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Upturn AI SWOT - About
UBFO 
United Security Bancshares (UBFO)
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Upturn Advisory Summary
09/15/2025: 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 43.76% | Avg. Invested days 84 | 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 09/15/2025 |
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 bank holding company that provides a range of banking and financial services. While specific founding year and early milestones details would require direct access to their official filings, it operates primarily in Alabama.
Core Business Areas
- Community Banking: Offers traditional banking services to individuals and small businesses, including checking and savings accounts, loans, and mortgages.
- Commercial Lending: Provides loans and other financial products to businesses, focusing on small to medium-sized enterprises (SMEs).
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Details on specific leadership team members require access to their official website or regulatory filings. Generally, the structure includes a board of directors, CEO, CFO, and various department heads overseeing different business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including expansion, working capital, and equipment purchases. Market share data requires access to banking industry reports specific to their operating region. Competitors include Regions Financial (RF), ServisFirst Bancshares (SFBS), and other regional banks.
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share data requires access to banking industry reports specific to their operating region. Competitors include Wells Fargo (WFC), Bank of America (BAC), and various mortgage lenders.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data requires access to banking industry reports specific to their operating region. Competitors include large national banks and other community banks.
Market Dynamics
Industry Overview
The banking industry is currently facing a complex environment, including fluctuating interest rates, increasing regulatory scrutiny, and growing competition from fintech companies. Economic conditions also play a key role.
Positioning
United Security Bancshares is positioned as a community bank focused on providing personalized service to its customers in Alabama. Competitive advantages may include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for community banking in Alabama is estimated to be in the billions of dollars. United Security Bancshares's position within this TAM depends on its market share and growth strategy.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Community focus
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger banks
- Potential technology gap compared to fintech companies
- Dependence on local economy
Opportunities
- Expansion into new markets within Alabama
- Increased adoption of digital banking services
- Growing demand for personalized financial advice
- Acquisition of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Alabama
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- RF
- SFBS
- CADE
Competitive Landscape
United Security Bancshares's advantages include local market knowledge and customer relationships. Disadvantages include smaller size and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require access to United Security Bancshares's financial reports and market share data.
Future Projections: Future growth projections would be based on analyst estimates and industry trends. Access to analyst reports is needed.
Recent Initiatives: Recent strategic initiatives require staying updated with company announcements and press releases.
Summary
United Security Bancshares is a community-focused bank with a strong presence in Alabama. Its strengths lie in local market knowledge and customer relationships. However, it faces challenges from larger competitors and the evolving financial landscape. Future growth will depend on its ability to adapt to changing market conditions and leverage its strengths.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports (where available), Industry Analysis Reports, Market Data Providers
Disclaimers:
The information provided is for general informational purposes only and does not constitute financial advice. Market share data is estimated based on available information and may not be precise. Consult with a qualified financial advisor before making any investment decisions.
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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