Trailing Dividend / Share
$0.49
United Security Bancshares (UBFO) Dividend History
Income profile from 1997 to 2025 with payout safety and yield-on-cost trend
Dividend Yield
4.6%
Payout Ratio
68.2%
Watch
Dividend Streak
3 years
UBFO Dividend Income Check
Safety
68.2% payout ratio with watch safety profile.
Consistency
3 straight years of dividend increases.
Income Trend
Yield on cost is 8.8% and trend is rising.
UBFO Dividend Scorecard
Yield & Income
Dividend Yield4.6%
Trailing DPS$0.49
FrequencyQuarterly
Payments / 12M3
Payout Safety
Earnings Payout68.2%
Earnings SafetyWatch
FCF Payout42.5%
FCF SafetyWell Covered
Piotroski F-Score5/9
Growth
Growth Streak3 years
3Y CAGR22.1%
5Y CAGR6.4%
Yield on Cost (5Y)8.8%
YOC Trendrising
Total Returns
Buyback Yield0.0%
Total Shareholder Yield4.6%
1Y Total Return28.9%
5Y Total Return56.9%
Div Contribution (5Y)27.2%
Estimated $10K growth (return + dividends):
5Y ago$15,69110Y ago$27,24320Y ago$9,175
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
UBFO Income Growth Story
Dividend per share and yield on cost over time (21 years of payments)
UBFO Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
United Security Bancshares distributes 68.2% of earnings as dividends (Watch). When measured against free cash flow—a stricter test—the payout ratio stands at 42.5%, rated "Well Covered".
Piotroski F-Score: 5/9 — moderate financial health.
Growth Track Record
UBFO has raised its dividend for 3 consecutive years, with a 3-year CAGR of 22.1% and 5-year CAGR of 6.4%.
Total Shareholder Returns
Beyond cash dividends, UBFO returns capital through share repurchases. The combined picture: 4.6% dividend yield, 4.6% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 8.8% and is currently rising. The 5-year total return is 56.9%, with dividends contributing 27.2% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $27,243 today.
UBFO Recent Dividend Payments
Last 20 payments · Quarterly
TTM Total$2.31
Avg/Payment$0.1155
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Dec 26, 2025Latest | $0.1200 | — | 4.74% | Jan 13, 2026 |
| Oct 3, 2025 | $0.1200 | — | 5.23% | Oct 21, 2025 |
| Jul 7, 2025 | $0.1200 | — | 5.41% | Jul 22, 2025 |
| Apr 7, 2025 | $0.1200 | — | 6.11% | Apr 22, 2025 |
| Jan 2, 2025 | $0.1200 | — | 4.88% | Jan 17, 2025 |
| Oct 7, 2024 | $0.1200 | — | 5.64% | Oct 23, 2024 |
| Jul 8, 2024 | $0.1200 | — | 6.65% | Jul 23, 2024 |
| Apr 5, 2024 | $0.1200 | — | 6.53% | Apr 22, 2024 |
UBFO Dividend vs Peers
Comparable companies in the same industry
#1 yield in peer group
Div Yield
4.6%
#1 of 9
Safety
Watch
68.2% payout
Streak
3Y
6.4% 5Y CAGR
Total Shareholder
4.6%
#3 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
1st UBFOUnited Security Banc… | $185M | 4.6% | 68.2% | 3 | Watch |
2nd  CVBFCVB Financial Corp. | $3.0B | 3.6% | 53.0% | 0 | Sustainable |
 BSVNBank7 Corp. | $463M | 2.0% | 21.7% | 7 | Sustainable |
3rd  HAFCHanmi Financial Corp… | $972M | 3.3% | 42.9% | 1 | Sustainable |
 BCALSouthern California … | $670M | 0.5% | 5.2% | 1 | Sustainable |
 CBNKCapital Bancorp, Inc… | $574M | 1.3% | 12.8% | 5 | Sustainable |
 WAFDWaFd, Inc. | $2.8B | 2.8% | 37.4% | 16 | Sustainable |
 BANRBanner Corporation | $2.3B | 2.9% | 34.6% | 1 | Sustainable |
 SMBCSouthern Missouri Ba… | $845M | 1.2% | 17.8% | 14 | Sustainable |
UBFO Annual Dividend History (1997–2025)
29 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2025 | $0.60 | 25.0% | 5 | $0.70 | 85.7% | 1.17x | 8.8% |
| 2024 | $0.48 | 4.3% | 4 | $0.86 | 55.8% | 1.79x | 7.0% |
| 2023 | $0.46 | 39.4% | 4 | $1.16 | 39.7% | 2.52x | 6.8% |
| 2022 | $0.33 | -25.0% | 3 | $0.92 | 35.9% | 2.79x | 4.8% |
| 2021 | $0.44 | 0.0% | 4 | $0.59 | 74.6% | 1.34x | 6.5% |
| 2020 | $0.44 | -20.0% | 4 | $0.53 | 83.0% | 1.20x | 6.5% |
| 2019 | $0.55 | 57.1% | 5 | $0.89 | 61.8% | 1.62x | 8.1% |
| 2018 | $0.35 | 105.9% | 4 | $0.83 | 42.2% | 2.37x | 5.1% |
| 2017 | $0.17 | — | 3 | $0.51 | 33.3% | 3.00x | 2.5% |
| 2016 | $0.00 | — | 0 | $0.44 | — | — | — |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
29+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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UBFO — Frequently Asked Questions
Quick answers to the most common questions about buying UBFO stock.
How much dividend does UBFO pay per share?
United Security Bancshares (UBFO) pays a trailing 12-month dividend of $0.49 per share, with a current dividend yield of +4.6%. Payments are made Quarterly.
When is UBFO's next ex-dividend date?
UBFO's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. UBFO typically pays dividends Quarterly.
Is UBFO's dividend safe?
UBFO's dividend safety is rated "Watch" based on an earnings payout ratio of +68.2% and FCF payout ratio of +42.5%. The 3-year growth streak provides moderate confidence.
Is UBFO a Dividend Payer?
Yes, United Security Bancshares is classified as a Dividend Payer with 3 consecutive years of dividend increases. The 5-year dividend CAGR is +6.4%, demonstrating above-inflation dividend growth.
How often does UBFO pay dividends?
United Security Bancshares pays dividends Quarterly. The trailing 12-month total is $0.49 per share. Dividend data on this page covers 28+ years from 1997 to 2025.
How much would $10,000 invested in UBFO grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in UBFO five years ago would be worth approximately $15,691 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is UBFO's yield on cost for long-term holders?
UBFO's yield on cost — the current dividend divided by the original purchase price — is +8.8% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +4.6% market yield, thanks to consistent dividend growth.