United Security Bancshares (UBFO) AI Stock Analysis

• Market Cap: $162.88M
• Dividend Yield: 4.9%
• Average Volume (3M): 23.16K
• Price to Earnings (P/E): 14.2
• Beta (1Y): 0.82
• Revenue Growth: -2.00%
• EPS Growth: -36.25%
• 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: 0.65
• Enterprise Value/Revenue: 1.68
• Enterprise Value/Gross Profit: 2.32
• Enterprise Value/Ebitda: 5.88
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $11.00 ▲(12.36% Upside)

United Security Bancshares has a strong financial foundation with low leverage and efficient cost management, though it faces challenges in revenue growth and profitability margins. The technical analysis indicates a bullish trend, supported by positive momentum indicators. The stock's valuation is fair with an attractive dividend yield, making it appealing for income-focused investors. The absence of recent earnings call data and corporate events means these factors do not influence the score.

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 strong financial stability with low leverage and efficient cost management. However, recent declines in revenue growth and profitability margins pose challenges. The company maintains healthy cash flow generation, but the low conversion of net income to operating cash flow could be a concern. Overall, the company is in a stable financial position but faces growth and profitability challenges.

Income Statement

United Security Bancshares has shown a strong gross profit margin consistently above 70%, indicating efficient cost management. However, the net profit margin has decreased from 30% in 2023 to 17.95% in the TTM, reflecting reduced profitability. Revenue growth has been negative recently, with a decline of 3.27% in the TTM, which is a concern for future growth prospects.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.086 in the TTM, indicating strong financial stability and low leverage. The return on equity has decreased to 8.50% in the TTM from 16.15% in 2023, suggesting a decline in profitability relative to shareholders' equity. The equity ratio remains healthy, indicating a solid capital structure.

Cash Flow

Operating cash flow has improved, with a positive free cash flow growth rate of 11.67% in the TTM. However, the operating cash flow to net income ratio is low at 0.020, indicating potential issues in converting income into cash. The free cash flow to net income ratio remains strong at 0.95, suggesting good cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	63.33M	65.46M	65.95M	51.00M	41.03M	39.67M
Gross Profit	45.96M	48.60M	53.43M	46.01M	36.84M	34.61M
EBITDA	18.11M	22.43M	29.58M	23.99M	14.46M	13.22M
Net Income	11.37M	14.78M	19.80M	15.69M	10.10M	8.96M
Balance Sheet
Total Assets	1.24B	1.21B	1.21B	1.30B	1.33B	1.09B
Cash, Cash Equivalents and Short-Term Investments	207.68M	213.59M	222.05M	246.14M	398.12M	376.41M
Total Debt	11.82M	14.73M	74.65M	12.98M	13.89M	13.89M
Total Liabilities	1.10B	1.08B	1.09B	1.19B	1.21B	974.85M
Stockholders Equity	137.38M	130.36M	122.54M	112.46M	120.21M	117.81M
Cash Flow
Free Cash Flow	23.00M	18.60M	20.59M	21.56M	15.30M	12.66M
Operating Cash Flow	23.20M	19.64M	21.38M	23.70M	16.55M	13.80M
Investing Cash Flow	30.12M	12.95M	87.58M	-174.23M	-319.37M	-65.55M
Financing Cash Flow	-34.47M	-17.16M	-106.77M	-30.09M	227.97M	126.82M

United Security Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.79
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 9.79 is above the 20-day moving average (MA) of 9.20, above the 50-day MA of 9.24, and above the 200-day MA of 8.82, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 68.12 is Neutral, neither overbought nor oversold. The STOCH value of 88.82 is Negative, 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
UBFO	77 Outperform	$162.88M	14.21	8.41%	4.90%	-2.00%	-36.25%
FCAP	72 Outperform	$143.30M	9.70	11.84%	2.62%	11.62%	25.07%
CZWI	69 Neutral	$157.26M	12.65	7.00%	2.19%	-2.16%	-9.35%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HNVR	66 Neutral	$154.69M	14.25	5.60%	1.93%	0.99%	-6.35%
BVFL	66 Neutral	$168.08M	15.52	5.32%	―	4.86%	-8.20%
MNSB	43 Neutral	$143.79M	-20.63	-2.07%	2.20%	1.92%	-174.59%

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.