United Security Bancshares (UBFO)
NASDAQ:UBFO
UBFO Stock Chart & Stats
$10.36
$0.00(0.00%)
At close: 4:00 PM EST
$10.36
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$7.32 - $11.52
Previous CloseN/A
Volume1.65K
Average Volume (3M)27.81K
Market Cap
$181.86M
Enterprise Value$73.15M
Total Cash (Recent Filing)$260.78M
Total Debt (Recent Filing)$13.01M
Price to Earnings (P/E)14.1
Beta0.73
Next Earnings
Apr 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.66%
Share Statistics
EPS (TTM)0.19
Shares Outstanding17,604,923
10 Day Avg. Volume25,245
30 Day Avg. Volume27,812
Financial Highlights & Ratios
PEG Ratio-0.81
Price to Book (P/B)1.24
Price to Sales (P/S)2.63
P/FCF Ratio0.00
Enterprise Value/Market Cap0.40
Enterprise Value/Revenue1.14
Enterprise Value/Gross Profit1.52
Enterprise Value/Ebitda4.05
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance-sheet And Rising EquitySustained equity growth and a low debt-to-equity position provide a durable capital buffer that supports lending growth, absorb losses, and fund strategic moves. Conservative leverage reduces refinancing risk and underpins long-term financial flexibility across economic cycles.
Regulatory-cleared Merger To Increase ScaleRegulatory clearance materially de-risks the transaction and positions the combined bank for greater scale in California, enabling potential cost synergies, broader client coverage and a larger deposit base—structural benefits that can improve long-run competitiveness if integration is executed.
Meaningful Revenue Growth Since 2020Multi-year revenue expansion signals effective loan growth and fee income development, supporting sustainable net interest income generation. A growing revenue base provides more operating leverage to cover fixed costs and supports reinvestment even if near-term margins compress.
Bears Say
Compressing Margins And Falling EarningsMaterial margin compression and consecutive earnings declines weaken profitability resilience. Lower margins reduce the bank’s ability to absorb credit losses, invest in growth or maintain dividend capacity, making profitability more sensitive to rate and competitive pressures over months ahead.
Weakening Cash Generation TrendsDeclining operating and free cash flow erodes internal funding for loan growth, capital needs, and merger integration costs. Persistent cash-flow deterioration can force greater reliance on external funding or capital actions, reducing strategic optionality and increasing vulnerability to shocks.
Deal-related Legal And Integration RisksActive litigation and disclosure challenges create execution uncertainty, potential legal costs, and management distraction ahead of the merger. These risks can delay realization of scale benefits, increase transaction costs, or materially alter timelines and expected synergies if unresolved.
United Security Bancshares News
UBFO FAQ
What was United Security Bancshares’s price range in the past 12 months?
United Security Bancshares lowest stock price was $7.32 and its highest was $11.52 in the past 12 months.
What is United Security Bancshares’s market cap?
United Security Bancshares’s market cap is $181.86M.
When is United Security Bancshares’s upcoming earnings report date?
United Security Bancshares’s upcoming earnings report date is Apr 22, 2026 which is in 27 days.
How were United Security Bancshares’s earnings last quarter?
United Security Bancshares released its earnings results on Jan 22, 2026. The company reported $0.19 earnings per share for the quarter, beating the consensus estimate of N/A by $0.19.
Is United Security Bancshares overvalued?
According to Wall Street analysts United Security Bancshares’s price is currently Overvalued.
Does United Security Bancshares pay dividends?
United Security Bancshares pays a Quarterly dividend of $0.12 which represents an annual dividend yield of 4.66%. See more information on United Security Bancshares dividends here
What is United Security Bancshares’s EPS estimate?
United Security Bancshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does United Security Bancshares have?
United Security Bancshares has 17,604,923 shares outstanding.
What happened to United Security Bancshares’s price movement after its last earnings report?
United Security Bancshares reported an EPS of $0.19 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.56%.
Which hedge fund is a major shareholder of United Security Bancshares?
Currently, no hedge funds are holding shares in UBFO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
United Security Bancshares Stock Smart Score
Neutral
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Hedge Fund Trend
Decreased
By 84.2K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
8.74%
12-Months-Change
Fundamentals
Return on Equity
9.03%
Trailing 12-Months
Asset Growth
2.70%
Trailing 12-Months
Company Description
United Security Bancshares
United Security Bancshares (UBFO) is a financial holding company based in the United States, primarily engaged in providing various banking services through its subsidiary, United Security Bank. The company operates in the banking sector, offering a wide range of financial products including commercial and consumer loans, deposit accounts, and mortgage services. With a focus on serving individuals and businesses in its local communities, UBFO aims to deliver personalized financial solutions while maintaining a commitment to high-quality customer service.
Technical Analysis
Citizens Community Bancorp
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First Capital
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MainStreet Bancshares
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Hanover Bancorp Inc
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BV Financial, Inc.
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Ownership Overview
20.14% Insiders
9.72% Mutual Funds
16.75% Other Institutional Investors
45.29% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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