United Security Bancshares (CA) UBFO Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$10.51 unchanged at close Nov 6
Last close · Previous close $10.51
- Market cap
- $184.72MAt the Nov 6 close
- P/E ratio
- 14.80On last 12 months’ EPS
- Diluted EPS
- $0.71Last 12 months
- Dividend yield
- 1.14%Last 12 months
Price chart
$10.51unchangedPast month
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$10.51Nov 5
- Volume0.00Nov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume0.00Last 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $9.35 to $11.52; now $10.51
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
UBFO beat the S&P 500 in 3 of 7 periods.
| Period | UBFO and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | UBFO: unchanged S&P 500: down 5.6% | UBFO beat the S&P 500 by 5.6 percentage points Beat |
| 3M | UBFO: unchanged S&P 500: down 4.1% | UBFO beat the S&P 500 by 4.1 percentage points Beat |
| YTD | UBFO: up 4.4% S&P 500: up 8.7% | UBFO trailed the S&P 500 by 4.3 percentage points Trailed |
| 1Y | UBFO: up 12.2% S&P 500: up 10.9% | UBFO beat the S&P 500 by 1.3 percentage points Beat |
| Long term | ||
| 3Y | UBFO: up 52.4% S&P 500: up 75.0% +15.1% vs +20.5% a year | UBFO trailed the S&P 500 by 22.6 percentage points Trailed |
| 5Y | UBFO: up 67.6% S&P 500: up 67.8% +10.9% vs +10.9% a year | UBFO trailed the S&P 500 by 0.2 percentage points Trailed |
| 10Y | UBFO: up 180.1% S&P 500: up 313.1% +10.8% vs +15.2% a year | UBFO trailed the S&P 500 by 133.0 percentage points Trailed |
$10,000 invested in UBFO 10 years ago (Nov 4, 2016) would be worth about $28,008 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
UBFO beat the S&P 500 in 3 of 7 periods.
| Period | UBFO and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | UBFO: unchanged S&P 500: down 5.6% | UBFO beat the S&P 500 by 5.6 percentage points Beat |
| 3M | UBFO: unchanged S&P 500: down 4.3% | UBFO beat the S&P 500 by 4.3 percentage points Beat |
| YTD | UBFO: up 4.4% S&P 500: up 7.8% | UBFO trailed the S&P 500 by 3.4 percentage points Trailed |
| 1Y | UBFO: up 10.9% S&P 500: up 9.7% | UBFO beat the S&P 500 by 1.2 percentage points Beat |
| Long term | ||
| 3Y | UBFO: up 34.2% S&P 500: up 68.8% +10.3% vs +19.1% a year | UBFO trailed the S&P 500 by 34.6 percentage points Trailed |
| 5Y | UBFO: up 30.2% S&P 500: up 56.9% +5.4% vs +9.4% a year | UBFO trailed the S&P 500 by 26.7 percentage points Trailed |
| 10Y | UBFO: up 75.8% S&P 500: up 252.6% +5.8% vs +13.4% a year | UBFO trailed the S&P 500 by 176.8 percentage points Trailed |
$10,000 invested in UBFO 10 years ago (Nov 4, 2016) would be worth about $17,576 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$18.40
Closing high on . Now 42.9% below that record.
Split-adjusted daily closes since Mar 3, 1999.
Stock splits
36
Latest: 1-for-1 on . One share bought before the first split is 2 shares today.
All 36 splits
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- 2-for-1
Valuation
The Nov 6 close compared with the last 12 months of reported results (the four quarters to Dec 31, 2025). Tap a metric to see how it’s calculated.
Price-to-earnings (P/E)
14.8×The Nov 6 close ÷ diluted EPS over the last 12 months ($0.71)
The range covers daily P/E ratios from Oct 28, 2021 to Nov 6, 2026, each based on the previous 12 months of earnings.
UBFO trades at 14.8× its earnings over the last 12 months, above its 5-year median of 10.5×. In plain terms, buyers are paying about $15 for each $1 of profit from the past year. How to read P/E
Other valuation measures
- 3.8×Last 12 months’ revenue
Market value divided by revenue over the last 12 months. Useful when earnings are small or negative.
