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Company Analysis

United Security Bancshares UBFO

A comprehensive view of key metrics, scores, and financial health for United Security Bancshares

Overview of United Security Bancshares

UBFO NMS
Financial Services Banks - Regional Micro Cap
United Security Bancshares (UBFO), is a Micro Cap company, in the Banks - Regional industry, last closed at $10.14, about 18.7% overvalued vs fair value, +10.1% 1Y return, placing in the top 25% of its sector.
$10.14
0.00%
As of March 13, 2026
Previous close • Vol 90d: 23.0%
52-Week Range
Market Cap
$182.30M
Enterprise Value
$74.35M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.unitedsecuritybank...
HQ Fresno, CA
Fiscal year Dec 31

Next Events

Earnings Apr 16 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$8
$15
Current: $10.14 -19% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$60.8M
0.6%%
Interest Expense
$12.0M
Net Interest Income
$46.9M
-5%%
Total Revenue
$65.9M
27.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.3%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$132.3M
895.0% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating United Security Bancshares's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
54
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing UBFO's balance between Growth (18.2%), Profitability (38.6%), and Safety (43.2%). Growth 18% Safety 43% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

31th percentile vs peers
32
Key Signals
Asset Growth YoY 3.0% 44p Rev Growth YoY 27.8% 26p Revenue CAGR 3Y 11.3% 25p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 31)

Profitability

67th percentile vs peers
68
Key Signals
Strengths
Risks
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Safety

75th percentile vs peers
76
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for United Security Bancshares.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$8.24
- - -
-18.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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