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United Security Bancshares (UBFO)

Upturn stock ratingUpturn stock rating
$9.47
Last Close (24-hour delay)
Profit since last BUY5.81%
upturn advisory
Consider higher Upturn Star rating
BUY since 38 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

08/28/2025: UBFO (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

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 45.91%
Avg. Invested days 81
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

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

ai summary icon Upturn AI SWOT

United Security Bancshares

stock logo

Company Overview

overview logo History and Background

United Security Bancshares, Inc. is a bank holding company headquartered in Thomasville, Alabama. It provides a range of banking and financial services to individuals and businesses, primarily in southwest Alabama.

business area logo Core Business Areas

  • Community Banking: Offers traditional banking services, including checking and savings accounts, loans, and other related products.
  • Commercial Lending: Provides commercial loans to businesses for various purposes, such as expansion, equipment purchases, and working capital.
  • Real Estate Lending: Offers mortgage loans to individuals and construction loans to developers.

leadership logo Leadership and Structure

The leadership team typically consists of a CEO, CFO, and other key executives. The organizational structure is typical of a community bank, with various departments responsible for different aspects of the business.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Loans to businesses for operating expenses, capital expenditures, and expansion. Market share data is specific to their geographic footprint in southwest Alabama, but generally, community banks compete with larger regional and national banks for these loans. Competitors include Regions Financial, PNC, and other local community banks.
  • Mortgage Loans: Residential mortgage loans for home purchases and refinances. Again, market share data is locally focused, and competition includes national mortgage lenders, credit unions, and other community banks. Competitors include Wells Fargo, Bank of America, and Quicken Loans.
  • Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. These accounts form the core funding base for the bank. Competitors include all banks operating in their region.

Market Dynamics

industry overview logo Industry Overview

The community banking industry is facing increasing competition from larger banks, fintech companies, and credit unions. Regulatory burdens and low interest rate environments also pose challenges.

Positioning

United Security Bancshares is a community bank focused on serving the needs of individuals and businesses in southwest Alabama. Their competitive advantages likely include strong local relationships and personalized service.

Total Addressable Market (TAM)

TAM is defined by the population and business activity within their service area. Positioning would be to capture a large percentage of the financial service activity within their defined region.

Upturn SWOT Analysis

Strengths

  • Strong local relationships
  • Personalized customer service
  • Experienced management team
  • Deep understanding of local markets

Weaknesses

  • Limited geographic reach
  • Smaller balance sheet compared to larger banks
  • Dependence on local economy
  • Less sophisticated technology compared to larger institutions

Opportunities

  • Expand into new markets within Alabama
  • Offer new products and services
  • Leverage technology to improve efficiency
  • Acquire smaller community banks

Threats

  • Increased competition from larger banks and fintech companies
  • Economic downturn in Alabama
  • Rising interest rates
  • Increased regulatory burden

Competitors and Market Share

competitor logo Key Competitors

  • Regions Financial (RF)
  • PNC Financial Services (PNC)
  • ServisFirst Bancshares (SFBS)

Competitive Landscape

United Security Bancshares faces competition from larger regional and national banks, as well as other community banks. To compete effectively, they need to focus on providing superior customer service and building strong relationships with their local communities.

Growth Trajectory and Initiatives

Historical Growth: Dependent on past financial performance, growth trends will need to be analyzed by looking at specific revenues and income numbers of the past years.

Future Projections: Analyst estimates are unavailable for this example.

Recent Initiatives: Recent strategic initiatives would need to be determined by reviewing annual reports and press releases.

Summary

United Security Bancshares is a community bank with a strong local presence. It faces significant competition from larger institutions and must adapt to changing industry dynamics. Their strengths lie in their customer relationships, while weaknesses include limited scale and resources. Focused strategy and execution are vital for future growth.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Financial news sources

Disclaimers:

This analysis is based on publicly available information and is for informational purposes only. It is not investment advice. Real-time financial data and specific market data may not be available, thus estimations are made to show the output structure. Always consult with a qualified financial advisor before making investment decisions.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.