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United Security Bancshares

UBFO
9.480USD
-0.050-0.52%
Close 11/06, 16:00ETQuotes delayed by 15 min
165.67MMarket Cap
14.82P/E TTM

United Security Bancshares

9.480
-0.050-0.52%
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison
TradingKey Stock Score
Overall Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Peer Comparison

TradingKey Stock Score of United Security Bancshares

Currency: USD Updated: 2025-11-06

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. The company is performing well in the stock market, with strong fundamentals and technicals supporting the current trend. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

United Security Bancshares's Score

Industry at a Glance

Industry Ranking
195 / 407
Overall Ranking
315 / 4615
Industry
Banking Services

Support & Resistance

No Data

Score Analysis

Current score
Previous score

Analyst Rating

Based on 0 analysts
--
Current Rating
--
Target Price
--
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

United Security Bancshares Highlights

StrengthsRisks
United Security Bancshares is the holding company for United Security Bank (the Bank). The Bank offers a full range of commercial banking services primarily to the business and professional community and individuals, including a variety of deposit instruments including personal and business checking accounts and savings accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, money market accounts, and time certificates of deposit. The Bank also offers a full complement of lending products, including real estate loans, real estate construction loans, commercial and industrial loans, agricultural loans, and installment loans. The Bank's services include online banking, mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's checks, and cash management services. The Bank operates approximately 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft.
Growing
The company is in a growing phase, with the latest annual income totaling USD 50.32M.
High Dividend
The company is a high dividend payer, with the latest dividend payout ratio of 56.36%.
Stable Dividend
The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 56.36%.
Overvalued
The company’s latest PB is 1.23, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 6.33M shares, decreasing 5.36% quarter-over-quarter.
Held by James Simons
Star Investor James Simons holds 92.05K shares of this stock.
Lower Market Activity
The company has less investor interest, with a 20-day turnover ratio of -0.15.

Financial Health

Currency: USD Updated: 2025-11-06

The company's current financial score is 8.63, which is higher than the Banking Services industry's average of 7.05. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 12.72M, representing a year-over-year increase of 2.80%, while its net profit experienced a year-over-year increase of 49.52%.

Score

Industry at a Glance

Previous score
8.63
Change
0

Financials

8.37

Key Metrics

Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
No Data

Quality of Earnings

10.00

Operational Efficiency

10.00

Growth Potential

5.65

Shareholder Returns

9.13

United Security Bancshares's Company Valuation

Currency: USD Updated: 2025-11-06

The company’s current valuation score is 6.18, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 14.60, which is 3.80% below the recent high of 15.16 and 66.72% above the recent low of 4.86.

Score

Industry at a Glance

Previous score
6.18
Change
0

Valuation Dimensions

P/E
P/B
P/S
P/CF
Industry Ranking 195/407
No Data

Earnings Forecast

Currency: USD Updated: 2025-11-06

There is no earnings forecast score for this company; the Banking Services industry's average is 7.41.

Score

Industry at a Glance

Previous score
0.00
Change
0

Support & Resistance

No Data
No Data

Financial Forecasting

EPS
Revenue
Net Profit
EBIT
No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-06

The company’s current price momentum score is 9.15, which is higher than the Banking Services industry's average of 7.43. Sideways: Currently, the stock price is trading between the resistance level at 9.91 and the support level at 8.77, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
9.23
Change
-0.08

Support & Resistance

No Data

Indicators

The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators
Sell(1)
Neutral(3)
Buy(1)
Indicators
Value
Direction
MACD(12,26,9)
0.130
Neutral
RSI(14)
60.156
Neutral
STOCH(KDJ)(9,3,3)
76.182
Neutral
ATR(14)
0.302
Low Volatility
CCI(14)
177.629
Buy
Williams %R
13.084
Overbought
TRIX(12,20)
0.033
Sell
StochRSI(14)
81.286
Overbought
Moving Average
Sell(0)
Neutral(0)
Buy(6)
Indicators
Value
Direction
MA5
9.331
Buy
MA10
9.224
Buy
MA20
9.049
Buy
MA50
9.282
Buy
MA100
9.021
Buy
MA200
9.018
Buy

Institutional Confidence

Currency: USD Updated: 2025-11-06

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 36.07%, representing a quarter-over-quarter decrease of 35.82%. The largest institutional shareholder is The Vanguard, holding a total of 749.58K shares, representing 4.27% of shares outstanding, with 10.62% increase in holdings.

Score

Industry at a Glance

Previous score
3.00
Change
0

Institutional Shareholding

No Data

Shareholder Activity

Name
Shares Held
Chg %
Gill (Jagroop)
1.23M
+0.45%
Bridgewealth Advisory Group, LLC
1.22M
--
Woods (Dennis R)
1.17M
+2.82%
Dimensional Fund Advisors, L.P.
914.70K
+2.08%
The Vanguard Group, Inc.
Star Investors
749.58K
+11.85%
Cavalla (Stanley J)
678.38K
--
1st & Main Growth Partners
536.32K
-1.71%
Fourthstone LLC
497.50K
+53.66%
BlackRock Institutional Trust Company, N.A.
394.94K
+364.89%
Geode Capital Management, L.L.C.
327.07K
+119.54%
1
2

Risk Assessment

Currency: USD Updated: 2025-11-06

The company’s current risk assessment score is 4.35, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.33. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.

Score

Industry at a Glance

Previous score
4.35
Change
0
Beta vs S&P 500 index
0.33
VaR
+2.37%
240-Day Maximum Drawdown
+26.67%
240-Day Volatility
+33.50%

Return

Best Daily Return
60 days
+5.39%
120 days
+5.39%
5 years
+7.08%
Worst Daily Return
60 days
-3.80%
120 days
-4.31%
5 years
-7.61%
Sharpe Ratio
60 days
+0.87
120 days
+0.48
5 years
+0.59

Risk Assessment

Maximum Drawdown
240 days
+26.67%
3 years
+33.65%
5 years
+37.63%
Return-to-Drawdown Ratio
240 days
--
3 years
+0.34
5 years
+0.19
Skewness
240 days
+0.04
3 years
+0.18
5 years
+0.21

Volatility

Realised Volatility
240 days
+33.50%
5 years
+32.48%
Standardised True Range
240 days
+2.67%
5 years
+2.14%
Downside Risk-Adjusted Return
120 days
+90.44%
240 days
+90.44%
Maximum Daily Upside Volatility
60 days
+22.93%
Maximum Daily Downside Volatility
60 days
+19.53%

Liquidity

Average Turnover Rate
60 days
+0.31%
120 days
+0.24%
5 years
--
Turnover Deviation
20 days
-15.30%
60 days
+98.06%
120 days
+52.53%

Peer Comparison

Banking Services
United Security Bancshares
United Security Bancshares
UBFO
5.65 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AerCap Holdings NV
AER
8.89 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
East West Bancorp Inc
EWBC
8.84 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
Wintrust Financial Corp
WTFC
8.79 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
FNB Corp
FNB Corp
FNB
8.65 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
OneMain Holdings Inc
OneMain Holdings Inc
OMF
8.63 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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