 suggests strong bearish momentum that offsets the fundamental value. The stock is a potential long-term value play, but immediate entry is risky given the technical headwinds.

Strengths
Trading below Graham Number ($11.19) and significantly below Intrinsic Value ($20.65)
Strong YoY earnings growth of 44.00%
Robust operating margin of 39.15%
Risks
Severe bearish technical trend (0/100 score)
Mediocre Piotroski F-Score (4/9) suggesting stagnant health improvements
Negligible dividend yield (0.05%) providing no income cushion
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

UBFO vs V: Head-to-Head Comparison

This page compares United Security Bancshares (UBFO) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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