Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Valuation
- About
UBFO 
United Security Bancshares (UBFO)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
12/11/2025: 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 44.89% | Avg. Invested days 75 | 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 12/11/2025 |
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 was founded in 1960 and has since grown into a community-focused financial institution. Its primary subsidiary, United Security Bank, operates branches primarily in California. The company has maintained a consistent focus on serving local communities and building long-term customer relationships.
Core Business Areas
- Community Banking: Provides a range of deposit and lending products and services to individuals, small to medium-sized businesses, and their employees. This includes checking and savings accounts, commercial and consumer loans, mortgages, and other financial services.
- Investment Services: Offers investment and wealth management services through its subsidiary, which may include brokerage, financial planning, and trust services.
Leadership and Structure
United Security Bancshares operates as a holding company with United Security Bank as its primary subsidiary. The leadership team consists of experienced banking professionals responsible for strategic direction and operational oversight of the bank and its branches.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit (CD) accounts tailored to personal and business needs. Market share data for specific deposit products is not readily available, but it competes with all major and regional banks offering similar products.
- Commercial Loans: Provides a variety of commercial real estate loans, small business administration (SBA) loans, and lines of credit to support business growth. Competitors include regional banks, credit unions, and larger national financial institutions.
- Residential Mortgages: Offers a range of mortgage loan products for home purchases and refinancing. Competes with national mortgage lenders, other community banks, and credit unions.
Market Dynamics
Industry Overview
The US banking industry is highly competitive, characterized by a mix of large national banks, regional institutions, and numerous community banks. Trends include digital transformation, increasing regulatory scrutiny, and evolving customer expectations for convenience and personalized service. Interest rate fluctuations significantly impact profitability.
Positioning
United Security Bancshares positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages include strong relationships with local businesses and individuals, and a deep understanding of its service areas. However, it faces challenges from larger institutions with greater resources and broader product offerings.
Total Addressable Market (TAM)
The TAM for community banking services is substantial, encompassing all individuals and businesses requiring deposit, lending, and other financial services within its geographic footprint. United Security Bancshares targets a specific segment of this market, focusing on local needs. Its ability to capture a significant portion of its addressable market is dependent on its branch network, digital capabilities, and competitive product offerings.
Upturn SWOT Analysis
Strengths
- Strong community relationships and local market knowledge.
- Personalized customer service model.
- Experienced management team with deep industry expertise.
Weaknesses
- Limited geographic reach compared to larger competitors.
- Potentially slower adoption of cutting-edge digital technologies.
- Smaller capital base may limit aggressive expansion or acquisition strategies.
Opportunities
- Expansion into adjacent geographic markets with similar demographics.
- Growth in small business lending and SBA loans.
- Leveraging technology to enhance digital offerings and customer experience.
- Partnerships with local businesses for integrated financial services.
Threats
- Intensified competition from larger banks and fintech companies.
- Changing regulatory landscape and compliance costs.
- Economic downturns impacting loan demand and credit quality.
- Interest rate volatility affecting net interest margins.
Competitors and Market Share
Key Competitors
- First California Bancorp (FCBC)
- PacWest Bancorp (PACW)
- Commercial Bank of California (CBOC)
Competitive Landscape
United Security Bancshares competes in a fragmented market. Its advantages lie in its community focus and personalized service. However, it faces disadvantages in scale, technology investment, and brand recognition compared to larger, publicly traded banks. Smaller regional banks and credit unions are also direct competitors for local deposits and loans.
Growth Trajectory and Initiatives
Historical Growth: Historically, United Security Bancshares has experienced steady, albeit moderate, growth driven by its core banking operations and strategic expansions within its service areas. Growth in loans and deposits reflects its ability to attract and retain customers.
Future Projections: Future growth projections would depend on analyst consensus for the banking sector and specific company strategies. Factors like interest rate environments, economic conditions in California, and the company's ability to innovate and expand its service offerings will be key.
Recent Initiatives: Recent initiatives likely focus on enhancing digital banking capabilities, optimizing branch operations, managing credit risk, and potentially pursuing strategic partnerships or small acquisitions to expand market reach or product offerings.
Summary
United Security Bancshares is a well-established community bank with strong local ties and a focus on personalized service, which are key strengths. However, it faces significant challenges from larger competitors with greater resources and technological capabilities, and its limited geographic reach could hinder future growth. To thrive, the company must continue to invest in digital transformation while leveraging its community advantage and carefully manage its operational efficiency and credit risk.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial news and analysis websites
- Industry reports on the US banking sector
Disclaimers:
This analysis is based on publicly available information and may not be exhaustive. Market share data and competitor information are estimates and can fluctuate. Financial performance is subject to market volatility and economic conditions. This JSON output is for informational purposes only and should not be considered investment advice.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.