United Security Bancshares (UBFO)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$10.51

+0.00 (+0.00%)

Market Cap: $185.03M

Last updated: Oct 14, 2026 at 5:00 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Mar 31, 2026Mar 26 Reported Apr 16, 2026Reported Apr 16	$N/A	N/A	-	N/A	Beat	-	-	-
Dec 31, 2025Dec 25 Reported Jan 22, 2026Reported Jan 22	$0.19	$0.00	-	N/A	Beat	-	-	+31.3%
Sep 30, 2025Sep 25 Reported Oct 16, 2025Reported Oct 16	$0.23	N/A	-	N/A	Beat	-	-	+3.4%
Jun 30, 2025Jun 25 Reported Jul 17, 2025Reported Jul 17	$0.13	N/A	-	N/A	Beat	-	-	-48.0%
Mar 31, 2025Mar 25 Reported Apr 17, 2025Reported Apr 17	$0.16	N/A	-	N/A	Beat	-	-	-35.9%
Dec 31, 2024Dec 24 Reported Mar 20, 2025Reported Mar 20	$0.14	N/A	-	N/A	Beat	-	-	-53.3%
Sep 30, 2024Sep 24 Reported Oct 18, 2024Reported Oct 18	$0.22	N/A	-	N/A	Beat	-	-	-1.0%
Jun 30, 2024Jun 24 Reported Jul 18, 2024Reported Jul 18	$0.25	N/A	-	N/A	Beat	-	-	-3.1%
Mar 31, 2024Mar 24 Reported Apr 18, 2024Reported Apr 18	$0.24	N/A	-	N/A	Beat	-	-	-32.4%
Dec 31, 2023Dec 23 Reported Mar 26, 2024Reported Mar 26	$0.31	N/A	-	N/A	Beat	-	-	+0.0%
Sep 30, 2023Sep 23 Reported Oct 30, 2023Reported Oct 30	$0.22	N/A	-	N/A	Beat	-	-	-13.5%
Jun 30, 2023Jun 23 Reported Jul 25, 2023Reported Jul 25	$0.26	N/A	-	N/A	Beat	-	-	+29.0%
Mar 31, 2023Mar 23 Reported Apr 26, 2023Reported Apr 26	$0.36	N/A	-	N/A	Beat	-	-	+155.9%
Dec 31, 2022Dec 22 Reported Mar 29, 2023Reported Mar 29	$0.31	N/A	-	N/A	Beat	-	-	+55.0%
Sep 30, 2022Sep 22 Reported Oct 19, 2022Reported Oct 19	$0.26	N/A	-	N/A	Beat	-	-	+73.3%
Jun 30, 2022Jun 22 Reported Jul 20, 2022Reported Jul 20	$0.20	N/A	-	N/A	Beat	-	-	+25.0%
Mar 31, 2022Mar 22 Reported Apr 20, 2022Reported Apr 20	$0.14	N/A	-	N/A	Beat	-	-	+75.0%
Dec 31, 2021Dec 21 Reported Mar 9, 2022Reported Mar 9	$0.20	N/A	-	N/A	Beat	-	-	+81.8%
Sep 30, 2021Sep 21 Reported Oct 20, 2021Reported Oct 20	$0.15	N/A	-	N/A	Beat	-	-	+15.4%
Jun 30, 2021Jun 21 Reported Jul 21, 2021Reported Jul 21	$0.16	N/A	-	N/A	Beat	-	-	+33.3%
Mar 31, 2021Mar 21 Reported Apr 21, 2021Reported Apr 21	$0.08	N/A	-	N/A	Beat	-	-	-50.0%
Dec 31, 2020Dec 20 Reported Mar 5, 2021Reported Mar 5	$0.11	N/A	-	N/A	Beat	-	-	-35.3%
Sep 30, 2020Sep 20 Reported Oct 15, 2020Reported Oct 15	$0.13	N/A	-	N/A	Beat	-	-	-48.0%
Jun 30, 2020Jun 20 Reported Jul 15, 2020Reported Jul 15	$0.12	N/A	-	N/A	Beat	-	-	-50.0%
Mar 31, 2020Mar 20 Reported Apr 15, 2020Reported Apr 15	$0.16	N/A	-	N/A	Beat	-	-	-33.3%
Dec 31, 2019Dec 19 Reported Feb 28, 2020Reported Feb 28	$0.17	N/A	-	N/A	Beat	-	-	-26.1%
Sep 30, 2019Sep 19 Reported Oct 16, 2019Reported Oct 16	$0.25	N/A	-	N/A	Beat	-	-	+19.0%
Jun 30, 2019Jun 19 Reported Jul 17, 2019Reported Jul 17	$0.24	N/A	-	N/A	Beat	-	-	+20.0%
Mar 31, 2019Mar 19 Reported Apr 17, 2019Reported Apr 17	$0.24	N/A	-	N/A	Beat	-	-	+26.3%
Dec 31, 2018Dec 18 Reported Mar 1, 2019Reported Mar 1	$0.23	N/A	-	N/A	Beat	-	-	+43.8%
Sep 30, 2018Sep 18 Reported Oct 17, 2018Reported Oct 17	$0.21	N/A	-	N/A	Beat	-	-	+31.2%
Jun 30, 2018Jun 18 Reported Jul 18, 2018Reported Jul 18	$0.20	N/A	-	N/A	Beat	-	-	+33.3%
Mar 31, 2018Mar 18 Reported Apr 18, 2018Reported Apr 18	$0.19	N/A	-	N/A	Beat	-	-	+90.0%
Dec 31, 2017Dec 17 Reported Jan 29, 2018Reported Jan 29	$0.16	N/A	-	N/A	Beat	-	-	+60.0%
Sep 30, 2017Sep 17 Reported Oct 17, 2017Reported Oct 17	$0.16	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 18, 2017Reported Jul 18	$0.15	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 19, 2017Reported Apr 19	$0.10	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 3, 2017Reported Mar 3	$0.10	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield4.57%

