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Apr 1, 2026·SEC
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United Security Bancshares(UBFO)Earnings, Financials & Key Ratios
UBFO•NASDAQ•Banking & Credit
$10.51
12.2× P/E·Price updated Jun 20, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutUnited Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.Show more
- Net Interest Income$49M+4.1%
- Total Revenue$66M+0.7%
- Net Income$12M-16.9%
- Return on Equity9.1%-22.2%
- Net Interest Margin3.91%+1.0%
- Efficiency Ratio47.93%+11.0%
- ROA1%-18.1%
- Equity / Assets11.19%+4.0%
- Book Value per Share8.10+6.9%
UBFO Price & Volume
United Security Bancshares (UBFO) stock price & volume — 10-year historical chart
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Stagnant Growth Challenges United Security Bancshares Outlook
Investment Thesis • Updated 2025Q4
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial Position:Healthy
Cash Flow:Stable
Primary Risk:Regional CRE and Ag concentration
"United Security Bancshares faces a challenging growth trajectory as its net interest income remains range-bound between $11.5 million and $12.4 million over the last ten quarters. While the bank maintains a stable capital base with an equity-to-assets ratio of 0.11, the reliance on securities portfolio liquidations to support cash flow and the volatility in loan loss provisions suggest underlying credit uncertainty. Investors should monitor the bank's ability to manage its 54.2% efficiency ratio and navigate the cyclical risks inherent in its Central Valley agricultural and commercial real estate exposures."
Verdict Logic
the bank's inability to grow net interest income beyond the $12.4 million quarterly peak and the high 12.22 P/E ratio suggest limited upside potential in the current interest rate environment.
UBFO Growth Metrics
United Security Bancshares (UBFO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years7.42%
5 Years10.68%
3 Years8.92%
TTM-
Profit CAGR
10 Years6.08%
5 Years6.52%
3 Years-7.82%
TTM-16.87%
EPS CAGR
10 Years5.76%
5 Years5.72%
3 Years-8.71%
TTM-16.47%
Return on Capital
10 Years12.8%
5 Years12.43%
3 Years12.25%
Last Year3.41%
UBFO Recent Earnings
United Security Bancshares (UBFO) EPS & revenue vs analyst estimates — last 4 quarters
Q1 2026Latest
Jan 22, 2026Metric
Actual
Est
EPS
$0.19
—
Rev
$16M
—
Q4 2025
Oct 16, 2025Metric
Actual
Est
EPS
$0.23
—
Rev
$16M
—
Q3 2025
Jul 17, 2025Metric
Actual
Est
EPS
$0.13
—
Rev
$16M
—
Q2 2025
Apr 17, 2025Metric
Actual
Est
EPS
$0.16
—
Rev
$17M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Jan 22, 2026 | $0.19 | $16M |
| Q4 2025 | Oct 16, 2025 | $0.23 | $16M |
| Q3 2025 | Jul 17, 2025 | $0.13 | $16M |
| Q2 2025 | Apr 17, 2025 | $0.16 | $17M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for United Security Bancshares (UBFO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $10.51 | $184.53M | 12.22 | 0.66% | 18.65% | 9.1% | 4.6% | |
| $22.46 | $3.05B | 14.78 | -2.33% | 32.4% | 9.16% | — | |
| $47.34 | $450.65M | 10.52 | -3.87% | 31.77% | 18.18% | — | |
| $32.47 | $966.52M | 12.94 | 3.55% | 18.42% | 10.31% | — | |
| $20.63 | $663.56M | 10.69 | 28.44% | 25.68% | 10.59% | — | |
| $34.62 | $563.89M | 10.18 | 25.32% | 18.45% | 13.94% | — |
Compare UBFO vs Peers
United Security Bancshares (UBFO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UBFO SEC Filings & Documents
United Security Bancshares (UBFO) SEC filings — annual & quarterly reports (10-K, 10-Q)
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UBFO Frequently Asked Questions
United Security Bancshares (UBFO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is United Security Bancshares growing?
United Security Bancshares (UBFO) grew revenue by 0.7% over the past year. Growth has been modest.
Is UBFO profitable?
Yes, United Security Bancshares (UBFO) is profitable, generating $12.3M in net income for fiscal year 2025 (18.6% net margin).
Dividend & Returns
Does UBFO pay dividends?
Yes, United Security Bancshares (UBFO) pays a dividend with a yield of 4.60%. This makes it attractive for income-focused investors.
What is UBFO's return on equity?
United Security Bancshares (UBFO) has a return on equity (ROE) of 9.1%. This is below average, suggesting room for improvement.
Industry Metrics
What is United Security Bancshares's net interest margin?
United Security Bancshares (UBFO) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.
What is United Security Bancshares's efficiency ratio?
United Security Bancshares (UBFO) has an efficiency ratio of 47.9%. This is excellent, indicating strong cost control.