United Security Bancshares

United Security Bancshares

UBFO
United Security BancsharesUS flagNASDAQ Global Select
10.51
USD
- -
- -
185.03MMarket Cap
United Security Bancshares
UBFO
(NASDAQ Global Select)

Recent

price

10.51

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.03
1.76
1.72
1.52
1.69
1.83
1.93
2.1
2.28
2.54
2.2
2.29
2.81
3.21
2.95
- -
3.1
Revenue per Share
-0.27
-0.64
0.36
0.43
0.37
0.4
0.44
0.51
0.83
0.9
0.53
0.59
0.92
1.16
0.86
- -
0.71
Basic EPS, GAAP
0.53
0.29
0.57
0.7
0.53
0.55
0.56
0.45
0.67
0.95
0.81
0.97
1.39
1.25
1.14
- -
1.28
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
0.17
0.28
0.44
0.44
0.44
0.44
0.46
0.48
- -
0.49
Dividend per Share
2.03
3.73
4.08
4.51
4.88
5.33
5.76
6.04
6.42
6.88
6.98
7.14
7.63
8.04
8.42
- -
8.67
Book Value per Share
3.96
3.39
3.8
4.23
4.6
5.05
5.46
5.74
6.2
6.58
6.67
6.8
6.34
6.9
7.32
- -
7.84
Tangible Book Value per Share
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
- -
17
Basic Weighted Avg Shares
34
30
29
26
29
31
33
35
38
43
37
39
48
55
51
54
54
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
1
1
1
1
1
1
1
1
1
2
2
2
2
2
Depreciation Expense
-4
-11
6
7
6
7
7
9
14
15
9
10
16
20
15
12
12
Net Income, GAAP
- -
- -
20.17
1.42
40.28
39.77
39.73
44.89
27.56
28.67
27.8
24.16
28.89
27.95
27.25
26.4
26.4
Effective Tax Rate (%)
-13.12
-36.42
20.71
28.12
21.63
22.02
22.67
24.38
36.45
35.21
23.97
25.93
32.81
36.06
29.16
22.96
22.96
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
11
15
16
17
15
14
15
10
10
14
14
14
13
13
15
10
10
LT Debt
73
62
69
77
83
90
97
101
109
116
118
120
112
123
130
140
140
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-11.95
-22.36
9.18
9.96
7.79
7.88
7.89
8.67
13.31
13.48
7.62
8.42
12.48
14.8
10.47
8.35
8.35
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
12
9
6
LT Finance Leases
3
3
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
18
18
Market Capitalization
149
161
174

Working Capital

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
119
117
186
Accounts Receivable, Net
8
7
7
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.63%
3.62%
7.15%
Free Cash Flow
11.75%
11.5%
12.33%
Net Income, GAAP
10.7%
10.41%
-16.88%
Sales/Revenue/Turnover
6.11%
7.94%
5.55%
Total Cash Common Dividend
- -
2.37%
0.94%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
14
13
12
15
55
2024
13
13
14
12
51
2025
14
13
14
13
54

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.36
0.26
0.22
0.32
1.16
2024
0.24
0.25
0.22
0.15
0.86
2025
0.16
0.13
0.23
0.2
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.11
0.11
0.13
0.11
0.46
2024
0.12
0.12
0.12
0.12
0.48
2025
0.12
0.12
0.12
0.12
- -
Business
United Security Bancshares (NASDAQ: UBFO), headquartered in Fresno, California, operates as the bank holding company for its wholly owned subsidiary, United Security Bank, a state-chartered community bank founded in 1987. The Bank provides a full range of commercial banking services to businesses, professionals, and individuals primarily in Fresno, Madera, Kern, and Santa Clara counties in California's Central San Joaquin Valley; its core offerings include commercial real estate and construction loans, small business financing, consumer loans, checking and savings accounts, time deposits, money market accounts, mobile and online banking, online bill payment, 24-hour ATMs, wire transfers, safe deposit boxes, merchant card services, cashier's checks, remote deposit capture, cash management, interactive teller machines, payroll direct deposit, person-to-person transfers, and foreign drafts. United Security Bank operates 13 full-service branches, three loan centers, and multiple ATMs, employing over 110 people, with total assets exceeding $1 billion. In recent developments, the company appointed Baker Tilly US, LLP as its new independent registered public accounting firm in 2025 following a merger involving its prior auditor, Moss Adams LLP, with audit reports for fiscal years 2023 and 2024 remaining unmodified. Shareholders approved the 2025 Equity Incentive Award Plan and ratified board nominees at the May 2025 annual meeting, though a proposal to increase authorized common shares was rejected; additionally, Senior Vice President and Chief Operating Officer David Eytcheson retired effective May 9, 2025. The company continues routine quarterly cash dividends, most recently declared payable October 21, 2025, and reported third quarter 2025 earnings on October 16, 2025, maintaining its strategy of local market share growth and opportunistic expansion supported by a strong capital position.

Company News

APIChat
  • CVB Financial (NASDAQ:CVBF) and United Security Bancshares (NASDAQ:UBFO) Critical Survey

  • Community West Bancshares Completes Merger With United Security Bancshares, Creating a Stronger Community Bank in Central California

  • Analyzing United Security Bancshares (NASDAQ:UBFO) and CPB (NYSE:CPF)

  • Community West Bancshares Receives Regulatory Approvals to Merge With United Security Bancshares

  • Are UBFO, CWBC, NWE Obtaining Fair Deals for their Shareholders?

  • United Security Bancshares Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of United Security Bancshares - UBFO

  • United Security Bancshares (NASDAQ:UBFO) & Bank of Marin Bancorp (NASDAQ:BMRC) Head to Head Comparison

  • UBFO's Q4 Earnings Rise Y/Y on Margin Expansion, Cost Cuts

  • United Security Bancshares Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of United Security Bancshares - UBFO

  • United Security Bancshares Reports Fourth Quarter 2025 Earnings

  • Head-To-Head Review: East West Bancorp (NASDAQ:EWBC) & United Security Bancshares (NASDAQ:UBFO)

  • Halper Sadeh LLC Encourages UDMY, ALEX, UBFO, MRSN Shareholders to Contact the Firm to Discuss Their Rights

  • BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: Alexander & Baldwin, Inc. (NYSE - ALEX), United Security Bancshares (Nasdaq - UBFO), Udemy, Inc. (Nasdaq - UDMY), Mersana Therapeutics, Inc. (Nasdaq - MRSN)

  • United Security Bancshares Investor Alert By The Former Attorney General Of Louisiana: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of United Security Bancshares - UBFO

  • Halper Sadeh LLC Encourages UBFO, CWBC, RPTX Shareholders to Contact the Firm to Discuss Their Rights

  • Community West Bancshares and United Security Bancshares Announces Pending Additions to Board of Directors

  • United Security Bancshares Declares Quarterly Cash Dividend

  • SHAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of United Security Bancshares (NASDAQ: UBFO)

  • UBFO Stock Alert: Halper Sadeh LLC is Investigating Whether the Sale of United Security Bancshares is Fair to Shareholders

  • Shareholder Alert: The Ademi Firm investigates whether United Security Bancshares is obtaining a Fair Price for its Public Shareholders