What is United Security Bancshares Efficiency Overhead Ratio %?
Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
United Security Bancshares's Efficiency Overhead Ratio % for the quarter that ended in Mar. 2024 was 52.96%
, which is higher than
46.40% for the pervious quarter ended in Dec. 2023.
United Security Bancshares's Efficiency Overhead Ratio % for the annual that ended in Dec. 2023 was 47.32%
, which is lower than
49.77% for the pervious year ended in Dec. 2022.
The historical rank and industry rank for United Security Bancshares's Efficiency Overhead Ratio % or its related term are showing as below:
UBFO's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
United Security Bancshares Efficiency Overhead Ratio % Historical Data
The historical data trend for United Security Bancshares's Efficiency Overhead Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Premium members only.
United Security Bancshares Efficiency Overhead Ratio % Chart
Competitive Comparison of United Security Bancshares's Efficiency Overhead Ratio %
For the Banks - Regional subindustry, United Security Bancshares's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Security Bancshares (NAS:UBFO) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Security Bancshares (NAS:UBFO) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
United Security Bancshares Efficiency Overhead Ratio % Related Terms
Thank you for viewing the detailed overview of United Security Bancshares's Efficiency Overhead Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.
United Security Bancshares (United Security Bancshares) Business Description
United Security Bancshares operates as the holding for United Security Bank. It provides commercial banking services to the business and professional community, and individuals located in Fresno, Madera, and Kern Counties. It offers checking and savings accounts, deposits, mortgage loans, credit and debit cards, safe deposit boxes, automated teller machines, wire transfers, money market accounts, mobile banking, and wealth management services. The company's primary sources of revenue are interest income from loans and investment securities.
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