Stock Scorecard
Stock Summary for United Security Bancshares (CA) (UBFO) - $10.34 as of 3/10/2026 9:57:43 AM EST
Total Score
13 out of 30
Safety Score
28 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for UBFO
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for UBFO
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for UBFO
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for UBFO
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for UBFO (28 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 4 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 8 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for UBFO
Financial Details for UBFO
Company Overview |
|
|---|---|
| Ticker | UBFO |
| Company Name | United Security Bancshares (CA) |
| Country | N/A |
| Description | United Security Bancshares is the banking holding company for United Security Bank, a state-licensed bank that provides a variety of commercial banking services to the business and professional community and individuals in California. The company is headquartered in Fresno, California. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 4/16/2026 |
Stock Price History |
|
| Last Day Price | 10.34 |
| Price 4 Years Ago | 6.02 |
| Last Day Price Updated | 3/10/2026 9:57:43 AM EST |
| Last Day Volume | 17,315 |
| Average Daily Volume | 22,909 |
| 52-Week High | 11.52 |
| 52-Week Low | 7.05 |
| Last Price to 52 Week Low | 46.67% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 15.37 |
| Sector PE | 60.12 |
| 5-Year Average PE | 9.83 |
| Free Cash Flow Ratio | 1.50 |
| Industry Free Cash Flow Ratio | 11.64 |
| Sector Free Cash Flow Ratio | 66.48 |
| Current Ratio Most Recent Quarter | 0.64 |
| Total Cash Per Share | 6.88 |
| Book Value Per Share Most Recent Quarter | 7.83 |
| Price to Book Ratio | 1.31 |
| Industry Price to Book Ratio | 1.12 |
| Sector Price to Book Ratio | 1.89 |
| Price to Sales Ratio Twelve Trailing Months | 3.77 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.32 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.15 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 17,575,900 |
| Market Capitalization | 181,734,806 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 12/26/2025 |
| Previous Dividend Amount | 0.1200 |
| Current Dividend Amount | 0.1200 |
| Total Years Dividend Increasing | 3 |
| Trailing Annual Dividend Rate | 0.48 |
| Trailing Annual Dividend Yield | 4.64% |
| Forward Annual Dividend Rate | 0.48 |
| Forward Annual Dividend Yield | 4.64% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 25.00% |
| 3-Year Dividend Growth Rate Percentage | 14.21% |
| 5-Year Dividend Growth Rate Percentage | 8.06% |
| All-Time Dividend Growth Rate Percentage | 13.88% |
| Dividend Payout Ratio | 73.85% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 4.50% |
| Annual Earnings Growth | -16.88% |
| Reported EPS 12 Trailing Months | 0.65 |
| Reported EPS Past Year | 0.71 |
| Reported EPS Prior Year | 0.86 |
| Net Income Twelve Trailing Months | 12,288,000 |
| Net Income Past Year | 12,288,000 |
| Net Income Prior Year | 14,783,000 |
| Quarterly Revenue Growth YOY | 6.60% |
| 5-Year Revenue Growth | 10.68% |
| Operating Margin Twelve Trailing Months | 44.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 120,955,000 |
| Total Cash Past Year | 120,955,000 |
| Total Cash Prior Year | 56,211,000 |
| Net Cash Position Most Recent Quarter | 111,810,000 |
| Net Cash Position Past Year | 109,383,000 |
| Long Term Debt Past Year | 11,572,000 |
| Long Term Debt Prior Year | 11,572,000 |
| Total Debt Most Recent Quarter | 9,145,000 |
| Equity to Debt Ratio Past Year | 0.92 |
| Equity to Debt Ratio Most Recent Quarter | 0.94 |
| Total Stockholder Equity Past Year | 139,683,000 |
| Total Stockholder Equity Prior Year | 130,362,000 |
| Total Stockholder Equity Most Recent Quarter | 139,683,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 21,464,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.22 |
| Free Cash Flow Past Year | 18,596,000 |
| Free Cash Flow Prior Year | 20,589,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.34 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 3/21/2026 9:24:37 AM EST |