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Upturn AI SWOT - About
UBFO 
United Security Bancshares (UBFO)
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Upturn Advisory Summary
07/10/2025: 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.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 37.75% | Avg. Invested days 72 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/10/2025 |
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. 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.
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 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
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
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
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.
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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