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United Security Bancshares (UBFO)

Profile

Full Name

United Security Bancshares

Ticker

NASDAQ: UBFO

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

March 3, 1999

Indexes

Not included

Website

https://www.unitedsecuritybank.com

Employees

114

Key Details

Price

$10.32(-0.29%)

Market Cap

$181.38M(Small cap)

Last Dividend

$0.12

TTM Dividend Yield

4.65%

Annual Revenue

$66.08M(0.99% YoY)

Annual EPS

$0.86(-25.65% YoY)

PE Ratio

15.73

Next earnings date

Jan 29, 2026

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    See Full Chart & Historical Data

    Analyst ratings

    Price

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    Current Price

    $10.32
    UBFO price is $10.32

    30-Day Relative Volume

    1.50
    UBFO 30-day relative volume is 1.50

    Price Performance

    Price 1-Day Change

    -0.29%
    UBFO price is down -0.29% today

    Price YTD Change

    +2.18%
    UBFO price is up +2.18% since January 1st

    Price 1-Year Change

    +0.19%
    UBFO price is up +0.19% year-on-year

    Price 3-Year Change

    +45.15%
    UBFO price is up +45.15% over the past 3 years

    Price Range

    Price All-Time High

    $20.67
    UBFO price is currently -50.06% below its historical high of $20.67

    Price 3-Year Low

    $5.50
    UBFO price is currently +87.64% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $181.38M
    UBFO market cap is $181.38 million

    Market Cap 3-Year Change

    +49.63%
    UBFO market cap is up +49.63% over the past 3 years

    Market Cap All-Time High

    $328.66M
    UBFO market cap is currently -44.81% below its historical high of $328.66 million

    Market Cap Sector Percentile

    27.21%
    UBFO market cap is higher than 27.21% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +1.46%
    UBFO shares outstanding is up +1.46% year-on-year

    Shares Outstanding 3-Year Change

    +3.09%
    UBFO shares outstanding is up +3.09% over the past 3 years

    Technical Indicators

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    Beta

    0.82
    UBFO beta is 0.82

    200-day SMA

    $9.02
    UBFO price is currently +14.40% above its 200-day simple moving average

    50-day SMA

    $9.45
    UBFO price is currently +9.16% above its 50-day simple moving average

    14-Day RSI

    69.75
    UBFO 14-day relative strength index is 69.75

    Volume

    1.50
    UBFO 30-day relative volume is 1.50

    ATR

    $0.23
    UBFO average true range is $0.23

    10-day Historical Volatility

    20.89%
    UBFO 10-day historical volatility is 20.89%

    Dividend

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    Events

    Last Paid Dividend

    $0.12
    UBFO last dividend was $0.12 per share, with an ex-dividend date of October 3, 2025

    Next Dividend

    -
    UBFO next dividend has not yet been announced

    Dividend per share

    Dividend Per Share

    $0.48
    UBFO annual dividend per share is $0.48

    Dividend Per Share Sector Percentile

    20.45%
    UBFO annual dividend per share is higher than 20.45% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    +4.35%
    UBFO annual dividend per share is up +4.35% year-on-year

    Dividend Per Share 3-Year Change

    +9.09%
    UBFO annual dividend per share is up +9.09% over the past 3 years

    Dividend yield

    Dividend Yield

    4.65%
    UBFO annual dividend yield is 4.65%

    Dividend Yield Sector Percentile

    53.35%
    UBFO annual dividend yield is higher than 53.35% of companies in Financial Services sector

    Other

    Payout Ratio

    56.19%
    UBFO annual payout ratio is 56.19%

    Dividends Paid

    $8.31M
    UBFO annual dividends paid is $8.31 million

    Free Cash Flow

    $18.60M
    UBFO annual free cash flow is $18.60 million

    Income Statement

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    Revenue

    Revenue

    $66.08M
    UBFO annual revenue is $66.08 million

    Revenue Analysts Estimate

    -
    UBFO annual revenue consensus analysts' forecast is unknown

    Revenue 1-Year Change

    +0.99%
    UBFO annual revenue is up +0.99% year-on-year

    Revenue Sector Percentile

    46.19%
    UBFO annual revenue is higher than 46.19% of companies in Financial Services sector

    EPS

    EPS

    $0.86
    UBFO annual earnings per share is $0.86

    EPS Analysts Estimate

    -
    UBFO annual earnings per share consensus analysts' forecast is unknown

    EPS 1-Year Change

    -25.65%
    UBFO annual earnings per share is down -25.65% year-on-year

    EPS Sector Percentile

    47.26%
    UBFO annual earnings per share is higher than 47.26% of companies in Financial Services sector

    Profit

    Gross Profit

    $0.00
    UBFO annual gross profit is $0.00

    Gross Margin

    0.00%
    UBFO annual gross profit margin is 0.00%

    Operating Profit

    $20.32M
    UBFO annual operating income is $20.32 million

    Operating Margin

    30.75%
    UBFO annual operating profit margin is 30.75%

    Net Income

    $14.78M
    UBFO annual net profit is $14.78 million

    Net Margin

    22.37%
    UBFO annual net profit margin is 22.37%

    Expenses

    Total Expenses

    $51.30M
    UBFO annual total expenses is $51.30 million

    Operating Expenses

    -$20.32M
    UBFO annual total operating expenses is -$20.32 million

    Cost Of Goods Sold

    -
    UBFO annual cost of goods sold value is unknown

    Selling, General & Administrative Expenses

    $0.00
    UBFO annual SG&A is $0.00

    Depreciation & Amortization

    $2.12M
    UBFO annual D&A is $2.12 million

    Interest Expense

    $13.90M
    UBFO annual interest expense is $13.90 million

    Income Tax

    $5.54M
    UBFO annual income tax is $5.54 million

    EBIT & EBITDA

    EBIT

    $34.22M
    UBFO annual earnings before interest & taxes is $34.22 million

    EBITDA

    $36.34M
    UBFO annual EBITDA is $36.34 million

    Balance Sheet

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    Assets

    Total Assets

    $1.22B
    UBFO annual total assets is $1.22 billion

    Non Current Assets

    $1.11B
    UBFO annual long term assets is $1.11 billion

    Current Assets

    $68.90M
    UBFO annual total current assets is $68.90 million

    Cash and Cash Equivalents

    $56.21M
    UBFO annual cash & cash equivalents is $56.21 million

    Accounts Receivable

    $8.10M
    UBFO annual accounts receivable is $8.10 million

    Inventory

    -
    UBFO annual inventory value is unknown

    Liabilities

    Total Liabilities

    $1.09B
    UBFO annual total liabilities is $1.09 billion

    Long Term Liabilities

    $12.74M
    UBFO annual total long term liabilities is $12.74 million

    Current Liabilities

    $865.34M
    UBFO annual current liabilities is $865.34 million

    Accounts Payable

    -
    UBFO annual accounts payable value is unknown

    Debt

    Total Debt

    $14.73M
    UBFO annual total debt is $14.73 million

    Total Debt 1-Year Change

    -80.26%
    UBFO annual total debt is down -80.26% year-on-year

    Long Term Debt

    $14.02M
    UBFO annual long term debt is $14.02 million

    Short Term Debt

    $718.00K
    UBFO annual short term debt is $718.00 thousand

    Equity & Capital

    Shareholders Equity

    $130.36M
    UBFO annual stockholders equity is $130.36 million

    Book Value

    $130.36M
    UBFO annual book value is $130.36 million

    Retained Earnings

    $83.45M
    UBFO annual retained earnings is $83.45 million

    Working Capital

    -$796.44M
    UBFO annual working capital is -$796.44 million

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $19.64M
    UBFO annual cash from operations is $19.64 million

    Cash From Operations 1-Year Change

    -8.14%
    UBFO annual cash from operations is down -8.14% year-on-year

    Cash From Investing

    $12.95M
    UBFO annual cash from investing is $12.95 million

    Cash From Investing 1-Year Change

    -85.21%
    UBFO annual cash from investing is down -85.21% year-on-year

    Cash From Financing

    -$17.16M
    UBFO annual cash from financing is -$17.16 million

    Cash From Financing 1-Year Change

    +83.93%
    UBFO annual cash from financing is up +83.93% year-on-year

    CAPEX

    CAPEX

    $1.04M
    UBFO annual capital expenditures is $1.04 million

    CAPEX 1-Year Change

    +32.02%
    UBFO annual capital expenditures is up +32.02% year-on-year

    Free Cash Flow

    Free Cash Flow

    $18.60M
    UBFO annual free cash flow is $18.60 million

    Free Cash Flow 1-Year Change

    -9.68%
    UBFO annual free cash flow is down -9.68% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    0.00%
    UBFO annual gross profit margin is 0.00%

    Operating Margin

    30.75%
    UBFO annual operating profit margin is 30.75%

    Net Margin

    22.37%
    UBFO annual net profit margin is 22.37%

    ROA & ROE

    ROA

    1.22%
    UBFO annual return on assets is 1.22%

    ROE

    11.69%
    UBFO annual return on equity is 11.69%

    Valuation

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    PE Ratio

    PE Ratio

    15.73
    UBFO price to earnings ratio is 15.73

    PE Ratio Sector Percentile

    46.54%
    UBFO price to earnings ratio is higher than 46.54% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    1.32
    UBFO price to book ratio is 1.32

    PB Ratio Sector Percentile

    64.11%
    UBFO price to book ratio is higher than 64.11% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    2.76
    UBFO price to sales ratio is 2.76

    PS Ratio Sector Percentile

    65.53%
    UBFO price to sales ratio is higher than 65.53% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $126.44M
    UBFO enterprise value is $126.44 million

    Enterprise Value Sector Percentile

    20.71%
    UBFO enterprise value is higher than 20.71% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    UBFO EV/EBITDA value is unknown

    EV/EBITDA Sector Percentile

    -
    UBFO EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current Ratio

    0.08
    UBFO annual current ratio is 0.08

    Quick Ratio

    -
    UBFO annual quick ratio value is unknown

    Leverage

    Debt To Equity

    0.11
    UBFO annual debt to equity ratio is 0.11

    Interest Coverage Ratio

    2.46
    UBFO annual interest coverage ratio is 2.46

    Risk & Stability

    F-Score

    6
    UBFO piotroski f-score is 6

    Altman Z-Score

    -0.44
    UBFO altman z-score is -0.44

    Analyst ratings

    Recent major analysts updates

    No data about analysts updates

    Institutional Ownership

    Screeners with UBFO included

    Growing Shares Outstanding
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    NASDAQ Listed Companies
    • What is the ticker symbol for United Security Bancshares?
    • Does United Security Bancshares pay dividends?
    • What sector is United Security Bancshares in?
    • What industry is United Security Bancshares in?
    • What country is United Security Bancshares based in?
    • When did United Security Bancshares go public?
    • Is United Security Bancshares in the S&P 500?
    • Is United Security Bancshares in the NASDAQ 100?
    • Is United Security Bancshares in the Dow Jones?
    • When was United Security Bancshares's last earnings report?
    • When does United Security Bancshares report earnings?

    What is the ticker symbol for United Security Bancshares?

    The ticker symbol for United Security Bancshares is NASDAQ:UBFO

    Does United Security Bancshares pay dividends?

    Yes, United Security Bancshares pays dividends. The last payment was $0.12, with an ex-dividend date on October 3, 2025

    What sector is United Security Bancshares in?

    United Security Bancshares is in the Financial Services sector

    What industry is United Security Bancshares in?

    United Security Bancshares is in the Regional Banks industry

    What country is United Security Bancshares based in?

    United Security Bancshares is headquartered in United States

    When did United Security Bancshares go public?

    United Security Bancshares's initial public offering (IPO) was on March 3, 1999

    Is United Security Bancshares in the S&P 500?

    No, United Security Bancshares is not included in the S&P 500 index

    Is United Security Bancshares in the NASDAQ 100?

    No, United Security Bancshares is not included in the NASDAQ 100 index

    Is United Security Bancshares in the Dow Jones?

    No, United Security Bancshares is not included in the Dow Jones index

    When was United Security Bancshares's last earnings report?

    United Security Bancshares's most recent earnings report was on October 16, 2025

    When does United Security Bancshares report earnings?

    The next expected earnings date for United Security Bancshares is January 29, 2026
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