UBFO
United Security Bancshares
NASDAQ: UBFO · FINANCIAL SERVICES · BANKS - REGIONAL
$10.51
+0.00% today
Updated 2026-06-05
Market cap
$185.03M
P/E ratio
15.01
P/S ratio
3.83x
EPS (TTM)
$0.70
Dividend yield
4.57%
52W range
$8 – $12
Volume
0.1M
WallStSmart proprietary scores
63
out of 100
Grade: C+
Hold
Investment rating
8.0
Growth
A5.3
Quality
C+7.5
Profitability
B+6.0
Valuation
B3/9
Piotroski F-Score
Weak
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
—
-100.00%
12-Month target
$9.73
-7.42%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Profit margin 25.50% — above average
+ Free cash flow $2.63M — positive
+ Revenue growth 15.80% QoQ
+ Debt/equity 0.09x — low leverage
Risks
- Piotroski 3/9 — weak financial health
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $51.00M | $65.95M | $65.46M | $65.90M | $48.28M |
| Net income | $15.69M | $19.80M | $14.78M | $12.29M | $3.41M |
| EPS | — | — | — | — | $0.70 |
| Free cash flow | $21.56M | $20.59M | $18.60M | $19.77M | $2.63M |
| Profit margin | 30.76% | 30.02% | 22.58% | 18.65% | 25.50% |
Peer comparison
Smart narrative
United Security Bancshares trades at $10.51. representing a P/E of 15.01x trailing earnings. Our Smart Value Score of 63/100 indicates the stock is good. The company scores 3/9 on the Piotroski F-Score. TTM revenue stands at $48.28M. with profit margins at 25.50%.
Frequently asked questions
What is United Security Bancshares's stock price?
United Security Bancshares (UBFO) trades at $10.51, on a P/E of 15.0x and a P/S of 3.8x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is United Security Bancshares overvalued?
United Security Bancshares carries a Smart Value Score of 63/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is United Security Bancshares's revenue?
United Security Bancshares's trailing twelve-month revenue is $48.28M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.83x
ROE8.80%
Beta0.29
50D MA$10.60
200D MA$9.71
Shares out0.02B
Float0.01B
Short ratio—
Avg volume0.1M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—