P/S = Market cap ÷ Revenue (last 12 months)Price-to-sales ratio - 1.3×Book value as of Dec 31, 2025
Price relative to accounting equity (book value) per share on the Dec 31, 2025 balance sheet. Asset-light companies often trade far above book value.
P/B = Price ÷ Book value per sharePrice-to-book ratio - 3.9×Last 12 months’ EBITDA
Enterprise value divided by EBITDA over the last 12 months. It compares companies with different amounts of debt.
EV/EBITDA = Enterprise value ÷ EBITDA (last 12 months)EV/EBITDA explained - 10.71%Last 12 months’ free cash flow
Free cash flow over the last 12 months as a share of the company’s market value: the cash the business generated for each dollar of stock.
FCF yield = Free cash flow (last 12 months) ÷ Market capFree cash flow - $73.42MAt the Nov 6 close
What it would cost to buy the whole business: the market cap at the Nov 6 close, plus debt, minus cash and short-term investments from the Dec 31, 2025 balance sheet.
EV = Market cap + Debt − Cash and short-term investmentsEV/EBITDA explained
Build your own UBFO DCF in Excel. Value United Security Bancshares (CA) with your own growth and margin assumptions.Browse DCF models Free DCF calculator
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q4 FY25, the quarter ended Dec 31, 2025. “Last 12 months” means the four quarters from Jan 1, 2025 to Dec 31, 2025, and balance-sheet figures are as of Dec 31, 2025.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $48.28Mdown 0.7%
- Net income
- $12.29Mdown 16.9%
- Diluted EPS
- $0.71down 15.5%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q1 FY24 (Mar 31, 2024) | $12.59M | $4.16M | $0.24 |
| Q2 FY24 (Jun 30, 2024) | $13.02M | $4.30M | $0.25 |
| Q3 FY24 (Sep 30, 2024) | $12.28M | $3.83M | $0.22 |
| Q4 FY24 (Dec 31, 2024) | $10.71M | $2.50M | $0.13 |
| Q1 FY25 (Mar 31, 2025) | $11.36M | $2.68M | $0.16 |
| Q2 FY25 (Jun 30, 2025) | $10.76M | $2.17M | $0.13 |
| Q3 FY25 (Sep 30, 2025) | $13.09M | $4.02M | $0.23 |
| Q4 FY25 (Dec 31, 2025) | $13.07M | $3.41M | $0.19 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $36.93M | $10.10M | $0.59 |
| FY22 (Dec 31, 2022) | $46.10M | $15.69M | $0.92 |
| FY23 (Dec 31, 2023) | $53.43M | $19.80M | $1.16 |
| FY24 (Dec 31, 2024) | $48.60M | $14.78M | $0.85 |
| FY25 (Dec 31, 2025) | $48.28M | $12.29M | $0.70 |
Margins
- Gross 100.0%
- Operating 34.6%
- Net 25.5%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $19.78MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$22.06MLast 12 months
- Capital spending$2.28MLast 12 months
- 41.0%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $0.00Last 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$8.39MLast 12 months
- Total returned$8.39MLast 12 months
42% of free cash flow
Balance sheet
- Not reportedAs of Dec 31, 2025
Cash plus short- and long-term marketable securities on the Dec 31, 2025 balance sheet.
- Total debt$9.65MAs of Dec 31, 2025
- 0.07As of Dec 31, 2025
Total debt divided by shareholders’ equity on the Dec 31, 2025 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 9.0%Last 12 months
Over the last 12 months, United Security Bancshares (CA)’s net income was 9.0% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 1.0%Last 12 months
Over the last 12 months, United Security Bancshares (CA)’s net income was 1.0% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.99 |
| 2017 | $0.17 |
| 2018 | $0.35 |
| 2019 | $0.55 |
| 2020 | $0.44 |
| 2021 | $0.44 |
| 2022 | $0.33 |
| 2023 | $0.46 |
| 2024 | $0.48 |
| 2025 | $0.60 |
| 2026 (to date) | $0.000 |
Dividend details
- $0.12Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- 1.14%; 5-yr low 1.14%, 5-yr high 8.96%Last 12 months
Dividends paid over the last 12 months as a share of the Nov 6 close. The bar shows where that yield sits in its range over the past five years; the median was 5.58%.
