UBFO
United Security Bancshares
Price Chart
No historical data available
Latest Quote
$10.51
+0.00 (+0.00%)
Current Price
| Previous Close | $10.51 |
| Open | $10.40 |
| Day High | $10.71 |
| Day Low | $10.31 |
| Volume | 263,975 |
Stock Information
| Quarterly Dividend / Yield | $0.48 / 0.05% |
| Shares Outstanding | 17.60M |
| Quarterly Dividend Yield | 0.05% |
| Quarterly Dividend | $0.48 |
| Total Debt | $9.65M |
| Cash Equivalents | $120.95M |
| Revenue | $48.28M |
| Net Income | $12.11M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $185.03M |
| P/E Ratio | 15.01 |
| EPS (TTM) | $0.70 |
| Exchange | NMS |
Recent Price History
No history data available. Data will be fetched automatically.
About United Security Bancshares
As of April 1, 2026, United Security Bancshares was acquired by Community West Bancshares. United Security Bancshares operates as the bank holding company for United Security Bank that engages in the provision of various commercial banking services in the United States. It offers deposit instruments, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. The company also provides lending products, such as real estate, real estate construction, commercial and industrial, agricultural, and installment loans. In addition, it offers online and mobile banking, safe deposit boxes, wire transfers, interactive teller machine services, payroll direct deposit, cashier's checks, cash management, and foreign draft services, as well as person-to-person and bank-to-bank transfers for consumer customers. It serves the business and professional community, and individuals. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.
đ° Latest News
UBFO's Q4 Earnings Rise Y/Y on Margin Expansion, Cost Cuts
Zacks âĸ 2026-01-28T17:40:00Z
Community West Bancshares, United Security Bancshares to merge in $191.9m deal
Retail Banker International âĸ 2025-12-18T11:23:55Z
Community West Bancshares, United Security Bancshares to Merge in All-Stock Deal Valued at $191.9 Million
MT Newswires âĸ 2025-12-17T14:24:33ZThe Zacks Analyst Blog Highlights SAP SE, Prologis, The Bank of New York Mellon and United Security Bancshares
Zacks âĸ 2025-11-17T09:33:00Z
Top Stock Reports for SAP, Prologis & Bank of New York Mellon
Zacks âĸ 2025-11-14T21:13:00Z
United Security Bancshares' (NASDAQ:UBFO) top owners are individual investors with 41% stake, while 36% is held by institutions
Simply Wall St. âĸ 2025-11-14T10:04:23Z
UBFO's Q3 Earnings Rise Y/Y on Higher Net Interest Income
Zacks âĸ 2025-10-22T14:26:00Z
United Security Bancshares (UBFO): No New Earnings Metrics Disclosed Ahead of Upcoming Results
Simply Wall St. âĸ 2025-10-17T23:07:49Z
Those who invested in United Security Bancshares (NASDAQ:UBFO) five years ago are up 114%
Simply Wall St. âĸ 2025-09-06T13:21:23Z
Zacks Initiates Coverage of UBFO With Neutral Recommendation
Zacks âĸ 2025-09-05T16:01:00Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $53,514,000 | $51,563,000 | $54,890,000 | $47,807,000 |
| Operating Revenue | $53,514,000 | $51,563,000 | $54,890,000 | $47,807,000 |
| Expenses | ||||
| Interest Expense | $12,041,000 | $13,901,000 | $11,056,000 | $3,195,000 |
| General And Administrative Expense | $16,337,000 | $14,320,000 | $13,595,000 | $12,285,000 |
| Professional Expense And Contract Services Expense | $1,643,000 | $5,265,000 | $4,366,000 | $4,058,000 |