Forward Annual Dividend$0.48

Payout Ratio16.86%

FrequencyQuarterly

Pay MonthsJan, Oct

Growth

3Y CAGR+22.05%

5Y CAGR+6.40%

UBFO dividend history and ex-dividend dates Run UBFO in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	N/A	EV/EBITDA	3.45x
Price/FCF	9.18x	FCF Yield	10.90%
Profitability
Profit Margin	25.50%	Operating Margin	39.20%
ROE	9.10%	ROIC	8.42%
Financial Health
Debt/Equity	0.05x	Interest Coverage	1.39x
Current Ratio	0.64x	Quick Ratio	0.64x
Trading Statistics
Beta	0.29	Avg Volume	N/A
52-Week High	$11.52	52-Week Low	$8.45

Technical Indicators Dashboard

Moving Averages

SMA 10$10.51

SMA 20$10.51

SMA 50$10.51

SMA 200$10.50

EMA 10$10.51

EMA 20$10.51

EMA 50$10.51

EMA 200$10.28

MACD

Line: N/ASignal: N/AHist: N/A

ADX

ADX: 21.2+DI: 28.9-DI: 18.8

Aroon & PSAR

Aroon Up100.0

Aroon Down100.0

PSAR$10.54

Bollinger Bands

Upper Band$10.51

Lower Band$10.51

%B PositionN/A

Band Width16.00

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)N/A(0.0%)

StdDev (20d)N/A

Hist VolN/A

Volume Flow

VWAP$10.51

OBV1.9M

AD Line-12.8M

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

Quarter	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 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...

marketscreener.com•Aug 16, 2026 8:12 PM ET8/16/26•Somewhat-Bullish

UBFO Valuation and Fair Value

Forward P/E: 13.7x
EV/EBITDA: 3.5x
P/FCF: 9.2x
PEG: 0.0x
P/B: 1.3x

See GNG's fair value

UBFO Profitability: Margins, ROIC and FCF

Gross margin: 89.6%
Operating margin: 39.2%
Net margin: 25.5%
ROIC: 8.4%
ROE: 9.1%
FCF margin: 36.7%
FCF yield: 10.9%

UBFO Competitors

Company	Ticker
Nabors Energy Transition Corp. II Unit	NETDU
BV Financial, Inc. Common Stock	BVFL
Future Vision II Acquisition Corporation Units	FVNNU
SB Financial Group Inc	SBFG
Nabors Energy Transition Corp. II Class A Ordinary Shares	NETD
ECB Bancorp Inc.	ECBK
Landmark Bancorp Inc	LARK
Cantor Equity Partners, Inc. Class A Ordinary Shares	CEP

Sector: Financial Services

UBFO Bull Case vs Bear Case

Bull case

UBFO converts 36.7% of revenue into free cash flow.
UBFO has a 25.5% net profit margin.
UBFO grew quarterly revenue 15.8% year over year.

UBFO Earnings: Beat Rate and Next Report

Beat rate: 5 of 8 quarters (62.5%)
Average surprise: -1.7%

UBFO Dividend

Forward yield: 4.6%
Payout ratio: 16.9%
3Y DPS growth: 22.1%
5Y DPS growth: 6.4%
Pay months: Jan, Oct

UBFO dividend history

Frequently Asked Questions About UBFO

What is UBFO's current dividend yield?

United Security Bancshares (UBFO) has a forward dividend yield of 4.57%.

Does UBFO pay dividends?

Yes, United Security Bancshares pays dividends with a forward dividend yield of 4.57%.

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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