United Security Bancshares

United Security Bancshares (UBFO) Market Cap

United Security Bancshares has a market capitalization of $185M.

Financials based on reported quarter end 2025-12-31

Price: $10.51

โ–ฒ 0.00 (0.00%)

Market Cap: 185.03M

NASDAQ ยท time unavailable

CEO: Dennis R. Woods

Sector: Financial Services

Industry: Banks - Regional

IPO Date: 1999-03-03

Website: https://www.unitedsecuritybank.com

United Security Bancshares (UBFO) - Company Information

Market Cap: 185.03M ยท Sector: Financial Services

United 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.

Analyst Sentiment

50%
Hold

Based on 0 ratings

Consensus Price Target

No data available

Price & Moving Averages

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Fundamentals Overview

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๐Ÿ“Š AI Financial Analysis

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Earnings Data: Q Ending 2025-12-31

"As of December 31, 2025, UBFO reported revenue of $16.24M and a net income of $3.41M, resulting in an earnings per share (EPS) of $0.20. The company has shown solid operating cash flow of $6.97M and positive free cash flow of $7.67M, although it does not currently have a specified market capitalization. UBFO has a robust balance sheet with total assets of $1.25B against total liabilities of $1.11B, leading to total equity of $139.68M. The net debt position is favorable at -$107.95M, indicating strong liquidity. However, its growth is modest with a one-year price change of 13.30%, while dividends of $0.12 have been consistently paid in the previous quarters. This suggests a balanced approach between returning value to shareholders and retaining earnings for growth."

Revenue Growth

Neutral

Revenue growth is positive but modest at $16.24M.

Profitability

Positive

Solid profitability with a net income margin reflecting efficient operations.

Cash Flow Quality

Good

Strong cash flows with a healthy free cash flow generation.

Leverage & Balance Sheet

Positive

A strong balance sheet exhibits good liquidity with negative net debt.

Shareholder Returns

Neutral

Moderate returns; consistent dividends but limited price appreciation.

Analyst Sentiment & Valuation

Fair

Valuation context is neutral given the growth and market performance.

Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.

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SEC Filings (UBFO)

ยฉ 2026 Stock Market Info โ€” United Security Bancshares (UBFO) Financial Profile