United Security Bancshares
UBFO
NASDAQ·Financial Services·Banks - Regional·Mkt cap $185.0M
$10.51
▲ 0.00%
P/E
14.80
Mkt Cap
$185.0M
52-Wk Range
$7.32–$11.52
52-Week Range
$7.32 - $11.52
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 17.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Deep regional expertise and relationships in California's Central Valley agricultural and business communities
- Personalized service model that larger national banks cannot replicate at local level
- Diversified loan portfolio reducing concentration risk across real estate, commercial, agricultural, and consumer segments
- Established 35+ year operating history with community trust and brand recognition
Bear Case
1 risk
- Low volatility (beta 0.3).
Growth
No forward estimates available
Expansion of digital banking capabilities to attract tech-savvy customers
Value
Valuation data unavailable
Momentum
Stable
-2.1% over 3m
Quality
Excellent
Strong fundamentals
Dividend
Solid
3.43% yield
Smart-money signal
Who's buying UBFO right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Most recent quarter reported revenue of $16.2M (+13% YoY). Reported EPS of $0.20. Gross margin 80.5%.
Reported EPS · last 4Q
Q4 25
$0.20
Q3 25
$0.23
Q2 25
$0.13
Q1 25
$0.16
Revenue trend · last 8Q
—
—
—
—
+7%
-3%
-10%
+13%
Q1 24
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
$12.8M
$13.0M
$13.8M
$12.0M
$13.7M
$15.8M
$15.6M
$16.2M
Margins · last 8Q
Gross
80.5%
Operating
26.2%
Profit
21.0%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How UBFO stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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