Positive News SentimentPositive NewsNASDAQ:UBFO United Security Bancshares (UBFO) Stock Price, News & Analysis $9.43 -0.10 (-1.00%) As of 12:34 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. 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$9.45▼$9.6050-Day Range$8.28▼$9.5252-Week Range$7.32▼$10.49Volume3,543 shsAverage Volume37,516 shsMarket Capitalization$164.71 millionP/E Ratio14.28Dividend Yield5.09%Price TargetN/AConsensus RatingN/A Company Overview United 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™ Stocks69th Percentile Overall ScoreUBFO MarketRank™: United Security Bancshares scored higher than 69% of companies evaluated by MarketBeat, and ranked 454th out of 936 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 14.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 269.55.Price to Earnings Ratio vs. SectorThe P/E ratio of United Security Bancshares is 14.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 228.20.Price to Book Value per Share RatioUnited Security Bancshares has a P/B Ratio of 1.23. 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 Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.94% 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 4.8.Change versus previous monthShort interest in United Security Bancshares has recently decreased by 13.99%, 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 5.04%, 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 72.73%. 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 Shorted1.94% 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 4.8.Change versus previous monthShort interest in United Security Bancshares has recently decreased by 13.99%, indicating that investor sentiment is improving significantly. News and Social Media2.7 / 5News SentimentN/A News SentimentUnited Security Bancshares has a news sentiment score of 1.93. 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 1.07 average news sentiment score of Finance companies. 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 $465,489.00 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. 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UBFO Stock News HeadlinesJagroop Gill Purchases 55,814 Shares of United Security Bancshares (NASDAQ:UBFO) StockAugust 8, 2025 | insidertrades.comSierra Bancorp (NASDAQ:BSRR) vs. United Security Bancshares (NASDAQ:UBFO) Head-To-Head ContrastAugust 24, 2025 | americanbankingnews.comHow “Trump’s New Dollar” Could Impact Your WealthPresident Trump just signed a game-changing law… That could soon upgrade the U.S. dollar in your checking and savings account… With this better, more technologically advanced dollar. President Trump himself called it a "big innovation"… And said that this new form of currency represents "American brilliance at its best."September 3 at 2:00 AM | Brownstone Research (Ad)Independent Vice Chairman of the Board of United Security Bancshares Picks Up 4.5% More StockAugust 10, 2025 | finance.yahoo.comUnited Security Bancshares Reports Second Quarter 2025 EarningsJuly 18, 2025 | finance.yahoo.comUnited Security Bancshares Reports Q2 2025 EarningsJuly 17, 2025 | tipranks.comUBFO United Security Bancshares - Seeking AlphaJuly 2, 2025 | seekingalpha.comUnited Security Bancshares Insiders Placed Bullish Bets Worth US$1.19mJuly 1, 2025 | finance.yahoo.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 stock has decreased by 6.7% and is now trading at $9.4250. How were United Security Bancshares' earnings last quarter? United Security Bancshares (NASDAQ:UBFO) posted its quarterly earnings data on Thursday, July, 17th. The financial services provider reported $0.13 EPS for the quarter. The financial services provider earned $12.62 million during the quarter. United Security Bancshares had a net margin of 17.07% and a trailing twelve-month return on equity of 8.43%. Who are United Security Bancshares' major shareholders? Top institutional shareholders of United Security Bancshares include Bridgewealth Advisory Group LLC (6.97%), Fourthstone LLC (2.85%), Geode Capital Management LLC (1.87%) and Bridgeway Capital Management LLC (0.82%). Insiders that own company stock include Jagroop Gill, Dennis R Woods, G Thompson Ellithorpe, William M Yarbenet, Robert C Oberg Jr, Brian Tkacz, Benjamin Mackovak, Heather Hammack and Thomas G Walker. View institutional ownership trends. 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 7/22 Dividend7/07/2025Ex-Dividend for 7/22 Dividend7/07/2025Last Earnings7/17/2025Dividend Payable7/22/2025Today9/02/2025Next Earnings (Estimated)10/17/2025Fiscal 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 Founded1987Profitability EPS (Trailing Twelve Months)$0.66 Trailing P/E Ratio14.42 Forward P/E RatioN/A P/E GrowthN/ANet Income$14.78 million Net Margins17.07% Pretax Margin23.21% Return on Equity8.43% Return on Assets0.92% Debt Debt-to-Equity Ratio0.09 Current Ratio0.94 Quick Ratio0.94 Sales & Book Value Annual Sales$65.46 million Price / Sales2.54 Cash Flow$1.00 per share Price / Cash Flow9.52 Book Value$7.68 per share Price / Book1.24Miscellaneous Outstanding Shares17,480,000Free Float13,614,000Market Cap$166.41 million OptionableOptionable Beta0.42 Social Links Reduce the RiskMarket downturns give many investors pause, and for good reason. Wondering how to offset this risk? Enter your email address to learn more about using beta to protect your portfolio.Get This Free Report This page (NASDAQ:UBFO) was last updated on 9/3/2025 by MarketBeat.com Staff From Our PartnersForget Tesla — This Tiny AI Stock Is Musk’s Real PlayWhile Wall Street focused on Tesla’s earnings, Elon Musk was quietly building a supercomputer so powerful it c...Behind the Markets | SponsoredWarren Buffett Issues Cryptic Warning on U.S. DollarImagine a bull market so powerful, every single investor became a millionaire. Not by finding the next NVIDIA ...Banyan Hill Publishing | SponsoredThe day and month stocks are most likely to crash nextGood News for Stocks 50-year Wall Street veteran, Marc Chaikin is stepping forward to share why history giv...Chaikin Analytics | SponsoredMan Who Called Nvidia at $1.10 Says Buy This Now...In 2004, one man called Nvidia before just about anyone knew it existed. 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