NASDAQ:UBFO United Security Bancshares (UBFO) Stock Price, News & Analysis $8.65 +0.06 (+0.70%) As of 04:00 PM Eastern Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock About United Security Bancshares Stock (NASDAQ:UBFO) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get UBFO alerts:Sign Up Key Stats Today's Range$8.49▼$8.7150-Day Range$8.01▼$9.3452-Week Range$7.07▼$10.49Volume86,460 shsAverage Volume34,819 shsMarket Capitalization$151.20 millionP/E Ratio11.01Dividend Yield5.55%Price TargetN/AConsensus RatingN/A Company OverviewUnited Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, and foreign draft services, as well as interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.Read More… United Security Bancshares Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks77th Percentile Overall ScoreUBFO MarketRank™: United Security Bancshares scored higher than 77% of companies evaluated by MarketBeat, and ranked 345th out of 938 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for United Security Bancshares. Earnings and Valuation1.3 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of United Security Bancshares is 11.09, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.90.Price to Earnings Ratio vs. SectorThe P/E ratio of United Security Bancshares is 11.09, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.80.Price to Book Value per Share RatioUnited Security Bancshares has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about United Security Bancshares' valuation and earnings. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.44% of the float of United Security Bancshares has been sold short.Short Interest Ratio / Days to CoverUnited Security Bancshares has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in United Security Bancshares has recently decreased by 11.13%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend LeadershipUnited Security Bancshares is a leading dividend payer. It pays a dividend yield of 5.59%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthUnited Security Bancshares has only been increasing its dividend for 2 years.Dividend CoverageThe dividend payout ratio of United Security Bancshares is 61.54%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about United Security Bancshares' dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.44% of the float of United Security Bancshares has been sold short.Short Interest Ratio / Days to CoverUnited Security Bancshares has a short interest ratio ("days to cover") of 2, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in United Security Bancshares has recently decreased by 11.13%, indicating that investor sentiment is improving significantly. News and Social Media3.0 / 5News Sentiment1.48 News SentimentUnited Security Bancshares has a news sentiment score of 1.48. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.87 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 7 news articles for United Security Bancshares this week, compared to 1 article on an average week. Company Ownership3.3 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, United Security Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $19,081.00 in company stock and sold $0.00 in company stock.Percentage Held by Insiders22.10% of the stock of United Security Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by InstitutionsOnly 30.88% of the stock of United Security Bancshares is held by institutions.Read more about United Security Bancshares' insider trading history. Receive UBFO Stock News and Ratings via Email Sign-up to receive the latest news and ratings for United Security Bancshares and its competitors with MarketBeat's FREE daily newsletter. Email Address UBFO Stock News HeadlinesUnited Security Bancshares (NASDAQ:UBFO) Director Acquires $19,080.71 in StockMay 30, 2025 | insidertrades.comUnited Security Bancshares Declares Cash DividendJune 26, 2025 | tipranks.comHow high will gold surge? Weiss Gold Veteran Makes Shocking New Call Weiss expert Sean Brodrick went out on a limb last year and declared a historic event would send the yellow metal to $3,150. People laughed at him at the time, but he was off by just two days. Now, Sean has a shocking new prediction for gold … and reveals a little-known way to get ahead of this bull market.June 30 at 2:00 AM | Weiss Ratings (Ad)United Security Bancshares Declares Quarterly Cash Dividend | UBFO Stock NewsJune 25, 2025 | gurufocus.comUnited Security Bancshares declares $0.12 dividendJune 25, 2025 | seekingalpha.comunited security bancshares appoints new auditor after mergerJune 6, 2025 | investing.comDirector Makes Bold Move with United Security Bancshares Stock PurchaseMay 29, 2025 | tipranks.comUnited Security Bancshares reports annual meeting outcomesMay 24, 2025 | investing.comSee More Headlines UBFO Stock Analysis - Frequently Asked Questions How have UBFO shares performed this year? United Security Bancshares' stock was trading at $10.10 on January 1st, 2025. Since then, UBFO shares have decreased by 14.4% and is now trading at $8.65. View the best growth stocks for 2025 here. How were United Security Bancshares' earnings last quarter? United Security Bancshares (NASDAQ:UBFO) released its earnings results on Thursday, April, 17th. The financial services provider reported $0.16 earnings per share (EPS) for the quarter. The financial services provider had revenue of $13.66 million for the quarter. United Security Bancshares had a trailing twelve-month return on equity of 10.17% and a net margin of 20.10%. How do I buy shares of United Security Bancshares? Shares of UBFO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of United Security Bancshares own? Based on aggregate information from My MarketBeat watchlists, some other companies that United Security Bancshares investors own include NVIDIA (NVDA), Broadcom (AVGO), Jabil (JBL), Arista Networks (ANET), e.l.f. Beauty (ELF), Disc Medicine (IRON) and Adobe (ADBE). Company Calendar Record date for 4/22 Dividend4/07/2025Ex-Dividend for 4/22 Dividend4/07/2025Last Earnings4/17/2025Dividend Payable4/22/2025Today6/30/2025Record date for 7/22 Dividend7/07/2025Ex-Dividend for 7/22 Dividend7/07/2025Next Earnings (Estimated)7/17/2025Dividend Payable7/22/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - WEST Sub-IndustryBanking Current SymbolNASDAQ:UBFO CIK1137547 Webwww.unitedsecuritybank.com Phone(559) 248-4943Fax559-248-5088Employees120Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$0.78 Trailing P/E Ratio11.00 Forward P/E RatioN/A P/E GrowthN/ANet Income$14.78 million Net Margins20.10% Pretax Margin27.53% Return on Equity10.17% Return on Assets1.09% Debt Debt-to-Equity Ratio0.09 Current Ratio0.92 Quick Ratio0.92 Sales & Book Value Annual Sales$65.46 million Price / Sales2.29 Cash Flow$1.00 per share Price / Cash Flow8.59 Book Value$7.53 per share Price / Book1.14Miscellaneous Outstanding Shares17,480,000Free Float13,614,000Market Cap$149.89 million OptionableOptionable Beta0.37 Social Links Beginner's Guide To Retirement StocksEnter your email address and we'll send you MarketBeat's list of seven best retirement stocks and why they should be in your portfolio. Get This Free Report This page (NASDAQ:UBFO) was last updated on 6/30/2025 by MarketBeat.com Staff From Our PartnersAI Meltdown Imminent: Dump These Stocks Now!If you have any money in the markets, especially in AI stocks… Please click here to see Elon Musk’s new inv...Paradigm Press | SponsoredThis Crypto Is Set to Explode in JanuaryFree summit: How to profit from the Coinbase-Deribit deal Our hedge fund experts know exactly what this mea...Crypto 101 Media | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredWhite House to reset Social Security?Elon Musk's parting DOGE gift looks set to shock America... 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