GILL JAGROOP
Transaction: 04/01/2026
SELL
Change
-1,286,470
Price
Not reported
Filing
04/13/2026
Type
SELL
United Security Bancshares
UBFO • Banks - Regional
$10.51
— 0.00 (0.00%)
Current price
EarningsLatest report: Dec 31, 2025
FAVORABLE PROFILEAttractiveConfidence: 70%
Quantitative profile — not an investment recommendation.
Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$181.50M
Growth
5.7%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 18.6%Positive revenue growth · 12.2%Positive free cash flow · 1.15Consistent free cash flow · 5/5Reasonable earnings multiple · 14.13
Financial data as of: Dec 31, 2025, 12:00 AM UTCLast earnings update: Jan 22, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC
Company Snapshot
Key valuation, quality, financial strength, momentum and analyst data.
Price$10.51
Change0.00%
Shares Out17.27M
Market Cap$181.50M
Enterprise Value$-69.63M
52W Range7.32 - 11.52
Beta0.29
P/E14.77
P/S2.82
P/B1.30
P/FCF9.22
EV/Sales-1.08
Price$10.51
Change0.00%
Shares Out17.27M
Market Cap$181.50M
Enterprise Value$-69.63M
52W Range7.32 - 11.52
Beta0.29
P/E14.77
P/S2.82
P/B1.30
P/FCF9.22
EV/Sales-1.08
EV/EBITDA-3.85
EV/FCF-3.54
Earnings Yield6.77%
FCF Yield10.85%
Dividend Yield4.63%
Gross Margin73.27%
Oper. Margin25.33%
Profit Margin18.65%
Debt/Eq0.09
Current Ratio0.64
Quick Ratio0.64
Revenue 5Y5.67%
Volume263.98K
Avg Volume32.69K
EPS Surprise0.01
Investment DNA
How strong this company looks for long-term investors
78
out of 100
Business Quality
Margins, moat, returns
77/100
Financial Strength
Debt, cash, stability
40/100
Growth Potential
Revenue and expansion
85/100
Price Attractiveness
Cheap or expensive today
89/100
Why this score▼
Stable or improving margins · 18.6%Positive revenue growth · 12.2%Positive free cash flow · 1.15Consistent free cash flow · 5/5Reasonable earnings multiple · 14.13Manageable debt level · 0.09
Analyst view
No analyst data available now.
Insider Transactions
Recent executive and insider activity
⚠ 2 high-volume insider sells detected
Mahmood Nabeel
Transaction: 04/01/2026
SELL
Change
—
Price
Not reported
Filing
04/13/2026
Type
SELL
Yarbenet William M.
Transaction: 04/01/2026
SELL
Change
—
Price
Not reported
Filing
04/13/2026
Type
SELL
| Insider | Type | Change | Price | Transaction | Filing |
|---|---|---|---|---|---|
| GILL JAGROOP | SELL | -1,286,470 | Not reported | 04/01/2026 | 04/13/2026 |
| Mahmood Nabeel | SELL | — | Not reported | 04/01/2026 | 04/13/2026 |
| Yarbenet William M. | SELL | — | Not reported | 04/01/2026 | 04/13/2026 |
| OBERG ROBERT C JR | SELL | — | Not reported | 04/01/2026 | 04/13/2026 |
| ELLITHORPE G THOMPSON | SELL | -98,420 | Not reported | 04/01/2026 | 04/13/2026 |
| Westerlund Dora | SELL | -18,770 | Not reported | 04/01/2026 | 04/13/2026 |
| QUIGLEY SUSAN | SELL | -24,887 | Not reported | 04/01/2026 | 04/13/2026 |
| NEWBY KENNETH D | SELL | — | Not reported | 04/01/2026 | 04/13/2026 |
| Tkacz Brian | SELL | -16,871 | Not reported | 04/01/2026 | 04/13/2026 |
| CAVALLA STANLEY J | SELL | -270 | Not reported | 04/01/2026 | 04/13/2026 |
| Kinross David A | SELL | -95,733 | Not reported | 04/01/2026 | 04/13/2026 |
| Saunders Porsche A | SELL | — | Not reported | 04/01/2026 | 04/13/2026 |
| WOODS DENNIS R | SELL | -946,011 | Not reported | 04/01/2026 | 04/13/2026 |
| WILLIAMS KEVIN J | SELL | -49,575 | Not reported | 04/01/2026 | 04/13/2026 |
| Kinross David A | SELL | -28,236 | Not reported | 03/24/2026 | 04/13/2026 |
| Saunders Porsche A | SELL | -13,389 | Not reported | 03/24/2026 | 04/13/2026 |
| WOODS DENNIS R | SELL | -10,644 | Not reported | 03/24/2026 | 04/13/2026 |
| WILLIAMS KEVIN J | SELL | -6,644 | Not reported | 03/24/2026 | 04/13/2026 |
| Westerlund Dora | SELL | -15,000 | $8.17 | 04/01/2026 | 04/03/2026 |
| Westerlund Dora | SELL | -18,770 | $10.51 | 04/01/2026 | 04/03/2026 |