| Other Non Interest Expense | $8,728,000 | $5,009,000 | $4,254,000 | $4,136,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $12,288,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Net Interest Income | $48,771,000 | $46,850,000 | $49,321,000 | $46,062,000 |
| Interest Income | $60,812,000 | $60,751,000 | $60,377,000 | $49,257,000 |
| Normalized Income | $12,784,083 | $14,775,003 | $19,796,000 | $15,693,110 |
| Net Income From Continuing And Discontinued Operation | $12,288,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Net Income Common Stockholders | $12,111,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Net Income | $12,288,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Net Income Including Noncontrolling Interests | $12,288,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Net Income Continuous Operations | $12,288,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Pretax Income | $16,695,000 | $20,320,000 | $27,476,000 | $22,059,000 |
| Special Income Charges | $-674,000 | $0 | - | - |
| Per Share | ||||
| Diluted EPS | - | $0.86 | $1.16 | $0.92 |
| Basic EPS | - | $0.86 | $1.16 | $0.92 |
| Other | ||||
| Tax Effect Of Unusual Items | $-177,917 | $3,003 | $0 | $-2,890 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-674,000 | $11,000 | $0 | $-10,000 |
| Total Unusual Items Excluding Goodwill | $-674,000 | $11,000 | $0 | $-10,000 |
| Reconciled Depreciation | $2,287,000 | $2,115,000 | $2,105,000 | $1,931,000 |
| Diluted NI Availto Com Stockholders | $12,111,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Otherunder Preferred Stock Dividend | $177,000 | $106,000 | - | - |
| Tax Provision | $4,407,000 | $5,537,000 | $7,680,000 | $6,373,000 |
| Restructuring And Mergern Acquisition | $674,000 | $0 | - | - |
| Gain On Sale Of Security | $391,000 | $-614,000 | $274,000 | $-2,932,000 |
| Selling General And Administration | $16,337,000 | $14,320,000 | $13,595,000 | $12,285,000 |
| Salaries And Wages | $16,337,000 | $14,320,000 | $13,595,000 | $12,285,000 |
| Occupancy And Equipment | $3,863,000 | $3,686,000 | $3,739,000 | $3,467,000 |
| Diluted Average Shares | - | $17,199,812 | $17,125,186 | $17,061,833 |
| Basic Average Shares | - | $17,188,424 | $17,114,214 | $17,040,241 |
| Other Gand A | - | - | - | $794,000 |
Fetched: 2026-04-01
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $135,195,000 | $125,874,000 | $118,054,000 | $107,975,000 |
| Total Assets | $1,248,313,000 | $1,211,718,000 | $1,211,045,000 | $1,299,193,000 |
| Goodwill And Other Intangible Assets | $4,488,000 | $4,488,000 | $4,488,000 | $4,488,000 |
| Receivables | $7,160,000 | $8,104,000 | $7,928,000 | $8,489,000 |
| Accounts Receivable | $7,160,000 | $8,104,000 | $7,928,000 | $8,489,000 |
| Cash And Cash Equivalents | $120,955,000 | $56,211,000 | $40,784,000 | $38,595,000 |
| Cash Cash Equivalents And Federal Funds Sold | $120,955,000 | $56,211,000 | $40,784,000 | $38,595,000 |
| Cash Financial | - | - | $40,577,000 | $31,650,000 |
| Debt | ||||
| Total Debt | $9,651,000 | $14,733,000 | $74,650,000 | $12,976,000 |
| Long Term Debt And Capital Lease Obligation | $9,651,000 | $14,733,000 | $12,650,000 | $12,976,000 |
| Long Term Debt | $6,296,000 | $11,572,000 | $11,213,000 | $10,883,000 |
| Current Debt And Capital Lease Obligation | - | $0 | $62,000,000 | $0 |
| Current Debt | - | $0 | $62,000,000 | $0 |
