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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 $10.51, about 21.6% overvalued vs fair value, +18.1% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 27.8% ROE 9.1% Gross Margin 73.3%
$10.51
1.94%
As of April 1, 2026
Previous close • Vol 90d: 22.8%
52-Week Range
Market Cap
$177.90M
Enterprise Value
$69.95M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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: $10.51 -22% 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

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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
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
45
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing UBFO's balance between Growth (22.9%), Profitability (48.7%), and Safety (28.4%). Growth 23% Safety 28% Profitability 49%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

32th percentile vs peers
33
Key Signals
Asset Growth YoY 3.0% 43p Equity Growth YoY 6.4% 45p NII Growth YoY -5.0% 21p EPS Growth YoY -25.7% 20p
Strengths
  • Net Interest Margin in top 20% of peers (3.9%, 89th percentile)
  • Dividends/Tangible Equity in top 20% of peers (6.8%, 84th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-25.7%)

Profitability

69th percentile vs peers
70
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
41
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for United Security Bancshares.

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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:

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  • 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
- - -
-21.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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