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United Security Bancshares

UBFO
11.410USD
+0.080+0.71%
Close 02/06, 16:00ETQuotes delayed by 15 min
200.61MMarket Cap
16.01P/E TTM

United Security Bancshares

11.410
+0.080+0.71%
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: 2026-02-06

Key Insights

United Security Bancshares's fundamentals are relatively very healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 197 out of 397 in the Banking Services industry.Institutional ownership is very high.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.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
197 / 397
Overall Ranking
318 / 4521
Industry
Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score
Previous score

Media Coverage

Last 24 hours
Coverage Level

Very Low
Very High
Negative

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 offers a wide range of specialized services, such as online banking, mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier’s checks, interactive teller machine (ITM) services, and cash management services. In addition, the Bank offers internet banking services to its commercial and retail customers.
Growing
The company is in a growing phase, with the latest annual income totaling USD 52.29M.
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 1.44, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 6.28M shares, decreasing 15.19% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 756.25K shares of this stock.
Lower Market Activity
The company has less investor interest, with a 20-day turnover ratio of -0.15.

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.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of United Security Bancshares is 8.75, ranking 61 out of 397 in the Banking Services industry. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 13.10M, representing a year-over-year increase of 5.12%, while its net profit experienced a year-over-year increase of 36.78%.

Score

Industry at a Glance

Previous score
8.75
Change
0

Financials

8.63

Key Metrics

Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.

Quality of Earnings

10.00

Operational Efficiency

10.00

Growth Potential

6.54

Shareholder Returns

8.57

United Security Bancshares's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of United Security Bancshares is 6.18, ranking 368 out of 397 in the Banking Services industry. Its current P/E ratio is 16.01, which is 2.44% below the recent high of 16.40 and 69.64% 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 197/397
Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

No earnings forecast score is currently available for United Security Bancshares. The Banking Services industry's average is 7.33.

Score

Industry at a Glance

Previous score
0.00
Change
0

Support & Resistance

Relevant data have not been disclosed by the company yet.
No Data

Financial Forecasting

EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.

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: 2026-02-06

The current price momentum score of United Security Bancshares is 9.47, ranking 66 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 11.98 and the support level at 10.39, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
9.45
Change
0.02

Support & Resistance

Relevant data have not been disclosed by the company yet.

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(0)
Buy(3)
Indicators
Value
Direction
MACD(12,26,9)
0.171
Buy
RSI(14)
74.668
Buy
STOCH(KDJ)(9,3,3)
88.619
Overbought
ATR(14)
0.282
High Vlolatility
CCI(14)
132.402
Buy
Williams %R
8.209
Overbought
TRIX(12,20)
0.388
Sell
StochRSI(14)
100.000
Overbought
Moving Average
Sell(0)
Neutral(0)
Buy(6)
Indicators
Value
Direction
MA5
11.270
Buy
MA10
10.922
Buy
MA20
10.622
Buy
MA50
10.309
Buy
MA100
9.817
Buy
MA200
9.338
Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of United Security Bancshares is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 35.72%, representing a quarter-over-quarter decrease of 1.08%. The largest institutional shareholder is The Vanguard, holding a total of 756.25K shares, representing 4.30% of shares outstanding, with 12.16% increase in holdings.

Score

Industry at a Glance

Previous score
3.00
Change
0

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name
Shares Held
Chg %
Gill (Jagroop)
1.23M
+0.45%
Bridgewealth Advisory Group, LLC
1.22M
+0.00%
Woods (Dennis R)
1.17M
+2.82%
Dimensional Fund Advisors, L.P.
916.14K
+0.16%
The Vanguard Group, Inc.
Star Investors
753.23K
+0.49%
Cavalla (Stanley J)
679.72K
+0.20%
Fourthstone LLC
555.82K
+11.72%
1st & Main Growth Partners
536.32K
--
BlackRock Institutional Trust Company, N.A.
421.55K
+6.74%
Geode Capital Management, L.L.C.
328.22K
+0.35%
1
2

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of United Security Bancshares is 4.36, ranking 331 out of 397 in the Banking Services industry. The company's beta value is 0.31. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. with an industry-leading ESG disclosure.

Score

Industry at a Glance

Previous score
4.36
Change
0
Beta vs S&P 500 index
0.30
VaR
+2.33%
240-Day Maximum Drawdown
+22.62%
240-Day Volatility
+33.27%

Return

Best Daily Return
60 days
+4.31%
120 days
+5.39%
5 years
+7.08%
Worst Daily Return
60 days
-3.19%
120 days
-3.80%
5 years
-7.61%
Sharpe Ratio
60 days
+3.35
120 days
+2.11
5 years
+0.59

Risk Assessment

Maximum Drawdown
240 days
+22.62%
3 years
+26.67%
5 years
+36.48%
Return-to-Drawdown Ratio
240 days
+0.75
3 years
+1.03
5 years
+0.21
Skewness
240 days
+0.10
3 years
+0.22
5 years
+0.24

Volatility

Realised Volatility
240 days
+33.27%
5 years
+32.10%
Standardised True Range
240 days
+2.25%
5 years
+1.78%
Downside Risk-Adjusted Return
120 days
+397.11%
240 days
+397.11%
Maximum Daily Upside Volatility
60 days
+19.19%
Maximum Daily Downside Volatility
60 days
+12.92%

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
5.74 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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East West Bancorp Inc
EWBC
8.92 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
Citizens Financial Group Inc
CFG
8.81 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Shinhan Financial Group Co Ltd
Shinhan Financial Group Co Ltd
SHG
8.77 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
Wintrust Financial Corp
WTFC
8.73 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
GATX Corp
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8.68 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
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