United Security Bancshares (UBFO) AI Stock Analysis

• Market Cap: $157.29M
• Dividend Yield: 5.2%
• Average Volume (3M): 23.16K
• Price to Earnings (P/E): 13.7
• Beta (1Y): 0.76
• Revenue Growth: -2.00%
• EPS Growth: -35.93%
• Country: US
• Employees: 114
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.23
• Shares Outstanding: 17,476,427
• 10 Day Avg. Volume: 21,196
• 30 Day Avg. Volume: 23,162
• PEG Ratio: -0.45
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 2.65
• P/FCF Ratio: 9.34
• Enterprise Value/Market Cap: 0.68
• Enterprise Value/Revenue: 1.63
• Enterprise Value/Gross Profit: 2.36
• Enterprise Value/Ebitda: 6.14
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 69 Neutral
• Price Target: $10.00 ▲(9.77% Upside)

United Security Bancshares has a stable financial position with strong cash flow and conservative leverage, but faces challenges with declining revenue growth and profitability margins. The technical indicators suggest a bearish short-term trend, while the valuation is attractive due to a reasonable P/E ratio and high dividend yield. The absence of earnings call data and corporate events limits further insights.

United Security Bancshares Business Overview & Revenue Model

Company Description

United Security Bancshares (UBFO) is a financial holding company based in the United States, primarily engaged in providing a range of banking and financial services through its subsidiary, United Security Bank. The company operates in the banking sector, focusing on retail and commercial banking services, including checking and savings accounts, loans, mortgages, and investment services. UBFO aims to serve individuals, businesses, and communities with competitive financial products tailored to meet their specific needs.

How the Company Makes Money

United Security Bancshares generates revenue primarily through traditional banking activities, which include interest income from loans and mortgages, as well as fees and service charges associated with deposit accounts and other banking services. The company earns interest income by lending out deposits to borrowers, charging interest on these loans, which is a significant source of earnings. Additionally, UBFO may generate non-interest income from various sources, such as service fees, transaction fees, and investment services. Key partnerships with financial service providers and a focus on community engagement also enhance its revenue streams by attracting a diverse customer base and fostering customer loyalty.

United Security Bancshares Financial Statement Overview

Summary

United Security Bancshares demonstrates robust financial health with solid profitability and low leverage. The company has maintained steady revenue growth and margins, though there is a slight decline in operational efficiency. The balance sheet is strong, but attention to enhancing equity growth is needed. Cash flow generation is solid, but declining free cash flow suggests potential areas for improvement.

Income Statement

United Security Bancshares shows strong profitability with a consistent increase in revenue over the past years. The TTM gross profit margin is 71.56%, and the net profit margin is 20.10%, both indicating a solid control over costs relative to revenue generation. However, there is a slight decline in EBIT and EBITDA margins from the previous year, reflecting potential challenges in operational efficiency.

Balance Sheet

The balance sheet reflects a healthy financial position with a debt-to-equity ratio of 0.17, suggesting low leverage. The equity ratio is 11.15%, showcasing a stable equity position relative to total assets. However, the decrease in stockholders' equity over the last year indicates a potential need to enhance equity growth.

Cash Flow

Operating cash flow to net income ratio is 1.14, indicating good cash generation relative to profitability. However, free cash flow has declined from the previous year, resulting in a negative growth rate. The overall cash flow position remains stable, but attention to free cash flow sustainability is recommended.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	65.47M	65.46M	65.95M	51.00M	41.03M	39.67M
Gross Profit	45.13M	48.60M	53.43M	46.01M	36.84M	34.61M
EBITDA	17.33M	22.43M	29.58M	23.99M	14.46M	13.22M
Net Income	11.18M	14.78M	19.80M	15.69M	10.10M	8.96M
Balance Sheet
Total Assets	1.21B	1.21B	1.21B	1.30B	1.33B	1.09B
Cash, Cash Equivalents and Short-Term Investments	196.13M	213.59M	222.05M	246.14M	398.12M	376.41M
Total Debt	14.64M	14.73M	74.65M	12.98M	13.89M	13.89M
Total Liabilities	1.08B	1.08B	1.09B	1.19B	1.21B	974.85M
Stockholders Equity	134.25M	130.36M	122.54M	112.46M	120.21M	117.81M
Cash Flow
Free Cash Flow	20.60M	18.60M	20.59M	21.56M	15.30M	12.66M
Operating Cash Flow	21.60M	19.64M	21.38M	23.70M	16.55M	13.80M
Investing Cash Flow	11.01M	12.95M	87.58M	-174.23M	-319.37M	-65.55M
Financing Cash Flow	-22.28M	-17.16M	-106.77M	-30.09M	227.97M	126.82M

United Security Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.11
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UBFO, the sentiment is Positive. The current price of 9.11 is above the 20-day moving average (MA) of 9.06, below the 50-day MA of 9.17, and above the 200-day MA of 8.83, indicating a bullish trend. The MACD of -0.09 indicates Negative momentum. The RSI at 54.45 is Neutral, neither overbought nor oversold. The STOCH value of 72.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UBFO.

United Security Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCAP	72 Outperform	$138.10M	10.17	11.40%	2.80%	12.43%	9.45%
UBFO	69 Neutral	$157.29M	13.72	8.41%	5.20%	-2.00%	-35.93%
CZWI	68 Neutral	$153.09M	12.53	6.93%	2.29%	-0.96%	-7.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HNVR	66 Neutral	$148.85M	13.62	5.69%	1.91%	8.34%	-2.33%
BVFL	66 Neutral	$160.03M	15.26	5.32%	―	4.86%	-8.20%
MNSB	43 Neutral	$141.10M	14.43	-4.04%	2.12%	4.08%	-172.13%

United Security Bancshares Corporate Events

United Security Bancshares Reports Steady Q3 2025 Earnings

United Security Bancshares, a financial institution headquartered in Fresno, California, operates in the banking sector with a focus on commercial real estate construction, commercial lending, and consumer lending. The company has a network of 13 full-service branch offices across California.

United Security Bancshares Declares Cash Dividend

On September 23, 2025, United Security Bancshares announced a cash dividend of $0.12 per share for shareholders recorded as of July 7, 2025, with payment scheduled for July 22, 2025. This decision reflects the company’s ongoing commitment to returning value to its shareholders and may influence investor perceptions positively, although it does not impact the company’s filings under the Securities Act of 1933 or 1934.

The most recent analyst rating on (UBFO) stock is a Buy with a $10.50 price target. To see the full list of analyst forecasts on United Security Bancshares stock, see the UBFO Stock Forecast page.