UBFO

$10.14

Market ClosedAs of Mar 17, 8:00 PM UTC

United Security Bancshares operates as the bank holding company for United Security Bank that provides a range of commercial banking services in the United States.

Historical Price

Price (Line)
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Peer Comparison

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Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$10.14
Potential Upside
34.9%
Whystock Fair Value$13.68
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks - Regional

United Security Bancshares operates as the bank holding company for United Security Bank that provides a range of commercial banking services in the United States. The company offers deposit instruments, including personal and business checking accou...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$178.28M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
14.70
Beta
Defensive asset. Lower volatility than the S&P 500.
0.30
Div Yield
Strong income play. Yield provides a meaningful total return floor.
468.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
9.10%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
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Recent News

Zacks
Jan 28, 2026

UBFO's Q4 Earnings Rise Y/Y on Margin Expansion, Cost Cuts

United Security Bancshares posts a 35.7% year over year in Q4 EPS, driven by stronger net interest margin and reduced funding costs, even as noninterest expenses rose due to merger-related spending.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Retail Banker International
Dec 18, 2025

Community West Bancshares, United Security Bancshares to merge in $191.9m deal

This merger will combine United Security Bank’s branches with Community West Bank’s existing banking centres in California.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
MT Newswires
Dec 17, 2025

Community West Bancshares, United Security Bancshares to Merge in All-Stock Deal Valued at $191.9 Million

Community West Bancshares (CWBC) and United Security Bancshares (UBFO) said Wednesday they have agre

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Nov 17, 2025

The Zacks Analyst Blog Highlights SAP SE, Prologis, The Bank of New York Mellon and United Security Bancshares

New Zacks research spotlights SAP's cloud momentum alongside updates on Prologis, Bank of New York Mellon and United Security Bancshares.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Nov 14, 2025

Top Stock Reports for SAP, Prologis & Bank of New York Mellon

SAP gains momentum as cloud ERP growth, strong pipelines and AI-driven solutions anchor its latest featured research report.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.