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UBFO logo UBFO
Upturn stock ratingUpturn stock rating
UBFO logo

United Security Bancshares (UBFO)

Upturn stock ratingUpturn stock rating
$8.59
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/27/2025: UBFO (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

0 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Year Target Price $0

Year Target Price $0

Analyst’s Price TargetsFor last 52 week
$0Target price
Low$6.75
Current$8.59
high$10.21

Analysis of Past Performance

Type Stock
Historic Profit 37.7%
Avg. Invested days 95
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 150.12M USD
Price to earnings Ratio 11.01
1Y Target Price -
Price to earnings Ratio 11.01
1Y Target Price -
Volume (30-day avg) -
Beta 0.35
52 Weeks Range 6.75 - 10.21
Updated Date 06/29/2025
52 Weeks Range 6.75 - 10.21
Updated Date 06/29/2025
Dividends yield (FY) 5.59%
Basic EPS (TTM) 0.78

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 28.09%
Operating Margin (TTM) 34.56%

Management Effectiveness

Return on Assets (TTM) 1.11%
Return on Equity (TTM) 10.35%

Valuation

Trailing PE 11.01
Forward PE -
Enterprise Value 134640208
Price to Sales(TTM) 3.17
Enterprise Value 134640208
Price to Sales(TTM) 3.17
Enterprise Value to Revenue 3.29
Enterprise Value to EBITDA -
Shares Outstanding 17475900
Shares Floating 13659185
Shares Outstanding 17475900
Shares Floating 13659185
Percent Insiders 21.81
Percent Institutions 26

Analyst Ratings

Rating -
Target Price -
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold -
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

United Security Bancshares

stock logo

Company Overview

overview logo History and Background

United Security Bancshares, Inc. operates as the bank holding company for United Security Bank. Founded to serve the financial needs of its local communities, it has grown steadily through organic expansion and strategic acquisitions.

business area logo Core Business Areas

  • Commercial Banking: Offers business loans, lines of credit, and commercial real estate financing.
  • Retail Banking: Provides checking accounts, savings accounts, mortgage loans, and other consumer banking services.
  • Wealth Management: Offers trust and investment management services to individuals and businesses.

leadership logo Leadership and Structure

The leadership team consists of executive officers who oversee the various business segments. The organizational structure includes a board of directors that provides overall governance and strategic direction.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Business loans are a primary offering, providing capital for operations and expansion. Market share data is not readily available without proprietary databases. Competitors include regional and national banks like Wells Fargo and Bank of America.
  • Mortgage Loans: Mortgage loans are another key product, facilitating homeownership. Competitors include mortgage companies like Rocket Mortgage and other regional banks.
  • Deposit Accounts: Checking, savings, and money market accounts attract and hold capital for investment and lending. Competitors include online banks and credit unions.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increasing competition from fintech companies. Consolidation within the industry is also a significant trend.

Positioning

United Security Bancshares is positioned as a community-focused bank, emphasizing personalized service and local expertise. This approach allows them to compete with larger national banks.

Total Addressable Market (TAM)

The TAM for banking services includes all individuals and businesses requiring financial services. United Security Bancshares is positioned to capture a segment of this market through its community-focused approach. Exact total market value hard to define as it fluctuates and requires specific geodata.

Upturn SWOT Analysis

Strengths

  • Strong local presence
  • Personalized customer service
  • Experienced management team
  • Solid deposit base

Weaknesses

  • Limited geographic reach
  • Smaller asset size compared to larger banks
  • Reliance on traditional banking services
  • Lower marketing budget compared to large banking brands

Opportunities

  • Expansion into new markets
  • Adoption of fintech solutions
  • Strategic acquisitions
  • Increase in interest rates

Threats

  • Increased competition from larger banks and fintech companies
  • Regulatory changes
  • Economic downturn
  • Cybersecurity threats

Competitors and Market Share

competitor logo Key Competitors

  • WFC
  • BAC
  • C
  • USB

Competitive Landscape

United Security Bancshares competes with larger national and regional banks. Its advantage lies in its local focus and customer service, while its disadvantages include limited resources and geographic reach.

Growth Trajectory and Initiatives

Historical Growth: Historical growth data requires access to proprietary financial databases.

Future Projections: Future projections require access to financial analyst reports.

Recent Initiatives: Recent strategic initiatives data require access to investor relations reports.

Summary

United Security Bancshares is a community bank with a solid local presence, offering personalized customer service. It faces challenges from larger banks and fintech companies. Expansion into new markets and strategic acquisitions could bolster its growth, while adapting to regulatory changes remains vital.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Industry Reports (where accessible)

Disclaimers:

This analysis is based on publicly available information and general industry knowledge. Financial data is simulated due to limitations in accessing real-time proprietary financial data. This is not financial advice; consult a qualified professional for investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About United Security Bancshares

Exchange NASDAQ
Headquaters Fresno, CA, United States
IPO Launch date 1999-03-03
Chairman of the Board, President & CEO Mr. Dennis R. Woods M.D.
Sector Financial Services
Industry Banks - Regional
Full time employees 114
Full time employees 114

United Security Bancshares operates as the bank holding company for United Security Bank that provides a range of commercial banking services in the United States. The company offers deposit instruments, 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 lending products, such as real estate, real estate construction, commercial and industrial, agricultural, and installment loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, interactive teller machine services, payroll direct deposit, cashier's checks, cash management, and foreign draft services, as well as person-to-person and bank-to-bank transfers for consumer customers. It serves the business and professional community, and individuals. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.