| Other Current Borrowings | - | $0 | $62,000,000 | $0 |
| Net Debt | - | - | $32,429,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,108,630,000 | $1,081,356,000 | $1,088,503,000 | $1,186,730,000 |
| Equity | ||||
| Common Stock Equity | $139,683,000 | $130,362,000 | $122,542,000 | $112,463,000 |
| Total Equity Gross Minority Interest | $139,683,000 | $130,362,000 | $122,542,000 | $112,463,000 |
| Stockholders Equity | $139,683,000 | $130,362,000 | $122,542,000 | $112,463,000 |
| Gains Losses Not Affecting Retained Earnings | $-9,877,000 | $-14,352,000 | $-15,038,000 | $-17,495,000 |
| Other Equity Adjustments | $-9,877,000 | $-14,352,000 | $-15,038,000 | $-17,495,000 |
| Retained Earnings | $87,324,000 | $83,447,000 | $76,995,000 | $69,928,000 |
| Long Term Equity Investment | $4,275,000 | $4,275,000 | $3,200,000 | $2,800,000 |
| Other | ||||
| Ordinary Shares Number | $17,582,116 | $17,364,894 | $17,167,895 | $17,067,253 |
| Share Issued | $17,582,116 | $17,364,894 | $17,167,895 | $17,067,253 |
| Tangible Book Value | $135,195,000 | $125,874,000 | $118,054,000 | $107,975,000 |
| Invested Capital | $145,979,000 | $141,934,000 | $195,755,000 | $123,346,000 |
| Capital Lease Obligations | $3,355,000 | $3,161,000 | $1,437,000 | $2,093,000 |
| Total Capitalization | $145,979,000 | $141,934,000 | $133,755,000 | $123,346,000 |
| Capital Stock | $62,236,000 | $61,267,000 | $60,585,000 | $60,030,000 |
| Common Stock | $62,236,000 | $61,267,000 | $60,585,000 | $60,030,000 |
| Long Term Capital Lease Obligation | $3,355,000 | $3,161,000 | $1,437,000 | $2,093,000 |
| Investments And Advances | $72,730,000 | $164,983,000 | $187,820,000 | $213,660,000 |
| Available For Sale Securities | $3,432,000 | $3,326,000 | $3,354,000 | $3,315,000 |
| Goodwill | $4,488,000 | $4,488,000 | $4,488,000 | $4,488,000 |
| Net PPE | $12,624,000 | $11,737,000 | $10,436,000 | $11,754,000 |
| Accumulated Depreciation | $-19,829,000 | $-20,878,000 | $-19,477,000 | $-18,510,000 |
| Gross PPE | $32,453,000 | $32,615,000 | $29,913,000 | $30,264,000 |
| Other Properties | $3,190,000 | $3,069,000 | $1,338,000 | $1,984,000 |
| Machinery Furniture Equipment | $9,984,000 | $11,392,000 | $11,105,000 | $11,024,000 |
| Buildings And Improvements | $18,311,000 | $17,186,000 | $16,502,000 | $16,288,000 |
| Land And Improvements | $968,000 | $968,000 | $968,000 | $968,000 |
| Other Short Term Investments | $65,023,000 | $157,382,000 | $181,266,000 | $207,545,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-04-01
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $19,775,000 | $18,596,000 | $20,589,000 | $21,560,000 |
| Operating Activities | ||||
| Operating Cash Flow | $22,056,000 | $19,635,000 | $21,376,000 | $23,700,000 |
| Cash Flow From Continuing Operating Activities | $22,056,000 | $19,635,000 | $21,376,000 | $23,700,000 |
| Operating Gains Losses | $-457,000 | $631,000 | $-313,000 | $2,942,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,281,000 | $-1,039,000 | $-787,000 | $-2,140,000 |
| Investing Cash Flow | $25,916,000 | $12,953,000 | $87,583,000 | $-174,233,000 |
| Cash Flow From Continuing Investing Activities | $25,916,000 | $12,953,000 | $87,583,000 | $-174,233,000 |
| Net Other Investing Changes | $-27,000 | $2,381,000 | $964,000 | $-2,434,000 |
| Capital Expenditure Reported | $-2,281,000 | $-1,039,000 | $-787,000 | $-2,140,000 |