- $0.12Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
- up 6.4% a yearFull years 2020–2025
The compound annual growth rate of the full-year dividend per share from 2020 to 2025.
- 2 yearsThrough 2025
How many calendar years in a row the full-year amount has risen, through 2025.
- 16.9%Last 12 months
The share of earnings paid out as dividends over the last 12 months. Lower ratios leave more room to reinvest or raise the dividend.
Payout = Dividends per share ÷ Diluted EPS (both last 12 months)Payout ratio calculator
About United Security Bancshares (CA)
United Security Bancshares is the holding company for United Security Bank, which was founded in 1987. United Security Bank is headquartered in Fresno and operates 13 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Fowler, Mendota, Oakhurst, San Joaquin, and Taft. Additionally, United Security Bank operates Commercial Real Estate Construction, Commercial Lending, and Consumer Lending departments.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Headquarters
- California, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
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UBFO stock FAQ
What is UBFO stock’s price today?
United Security Bancshares (CA) (UBFO) traded at $10.51 at the close on , unchanged from the previous close of $10.51. Over the past 52 weeks it has traded between $9.35 and $11.52.
If you invested $1,000 in UBFO 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in UBFO on would be worth about $2,801 at the close on , a total return of +180.1%. The same $1,000 would be worth $1,676 if invested five years ago, $1,122 if invested one year ago, and $1,467 if invested 20 years ago. Past performance doesn’t predict future returns.
What is United Security Bancshares (CA)’s market cap?
United Security Bancshares (CA)’s market capitalization is about $184.7 million. That’s Tiingo’s daily market cap for , at that day’s closing price of $10.51 (how market cap works). United Security Bancshares (CA) reported 17.58M shares outstanding at the end of its latest quarter ().
What is UBFO’s P/E ratio?
UBFO trades at 14.8 times its diluted earnings over the four quarters to ($0.71 per share), at the close. Over the past five years its P/E has ranged from 4.9 to 16.3, with a median of 10.5. (How the P/E ratio works.)
How much revenue does United Security Bancshares (CA) make?
United Security Bancshares (CA) reported $48.3 million of revenue over the four quarters to , down 0.7% from the twelve months before. In its latest quarter (Q4 FY25, ended ) revenue was $13.1 million, up 22.0% from a year earlier.
Is United Security Bancshares (CA) profitable?
Yes. United Security Bancshares (CA) earned $12.3 million of net income over the four quarters to , a net margin of 25.5%, and its operating margin was 34.6% (what margins tell you).
What are UBFO’s earnings per share?
UBFO’s diluted earnings per share were $0.71 over the four quarters to , compared with $0.84 in the twelve months before. The latest quarter (Q4 FY25) brought $0.19 per share, against $0.13 a year earlier (how EPS works).
Does UBFO pay a dividend?
United Security Bancshares (CA) paid dividends in the last twelve months. The most recent was $0.12 per share, with an ex-dividend date of . Over the last twelve months it paid $0.12 per share, a 1.14% yield at the close (how dividend yield works).
What is UBFO’s 52-week high and low?
Over the past 52 weeks UBFO has traded as low as $9.35 and as high as $11.52. At $10.51 at the close on , it is 8.8% below that high and 12.4% above the low.
What is UBFO’s all-time high?
UBFO’s highest closing price was $18.40 on , adjusted for stock splits. At $10.51 at the close on , it is 42.9% below that record.
Has UBFO stock ever split?
Yes, 36 times: 2-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on ; 1-for-1 on . One share bought before the first split would be 2 shares today.
How has UBFO stock performed?
Including dividends and measured to the close on , UBFO has returned +4.4% so far this year and +12.2% over the past year, and +67.6% over five years (+10.9% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is United Security Bancshares (CA) in?
United Security Bancshares (CA) is in the Financial Services sector and the Banks - Regional industry, and is headquartered in California, USA.
What exchange does UBFO trade on?
United Security Bancshares (CA) trades on the Nasdaq under the ticker symbol UBFO. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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