UBFO logo
UBFO NASDAQ US

United Security Bancshares - Common Stock

Financials · Banking Website · IPO Mar 1996
$10.51
▲ +$0.00 (+0.00%)
11
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$177.0M
P/E
15.6
ROE
8.5%
Margin
36.2%
D/E
6.66
Beta
0.34
Div Yield
4.77%
52W
$7–$11

Price Chart

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Earnings

Beat rate: 25.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 — $0.19 —
Dec 2022 — $0.31 —
Mar 2007 $0.20 $0.21 +$0.01
Dec 2006 $0.22 $0.18 $-0.04

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 8.4% 8.4% 8.4% 8.4% 8.4% 8.5%
P/E (TTM) 13.52 13.91 14.53 14.33 15.69 15.57
Net Margin — 36.2% 36.2% 36.2% 36.2% 36.2%
Gross Margin — — — — — —
D/E Ratio 8.81 8.96 8.81 8.81 8.81 6.66
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
0.9%
P/S (TTM)
2.51
P/B
1.3
EPS (TTM)
$0.66
CF/Share
$1.24
Rev Growth 3Y
+6.6%
52W High
$10.53
52W Low
$7.32
$7.32 52-Week Range $10.53

How does UBFO compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

UBFO ACNB AFBI AMAL AROW

UBFO valuation vs Banking peers

P/E ratio
15.6
▲ 24% above peers (12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.5
▲ 8% above peers (2.3)
vs Peers
vs Industry
Fair value
P/B ratio
1.3
▲ 28% above peers (1.1)
vs Peers
vs Industry
Overvalued
Div yield
4.8%
▲ 59% above peers (3.0%)
vs Peers
vs Industry
Strong yield

UBFO profitability vs Banking peers

ROE
8.5%
▼ 6% below peers (9.0%)
vs Peers
vs Industry
In line
Net margin
36.2%
▲ 27% above peers (28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.9%
▼ 1% below peers (1.0%)
vs Peers
vs Industry
In line

UBFO financial health vs Banking peers

D/E ratio
6.7
▼ 52% below peers (13.8)
vs Peers
vs Industry
Low debt
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.3
▼ 51% below peers (0.7)
vs Peers
vs Industry
More volatile

UBFO fundamentals radar

UBFO Peer median Industry

UBFO profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

UBFO vs peers: key metrics

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