Companies ›Financials ›UBFO.O

UBFO.O — NASDAQ Banks

United Security Bancshares

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Mcap

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P/E

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EV / Rev

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Div yield

4,57 %

Op margin

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ROE

10,6 %

Net margin

31,6 %

Debt / equity

0,05

Beta

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52w range

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Volume

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Day range

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Prev close

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Open

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Next earnings

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Ex-dividend

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TR 1Y

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About

United Security Bancshares operates as a bank holding company providing financial services, generating revenue primarily through interest income and fees from its banking activities.

Business. United Security Bancshares (UBFO.O) is a bank holding company operating within the financials sector, primarily engaged in banking activities. The company is listed on the NASDAQ stock exchange. Specific details regarding its operating segments, headquarters location, and geographic mix are not provided in the available data.

Classification85 %

SectorFinancials

Industry groupBanks

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts

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not yet wired

Ownership→

Dimensional Fund Advisors, L.P.

largest disclosed fund holder

Profitability→

10,6 %

return on equity

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning UBFO.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to UBFO.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

United Security Bancshares (UBFO.O) is a bank holding company operating within the financials sector, primarily engaged in banking activities. The company is listed on the NASDAQ stock exchange. Specific details regarding its operating segments, headquarters location, and geographic mix are not provided in the available data.

Classification85 %

SectorFinancials

Industry groupBanks

AI synthesis

GENERATED

— missing data

Key takeaways

Low leverage with a debt-to-equity ratio of 0.05 and minimal long-term debt of $6.3 million.
Positive profitability with 10.58% ROE and $12.3 million net income on $48.8 million revenue.
Low dilution risk evidenced by identical basic and diluted share counts of 17.3 million.
Medium liquidity risk flagged, with negative net cash after debt subtraction typical for banking models.
ESG performance is weak with a D+ grade and low scores in environment and social pillars.

Bull / Bear case

Generated · model-assisted

BULL CASE · 4

The company maintains a conservative 0.05 debt-to-equity ratio, well below the 0.28 median for comparable banks.

Total assets grew 2.4% year-over-year to $1.33 billion, demonstrating continued balance sheet expansion despite revenue headwinds.

Equity increased 6.9% year-over-year, indicating retained earnings are strengthening the capital base effectively.

Dilution risk is assessed as low, suggesting minimal threat to existing shareholder value from share issuance.

BEAR CASE · 2

The four-year revenue CAGR of -7.5% indicates a persistent long-term decline in business scale.

Liquidity risk is flagged as medium, suggesting potential challenges in meeting short-term financial obligations.

In focus — financials by report

Valuation FY

Market price

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Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

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EV / Revenueⓘ

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EV / Op incomeⓘ

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EV / OCFⓘ

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P / Bⓘ

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P / Tangible bookⓘ

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Tangible book

$139.7M

Net cashⓘ

-$6.3M

Current ratioⓘ

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Debt / equityⓘ

0.1

ROAⓘ

1.2%

ROEⓘ

10.6%

Cash conversionⓘ

112.0%

CapEx / revenueⓘ

-2.7%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

— missing data

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

Net Margin31,6 %Below median

ROE10,6 %Above median

Capex / Rev-2,7 %Above median

D/E0,05Above median

Cash Conv1,12Below median

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data
Reference data

How metrics are computed

Return On Equity
net_income / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income
Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Return On Assets
net_income / total_assets
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Capex To Revenue
capital_expenditure / revenue

Source documents

United Security Bancshares Market data — financials · 2026-07-26
United Security Bancshares Market data — ESG · 2026-07-26

Ownership & reference

Top holders

Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,00 %$10M
American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$1M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$1M
Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$3M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$1M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$8M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$1M
Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$0M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$0M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$2M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$1M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$1M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$0M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$0M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M
FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M

Insider activity

— missing data

Short positioning

128.0Kshares short+12.6% vs prior

2.08days to cover

16fails-to-deliver

as of 2026-03-31 · short-interest report (free)

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

UBFO.OCanonical

NASDAQ · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

— missing data

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread