U

    United Security Bancshares (UBFO)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $10.51
    +0.00 (+0.00%)

    Market Cap: $185.03M

    Last updated: Aug 28, 2026 at 5:00 PM ET

    Earnings

    PeriodReportedEst.SurpriseB/MYoY
    Mar 26
    		$N/AN/AN/ABeat-
    Dec 25
    		$0.19$0.00N/ABeat+31.3%
    Sep 25
    		$0.23N/AN/ABeat+3.4%
    Jun 25
    		$0.13N/AN/ABeat-48.0%
    Mar 25
    		$0.16N/AN/ABeat-35.9%
    Dec 24
    		$0.14N/AN/ABeat-53.3%
    Sep 24
    		$0.22N/AN/ABeat-1.0%
    Jun 24
    		$0.25N/AN/ABeat-3.1%
    Mar 24
    		$0.24N/AN/ABeat-32.4%
    Dec 23
    		$0.31N/AN/ABeat+0.0%
    Sep 23
    		$0.22N/AN/ABeat-13.5%
    Jun 23
    		$0.26N/AN/ABeat+29.0%
    Mar 23
    		$0.36N/AN/ABeat+155.9%
    Dec 22
    		$0.31N/AN/ABeat+55.0%
    Sep 22
    		$0.26N/AN/ABeat+73.3%
    Jun 22
    		$0.20N/AN/ABeat+25.0%
    Mar 22
    		$0.14N/AN/ABeat+75.0%
    Dec 21
    		$0.20N/AN/ABeat+81.8%
    Sep 21
    		$0.15N/AN/ABeat+15.4%
    Jun 21
    		$0.16N/AN/ABeat+33.3%
    Mar 21
    		$0.08N/AN/ABeat-50.0%
    Dec 20
    		$0.11N/AN/ABeat-35.3%
    Sep 20
    		$0.13N/AN/ABeat-48.0%
    Jun 20
    		$0.12N/AN/ABeat-50.0%
    Mar 20
    		$0.16N/AN/ABeat-33.3%
    Dec 19
    		$0.17N/AN/ABeat-26.1%
    Sep 19
    		$0.25N/AN/ABeat+19.0%
    Jun 19
    		$0.24N/AN/ABeat+20.0%
    Mar 19
    		$0.24N/AN/ABeat+26.3%
    Dec 18
    		$0.23N/AN/ABeat+43.8%
    Sep 18
    		$0.21N/AN/ABeat+31.2%
    Jun 18
    		$0.20N/AN/ABeat+33.3%
    Mar 18
    		$0.19N/AN/ABeat+90.0%
    Dec 17
    		$0.16N/AN/ABeat+60.0%
    Sep 17
    		$0.16N/AN/ABeat+77.6%
    Jun 17
    		$0.15N/AN/ABeat-
    Mar 17
    		$0.10N/AN/ABeat-
    Dec 16
    		$0.10N/AN/ABeat-
    Sep 16
    		$0.09N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield2.28%
    Annual/Share$0.24
    Payout Ratio33.73%
    Frequency4
    Pay MonthsJan, Oct

    Growth

    3Y CAGR+22.05%
    5Y CAGR+6.40%
    View UBFO's full dividend history

    Key Metrics

    Valuation
    P/E Ratio14.90EV/EBITDAN/A
    Price/FCF9.18xFCF Yield10.90%
    Profitability
    Profit Margin25.50%Operating Margin39.20%
    ROE9.10%ROIC8.42%
    Financial Health
    Debt/Equity0.05xInterest Coverage1.39x
    Current Ratio0.64xQuick Ratio0.64x
    Trading Statistics
    Beta0.29Avg VolumeN/A
    52-Week High$11.5252-Week Low$8.38

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$10.51
    SMA 20$10.51
    SMA 50$10.51
    SMA 200$10.40
    EMA 10$10.51
    EMA 20$10.51
    EMA 50$10.51
    EMA 200$10.25

    MACD

    Line: N/ASignal: 0.00Hist: N/A

    ADX

    ADX: 21.2+DI: 28.9-DI: 18.8

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down100.0
    PSAR$10.56

    Bollinger Bands

    Upper Band$10.51
    Lower Band$10.51
    %B PositionN/A
    Band Width0.50

    RSI (14-Day)

    Neutral
    55.0

    Momentum Oscillators

    Stoch %KN/A
    Stoch %DN/A
    Williams %RN/A
    ROC (10d)N/A
    MomentumN/A
    CCI (20d)N/A
    MFI (14d)N/A

    Volatility Measures

    ATR (14d)$0.00(0.0%)
    StdDev (20d)N/A
    Hist VolN/A

    Volume Flow

    VWAP$10.51
    OBV1.6M
    AD Line-17.0M
    CMF (20d)N/A

    Volume Metrics

    Avg Vol (20d)N/A
    Vol RatioN/A
    VWMA (20d)N/A

    Pivot Points

    R3$10.51
    R2$10.51
    R1$10.51
    Pivot Point$10.51
    S1$10.51
    S2$10.51
    S3$10.51

    Advanced Oscillators

    TSI11.59
    Ultimate OscN/A
    KSTN/A

    Financial Data

    QuarterDec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023Mar 2023
    Total Revenue$13.54M$14.04M$12.62M$13.66M$11.92M$13.84M$13.04M$12.77M$14.95M$12.04M$13.52M$14.39M
    Cost of Revenue$3.17M$2.54M$5.00M$5.29M$4.55M$5.50M$3.47M$3.34M$4.33M$3.41M$3.67M$1.12M
    Gross Profit$13.07M$13.09M$10.76M$11.36M$10.75M$12.27M$13.01M$12.59M$14.05M$12.02M$12.40M$14.87M
    Operating Expenses$8.81M$7.43M$7.74M$7.60M$7.43M$7.14M$6.97M$6.74M$6.88M$6.63M$6.21M$6.24M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating Income$4.26M$5.66M$3.02M$3.75M$3.28M$5.13M$6.05M$5.86M$7.20M$5.41M$6.22M$8.65M
    Interest Income$14.90M$15.63M$15.00M$15.28M$15.14M$15.76M$14.97M$14.88M$15.40M$15.33M$15.09M$14.56M
    Interest Expense$2.71M$3.21M$3.14M$2.99M$3.34M$3.94M$3.45M$3.17M$3.45M$3.41M$2.58M$1.61M
    Income Before Tax$4.26M$5.66M$3.02M$3.75M$3.28M$5.13M$6.05M$5.86M$7.20M$5.41M$6.22M$8.65M
    Income Tax Expense$850,000$1.63M$855,000$1.07M$786,000$1.31M$1.75M$1.70M$1.80M$1.56M$1.80M$2.52M
    Net Income$3.41M$4.02M$2.17M$2.68M$2.50M$3.83M$4.30M$4.16M$5.40M$3.85M$4.42M$6.13M
    EBITDA$4.94M$6.71M$3.47M$4.23M$3.90M$6.12M$6.51M$6.32M$8.40M$5.87M$6.68M$9.13M
    EBIT$4.26M$5.66M$3.02M$3.75M$3.28M$5.13M$6.05M$5.86M$7.20M$5.41M$6.22M$8.65M
    * Some calculated fields are derived from available data when not provided by source

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    News

    United Security Bancshares Declares Quarterly Cash Dividend, Payable on July 24, 2023

    United Security Bancshares announced a regular quarterly cash dividend of $0.12 per share on its common stock. This dividend was declared by the Board of Directors on June 27, 2023. The payment is scheduled for July 24, 2023, to shareholders who are on record as of July 10, 2023.

    marketscreener.com•8/17/26•
    Somewhat-Bullish

    Dimensional reports 0.0% holding in United Security Bancshares (UBFO)

    Dimensional Fund Advisors LP has reported a 0.0% beneficial ownership in United Security Bancshares (UBFO) as of June 30, 2026, meaning they hold 0 shares. The firm disclaims beneficial ownership, stating the securities are owned by investment funds they advise, none of which individually hold more than 5% of UBFO's outstanding common stock. This Schedule 13G/A filing indicates that Dimensional no longer holds a significant stake in United Security Bancshares.

    Stock Titan•7/14/26•
    Neutral

    What Just Happened to United Security Bancshares (UBFO) Stock

    United Security Bancshares (UBFO) has completed an all-stock merger with Community West Bancshares (CWBC), ceasing to exist as an independent entity. Recent "D-Return" insider transactions, including those by Director Susan Quigley, represent the disposition of shares back to the issuer as part of the merger, not typical open market sales. Former UBFO shareholders received 0.4520 shares of CWBC for each UBFO share, valued at approximately $10.53 per UBFO share, and their investment is now tied to the larger, combined Community West Bancshares.

    Kavout•6/4/26•
    Neutral

    Frequently Asked Questions About UBFO

    What is UBFO's current dividend yield?
    United Security Bancshares (UBFO) has a current dividend yield of 2.28%.
    Does UBFO pay dividends?
    Yes, United Security Bancshares pays dividends with a current yield of 2.28%.
    What is UBFO's P/E ratio?
    United Security Bancshares has a price-to-earnings (P/E) ratio of 14.90.
    What is UBFO's market cap?
    United Security Bancshares (UBFO) has a market capitalization of $185.03M with a current stock price of $10.51.

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