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Upturn AI SWOT - About
UBFO 
United Security Bancshares (UBFO)
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Upturn Advisory Summary
10/20/2025: UBFO (1-star) is currently NOT-A-BUY. Pass it for now.
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 37.05% | Avg. Invested days 89 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/20/2025 |
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, Inc. is a bank holding company that provides various banking products and services primarily to individuals, businesses, and nonprofit organizations in Alabama. The company was founded in 1987.
Core Business Areas
- Community Banking: Offers traditional banking services including checking and savings accounts, loans, and other financial products.
Leadership and Structure
The leadership team consists of executive officers who oversee the operations and strategic direction. The organizational structure involves a board of directors and various departments within the bank.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as capital expenditures and working capital. Market share data is not publicly available. Competitors: Wells Fargo, Bank of America.
- Real Estate Loans: Mortgages and other loans secured by real estate. Market share data is not publicly available. Competitors: Wells Fargo, Bank of America.
- Consumer Loans: Loans to individuals for personal use. Market share data is not publicly available. Competitors: Wells Fargo, Bank of America.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive, influenced by interest rates, economic conditions, and technological advancements.
Positioning
United Security Bancshares is a community bank, focusing on serving local markets. Their competitive advantage lies in personalized service and local knowledge.
Total Addressable Market (TAM)
The TAM for community banking in Alabama is estimated to be in the billions of dollars. United Security Bancshares has a small percentage of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer loyalty
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking services
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Increasing demand for community banking services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
Competitive Landscape
United Security Bancshares faces strong competition from larger national banks. Its advantage lies in its local focus, but it must innovate to remain competitive.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires access to a specific financial database which is currently not available.
Future Projections: Future projections requires access to a specific financial database which is currently not available.
Recent Initiatives: Recent initiatives requires access to a specific financial database which is currently not available.
Summary
United Security Bancshares is a community bank with a strong local presence. It faces challenges from larger banks and must adapt to changing technology. Customer loyalty and local knowledge are key strengths. Its small market share is a key weakness and it needs to seek more opportunities to grow.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (where available)
- Industry Reports
- Analyst Estimates (where available)
Disclaimers:
The information provided is for general informational purposes only and should not be construed as investment advice. Market share data is based on estimates and may not be precise.
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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