UBFO
United Security Bancshares
NASDAQ: UBFO · FINANCIAL SERVICES · BANKS - REGIONAL
$10.51
+0.00% today
Updated 2026-04-30
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
0.0M
United Security Bancshares (UBFO) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $56.39M | $66.82M | $53.49M | $41.98M | $38.43M | $32.65M | $31.37M | $27.46M | $30.08M | $32.21M | $33.99M | $37.16M | $41.16M | $46.98M | $39.67M | $41.03M | $51.00M | $65.95M | $65.46M | $65.90M |
| Revenue growth (YoY) | — | +18.5% | -19.9% | -21.5% | -8.5% | -15.0% | -3.9% | -12.5% | +9.6% | +7.1% | +5.5% | +9.4% | +10.7% | +14.1% | -15.6% | +3.4% | +24.3% | +29.3% | -0.7% | +0.7% |
| Cost of revenue | $15.05M | $26.27M | $24.46M | $20.70M | $17.06M | $16.57M | $3.08M | $513000.00 | $500000.00 | $1.24M | $1.39M | $1.75M | $939000.00 | $3.91M | $5.06M | $4.19M | $5.00M | $12.52M | $16.86M | $17.61M |
| Gross profit | $41.33M | $40.55M | $29.03M | $21.28M | $21.36M | $16.09M | $28.29M | $26.95M | $29.58M | $30.97M | $32.60M | $35.41M | $40.22M | $43.07M | $34.61M | $36.84M | $46.01M | $53.43M | $48.60M | $48.28M |
| Gross margin | 73.3% | 60.7% | 54.3% | 50.7% | 55.6% | 49.3% | 90.2% | 98.1% | 98.3% | 96.2% | 95.9% | 95.3% | 97.7% | 91.7% | 87.2% | 89.8% | 90.2% | 81.0% | 74.2% | 73.3% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $9.91M | $11.52M | $12.11M | $10.47M | $12.13M | $11.51M | $10.82M | $10.78M | $10.96M | $11.28M | $11.83M | $11.62M | $12.79M | $12.06M | $11.69M | $12.10M | $12.29M | $13.60M | $14.32M | $19.42M |
| Operating income | $21.39M | $17.82M | $5.67M | $-6.69M | $-7.66M | $-12.53M | $7.60M | $7.37M | $10.41M | $11.31M | $12.25M | $15.79M | $19.37M | $21.27M | $12.41M | $13.31M | $22.06M | $27.48M | $20.32M | $16.70M |
| Operating margin | 37.9% | 26.7% | 10.6% | -15.9% | -19.9% | -38.4% | 24.2% | 26.9% | 34.6% | 35.1% | 36.1% | 42.5% | 47.1% | 45.3% | 31.3% | 32.5% | 43.3% | 41.7% | 31.0% | 25.3% |
| EBITDA | $23.05M | $20.47M | $8.43M | $-4.29M | $-5.40M | $-10.76M | $9.45M | $8.66M | $11.86M | $12.77M | $13.68M | $17.01M | $20.70M | $22.67M | $13.22M | $14.46M | $23.99M | $29.58M | $22.43M | $16.70M |
| EBITDA margin | 40.9% | 30.6% | 15.8% | -10.2% | -14.0% | -33.0% | 30.1% | 31.5% | 39.4% | 39.6% | 40.3% | 45.8% | 50.3% | 48.3% | 33.3% | 35.2% | 47.0% | 44.9% | 34.3% | 25.3% |
| EBIT | $21.39M | $17.82M | $5.67M | $-6.69M | $-7.66M | $-12.53M | $7.60M | $7.37M | $10.41M | $11.31M | $12.25M | $15.68M | $19.35M | $21.27M | $12.41M | $13.31M | $22.06M | $27.48M | $20.32M | — |
| Interest expense | $14.18M | $20.57M | $14.94M | $7.33M | $4.59M | $2.96M | $2.06M | $1.61M | $1.34M | $1.28M | $1.41M | $1.73M | $2.70M | $3.89M | $2.29M | $2.08M | $3.19M | $11.06M | $13.90M | $12.04M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $13.36M | $11.26M | $4.07M | $-4.54M | $-4.44M | $-10.81M | $6.07M | $7.27M | $6.22M | $6.81M | $7.38M | $8.64M | $14.02M | $15.17M | $8.96M | $10.10M | $15.69M | $19.80M | $14.78M | $12.29M |
| Net income growth (YoY) | — | -15.7% | -63.8% | -211.5% | +2.2% | -143.6% | +156.1% | +19.8% | -14.5% | +9.6% | +8.4% | +17.0% | +62.2% | +8.2% | -40.9% | +12.7% | +55.3% | +26.2% | -25.3% | -16.9% |
| Profit margin | 23.7% | 16.8% | 7.6% | -10.8% | -11.6% | -33.1% | 19.3% | 26.5% | 20.7% | 21.1% | 21.7% | 23.2% | 34.1% | 32.3% | 22.6% | 24.6% | 30.8% | 30.0% | 22.6% | 18.6% |