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UBFO 
United Security Bancshares (UBFO)
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Upturn Advisory Summary
12/04/2025: UBFO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 40.41% | Avg. Invested days 74 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/04/2025 |
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 |
Upturn AI SWOT
United Security Bancshares
Company Overview
History and Background
United Security Bancshares is a community bank holding company headquartered in Thomasville, Alabama. Founded to serve the financial needs of local communities, it has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including term loans, lines of credit, and commercial real estate financing.
- Retail Banking: Offers deposit accounts, personal loans, mortgages, and other retail banking services to individuals and families.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and institutions.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure includes departments for lending, retail banking, operations, and finance, all overseen by the executive management team and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is unavailable. Competitors include large national banks and other regional banks.
- Mortgage Loans: Loans to individuals for the purchase of residential properties. Market share data is unavailable. Competitors include mortgage companies and other financial institutions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is unavailable. Competitors include credit unions and online banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption. Competition is intense, with both traditional and non-traditional players vying for market share.
Positioning
United Security Bancshares positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantage lies in its strong relationships with customers and its understanding of the local market.
Total Addressable Market (TAM)
The TAM for community banking services in its operating region is estimated at $5-10 billion. United Security Bancshares is positioned to capture a portion of this market through its branch network and relationship-based approach.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Personalized customer service
- Established branch network
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
- Lower brand recognition
- Limited technology investment
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growth in wealth management business
- Strategic partnerships with fintech companies
- Rising demand for community banking
Threats
- Increased competition from larger banks
- Economic downturn in local market
- Rising interest rates
- Cybersecurity threats
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- Regional Banks operating in Alabama, Mississippi, and Florida (US stock ticker symbols vary)
Competitive Landscape
United Security Bancshares competes with larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local market expertise and personalized service. Disadvantages include its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be evaluated by analyzing past financial performance, including revenue growth, asset growth, and market share gains.
Future Projections: Future projections should be based on analyst estimates and management guidance. Key growth drivers include loan growth, deposit growth, and fee income growth.
Recent Initiatives: Recent strategic initiatives could include branch expansions, technology upgrades, and new product launches.
Summary
United Security Bancshares is a community bank with a strong presence in its local market. It benefits from its personalized customer service and knowledge of the local economy. However, it faces challenges from larger competitors and the evolving banking landscape. Future success depends on its ability to adapt to technological changes and expand its market reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Financial News Outlets
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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.
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