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United Security Bancshares  (NASDAQ: UBFO)
    Sector • Financial    Industry • Commercial Banks
   Industry • Commercial Banks
   Sector • Financial

United Security Bancshares

UBFO's Fundamental analysis



Looking into United Security Bancshares growth rates, revenue grew by 0.53 % in the third quarter of 2025 from the same quarter a year ago. Ranking at No. 1897

Commercial Banks industry recorded growth of revenues by 12.96 %

United Security Bancshares's net profit decreased by -6.38 % in third quarter of 2025 year on year, to $4 millions.

• More on UBFO's Growth


United Security Bancshares
current PE on trailing twelve month basis is below Commercial Banks industry average.

Company is currently trading with Price to Cash flow multiple of 8.79 in trailing twelve-month period.
Company
13.39
PE TTM   
Industry
18.4
PE TTM    
Company's Price to Sales ratio is at 3.65.
Commercial Banks industry's Price to Sales ratio is at 3.65.


• More on UBFO's Valuation
 
 Total Debt (Millions $) 9
 Dividend TTM ($) 0.48 $
 Dividend Yield TTM (%) 4.84 %
 Revenue/Employee (TTM) $ 416,535
 Net Income/Employee (TTM) $ 111,430
 Receivable Turnover (TTM) -
 Tangible Book Value (Per Share $) 7.60

United Security Bancshares
current PE on trailing twelve month basis is below Commercial Banks industry average.

Company is currently trading with Price to Cash flow multiple of 8.79 in trailing twelve-month period.
Company
13.39
PE TTM   
Industry
18.4
PE TTM    
Company's Price to Sales ratio is at 3.65.
Commercial Banks industry's Price to Sales ratio is at 3.65.

United Security Bancshares Price to Book Ratio is at 1.26 lower than Industry Avg. of 462.78. and higher than S&P 500 Avg. of 0.02

• More on UBFO's Valuation

•  Market Capitalization (Millions $) 173
•  Shares Outstanding (Millions) 17
•  Employees 114
•  Revenues (TTM) (Millions $) 47
•  Net Income (TTM) (Millions $) 13
•  Cash Flow (TTM) (Millions $) 20
•  Capital Exp. (TTM) (Millions $) -2
•  Total Debt (Millions $) 9
•  Dividend TTM ($) 0.48 $
•  Dividend Yield TTM (%) 4.84 %
•  Revenue/Employee (TTM) $ 416,535
•  Net Income/Employee(TTM) $ 111,430
•  Receivable Turnover Ratio (TTM) -
•  Tangible Book Value (Per Share $) 7.60

•  Market Capitalization (Millions $) 173
•  Shares Outstanding (Millions) 17
•  Employees 114
•  Revenues (TTM) (Millions $) 47
•  Net Income (TTM) (Millions $) 13
•  Cash Flow (TTM) (Millions $) 20
•  Capital Exp. (TTM) (Millions $) -2


    UBFO's Profitability Comparisons
United Security Bancshares achieved increase in profitability, due to increase in demand and cost control. Operating Margin grew in third quarter of 2025 to 43.2 % from 28.1 % in II. Quarter.

United Security Bancshares net profit margin of 30.74 % is currently ranking no. 41 in Commercial Banks industry, ranking no. 262 in Financial sector and number 448 in S&P 500.


Profitability by Segment
Total 30.74 %



  Ratio
•   Capital Ratio (MRQ) 1.07
•  Total Debt to Equity (MRQ) 0.07
•  Tangible Leverage Ratio (MRQ) 16.44
•  Asset Turnover Ratio (TTM) 0.04
•  Inventory Turnover Ratio (TTM) -



United Security Bancshares achieved increase in profitability, due to increase in demand and cost control. Operating Margin grew in third quarter of 2025 to 43.2 % from 28.1 % in II. Quarter.

United Security Bancshares net profit margin of 30.74 % is currently ranking no. 41 in Commercial Banks industry, ranking no. 262 in Financial sector and number 448 in S&P 500.

• More on UBFO's Key Ratios





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