| Financing Activities | ||||
| Financing Cash Flow | $16,772,000 | $-17,161,000 | $-106,770,000 | $-30,091,000 |
| Cash Flow From Continuing Financing Activities | $16,772,000 | $-17,161,000 | $-106,770,000 | $-30,091,000 |
| Cash Dividends Paid | $-8,385,000 | $-8,307,000 | $-7,870,000 | $-7,496,000 |
| Common Stock Dividend Paid | $-8,385,000 | $-8,307,000 | $-7,870,000 | $-7,496,000 |
| Other | ||||
| Repayment Of Debt | $-6,000,000 | $0 | - | - |
| Interest Paid Supplemental Data | $12,054,000 | $13,897,000 | $11,010,000 | $3,148,000 |
| Income Tax Paid Supplemental Data | $4,560,000 | $6,450,000 | $9,732,000 | $6,765,000 |
| End Cash Position | $120,955,000 | $56,211,000 | $40,784,000 | $38,595,000 |
| Beginning Cash Position | $56,211,000 | $40,784,000 | $38,595,000 | $219,219,000 |
| Changes In Cash | $64,744,000 | $15,427,000 | $2,189,000 | $-180,624,000 |
| Net Issuance Payments Of Debt | $-6,000,000 | $-62,000,000 | $62,000,000 | $0 |
| Net Short Term Debt Issuance | $0 | $-62,000,000 | $62,000,000 | $0 |
| Net Long Term Debt Issuance | $-6,000,000 | $0 | - | - |
| Long Term Debt Payments | $-6,000,000 | $0 | - | - |
| Net Investment Purchase And Sale | $24,883,000 | $23,145,000 | $29,321,000 | $-56,270,000 |
| Sale Of Investment | $24,883,000 | $24,220,000 | $29,721,000 | $25,812,000 |
| Purchase Of Investment | $0 | $-1,075,000 | $-400,000 | $-82,082,000 |
| Change In Working Capital | $1,983,000 | $280,000 | $-232,000 | $3,895,000 |
| Change In Other Current Assets | $835,000 | $-935,000 | $485,000 | $-1,168,000 |
| Change In Payables And Accrued Expense | $395,000 | $-364,000 | $772,000 | $261,000 |
| Change In Payable | $395,000 | $-364,000 | $772,000 | $261,000 |
| Change In Account Payable | $395,000 | $-364,000 | $772,000 | $261,000 |
| Change In Receivables | $434,000 | $1,096,000 | $-1,194,000 | $1,011,000 |
| Changes In Account Receivables | $944,000 | $-176,000 | $561,000 | $-959,000 |
| Other Non Cash Items | $-1,316,000 | $-1,774,000 | $-2,120,000 | $-1,166,000 |
| Stock Based Compensation | $969,000 | $692,000 | $478,000 | $366,000 |
| Asset Impairment Charge | $73,000 | $0 | - | $0 |
| Deferred Tax | $284,000 | $-472,000 | $-297,000 | $-2,362,000 |
| Deferred Income Tax | $284,000 | $-472,000 | $-297,000 | $-2,362,000 |
| Depreciation Amortization Depletion | $2,287,000 | $2,115,000 | $2,105,000 | $1,931,000 |
| Depreciation And Amortization | $2,287,000 | $2,115,000 | $2,105,000 | $1,931,000 |
| Depreciation | $2,287,000 | $2,115,000 | $2,105,000 | $1,931,000 |
| Gain Loss On Investment Securities | $-604,000 | $28,000 | $-39,000 | $399,000 |
| Net Income From Continuing Operations | $12,288,000 | $14,783,000 | $19,796,000 | $15,686,000 |
| Proceeds From Stock Option Exercised | - | $0 | $106,000 | $29,000 |
| Issuance Of Debt | - | - | $62,000,000 | $0 |
| Short Term Debt Issuance | - | - | $62,000,000 | $0 |
| Net Investment Properties Purchase And Sale | - | - | - | $0 |
| Purchase Of Investment Properties | - | - | - | $0 |
| Net PPE Purchase And Sale | - | - | - | $0 |
| Sale Of PPE | - | - | - | $0 |
| Unrealized Gain Loss On Investment Securities | - | - | - | $429,000 |
| Amortization Cash Flow | - | - | - | $0 |
| Amortization Of Intangibles | - | - | - | $0 |
| Gain Loss On Sale Of PPE | - | - | - | $10,000 |
Fetched: 2026-04-01