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United security bancsharesUBFO.US Overview

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UBFO Recent Performance

0.58%

United security bancshares

1.79%

Avg of Sector

-0.31%

S&P500

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UBFO Key Information

UBFO Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

UBFO Profile

United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, 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 real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.

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UBFO FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

UBFO Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.70
PE Ratio (TTM)
14.97
Forward PE
-
PS Ratio (TTM)
3.78
PB Ratio
1.35
Price-to-FCF
7.92
METRIC
VALUE
vs. INDUSTRY
Gross Margin
93.84%
Net Margin
23.88%
Revenue Growth (YoY)
5.86%
Profit Growth (YoY)
-0.67%
3-Year Revenue Growth
5.21%
3-Year Profit Growth
-2.14%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.70
PE Ratio (TTM)
14.97
Forward PE
-
PS Ratio (TTM)
3.78
PB Ratio
1.35
Price-to-FCF
7.92
Gross Margin
93.84%
Net Margin
23.88%
Revenue Growth (YoY)
5.86%
Profit Growth (YoY)
-0.67%
3-Year Revenue Growth
5.21%
3-Year Profit Growth
-2.14%

  • When is UBFO's latest earnings report released?

    The most recent financial report for United security bancshares (UBFO) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating UBFO's short-term business performance and financial health. For the latest updates on UBFO's earnings releases, visit this page regularly.

  • Where does UBFO fall in the P/E River chart?

    According to historical valuation range analysis, United security bancshares (UBFO)'s current price-to-earnings (P/E) ratio is 12.73, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of UBFO?

    According to the latest financial report, United security bancshares (UBFO) reported an Operating Profit of 4.26M with an Operating Margin of 26.25% this period, representing a growth of 29.92% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is UBFO's revenue growth?

    In the latest financial report, United security bancshares (UBFO) announced revenue of 16.24M, with a Year-Over-Year growth rate of 51.63%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does UBFO have?

    At the end of the period, United security bancshares (UBFO) held Total Cash and Cash Equivalents of 120.96M, accounting for 0.1 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does UBFO go with three margins increasing?

    In the latest report, United security bancshares (UBFO) achieved the “three margins increasing” benchmark, with a gross margin of 80.47%%, operating margin of 26.25%%, and net margin of 21.02%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess UBFO's profit trajectory and future growth potential.

  • Is UBFO's EPS continuing to grow?

    According to the past four quarterly reports, United security bancshares (UBFO)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.2. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of UBFO?

    United security bancshares (UBFO)'s Free Cash Flow (FCF) for the period is 6.13M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 16.4% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of UBFO?

    The latest valuation data shows United security bancshares (UBFO) has a Price-To-Earnings (PE) ratio of 12.73 and a Price/Earnings-To-Growth (PEG) ratio of -0.98. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.