United Security Bancshares (UBFO) Stock Price, News & Analysis

Company Overview

United Security Bancshares, Inc. is a bank holding company based in Vancouver, Washington, whose primary subsidiary, United Security Bank, delivers community banking services in the Pacific Northwest. The company engages in core banking activities, including accepting deposits, extending commercial and residential real estate loans, and offering consumer lending solutions tailored to local businesses and individuals.

Its product offerings include a variety of deposit accounts such as business checking, savings, money market accounts and certificates of deposit. On the lending side, United Security Bancshares provides commercial real estate financing, construction loans, residential mortgages and small business loans. The company also offers letters of credit, cash management and treasury services designed to help customers manage liquidity and streamline their financial operations.

With a network of branch offices primarily serving Clark and Skamania counties in Washington, United Security Bancshares emphasizes personalized customer relationships and local decision-making. The company leverages its community bank heritage to support regional economic growth, operating under the guidance of a board of directors and senior management team with extensive experience in Pacific Northwest banking.

Key Stats

• Today's Range: $10.51 to $10.51
• 50-Day Range: $9.99 to $10.51
• 52-Week Range: $7.32 to $11.52
• Volume: N/A
• Average Volume: 46,829 shs
• Market Capitalization: $181.36 million
• P/E Ratio: 14.80
• Dividend Yield: 4.57%
• Price Target: N/A
• Consensus Rating: Buy

United Security Bancshares Stock Analysis - MarketRank™

United Security Bancshares scored higher than 35% of companies evaluated by MarketBeat, and ranked 773rd out of 885 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Buy

Consensus Rating

United Security Bancshares has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

United Security Bancshares has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of United Security Bancshares is 14.80, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Security Bancshares is 14.80, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.54.

Price to Book Value per Share Ratio

United Security Bancshares has a P/B Ratio of 1.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for UBFO.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

United Security Bancshares is a leading dividend payer. It pays a dividend yield of 4.57%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

United Security Bancshares has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of United Security Bancshares is 67.61%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

United Security Bancshares has a news sentiment score of 1.32. 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 0.71 average news sentiment score of Finance companies.

Company Ownership

• Score: 1.1 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Security Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

22.10% 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 Institutions

30.88% of the stock of United Security Bancshares is held by institutions.

Company Calendar

• Last Earnings: 1/22/2026
• Today: 5/17/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:UBFO
• CIK: 1137547
• Web: www.unitedsecuritybank.com
• Phone: (559) 248-4943
• Fax: 559-248-5088
• Employees: 120
• Year Founded: 1987

Profitability

• EPS (Trailing Twelve Months): $0.71
• Trailing P/E Ratio: 14.80
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $12.29 million
• Net Margins: 18.65%
• Pretax Margin: 25.33%
• Return on Equity: 9.03%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 0.05
• Current Ratio: 0.94
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $53.51 million
• Price / Sales: 3.39
• Cash Flow: $0.85 per share
• Price / Cash Flow: 12.36
• Book Value: $7.95 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 17,256,000
• Free Float: 13,442,000
• Market Cap: $181.36 million
• Optionable: Optionable
• Beta: 0.34