United Security Bancshares

United Security Bancshares

UBFOยทNASDAQ

$10.51

+0.0000%
Financial ServicesBanks - Regional

United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.

At a Glance

Live Snapshot
Market Cap$185.03M
EPS0.7100
P/E Ratio14.13
Earnings Date04/16/2026
3Y-4.0%
5Y+14.0%
10Y+58.0%
3Y-7.0%
5Y+14.0%
10Y+60.0%
3Y+24.0%
5Y+19.0%
10Y+45.0%
ubfo

United Security Bancshares Funding & Solvency Profile

UBFO ยท NASDAQ
Cash & Cash Equivalents120.95M
Net Receivables7.16M
Inventory0.00
Other Current Assets0.00
Total Current Assets268 M
Property, Plant & Equipment12.62M
Goodwill & Intangible Assets4.49M
Long-Term Investments0.00
Other Non-Current Assets3.35M
Total Non-Current Assets16 M
Total Assets
1.25B

Financial Health Analysis

Current Ratio

0.64x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.94x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-153959000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

21% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

United Security Bancshares Balance Sheet

UBFO โ€ข NASDAQ

United Security Bancshares Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
121M
56.2M
40.8M
38.6M
219.2M
294.1M
219M
220.3M
107.9M
113M
127.3M
105.1M
136.7M
143.1M
126.4M
102.8M
21M
39.9M
28.2M
36.7M
139.8M
157.4M
181.3M
207.5M
178.9M
82.3M
76.3M
66.4M
42M
57.5M
30.9M
48.3M
43.6M
31.8M
38.5M
0.0
0.0
0.0
0.0
0.0
260.8M
213.6M
222.1M
246.1M
398.1M
376.4M
295.3M
286.8M
149.9M
171.2M
158.2M
153.4M
180.3M
175M
164.8M
102.8M
21M
39.9M
28.2M
36.7M
7.2M
8.1M
7.9M
8.5M
7.5M
8.2M
8.2M
8.3M
6.5M
3.9M
2.2M
1.9M
1.6M
1.7M
1.9M
2.2M
2.5M
2.4M
3.7M
4.2M
7.2M
8.1M
7.9M
8.5M
7.5M
8.2M
8.2M
8.3M
6.5M
3.9M
2.2M
1.9M
1.6M
1.7M
1.9M
2.2M
2.5M
2.4M
3.7M
4.2M
267.9M
221.7M
230M
254.6M
405.7M
384.6M
303.5M
295.1M
156.4M
175.1M
160.4M
155.3M
182M
176.7M
166.8M
105M
23.5M
42.3M
31.9M
40.9M
NON-CURRENT ASSETS
12.6M
11.7M
10.4M
11.8M
11.5M
12M
12.7M
9.8M
10.2M
10.4M
10.8M
11.6M
12.1M
12.3M
12.7M
12.9M
13.3M
14.3M
15.6M
15.3M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
6M
7.4M
10.4M
10.4M
750K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
62K
249K
553K
1.2M
2M
3M
4.6M
2.3M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.6M
4.7M
5M
7.2M
9.4M
13.4M
15M
3M
0.0
918.2M
909.6M
974.5M
865.9M
649.7M
592.4M
585M
598.5M
562.7M
506.6M
447.7M
388.6M
392.6M
398.6M
477.9M
566.4M
627.2M
678.1M
578.1M
12.1M
14.4M
14.1M
12.8M
3.6M
2.9M
3.2M
3.2M
2.4M
3.3M
5.2M
6.9M
11.6M
9.7M
11.5M
8.9M
7.5M
7.1M
4.3M
0.0
3.4M
41.1M
42.4M
41M
39.7M
39M
40.6M
35.5M
33.9M
32M
38.2M
37.3M
37.1M
52.9M
56.7M
66.4M
73.1M
56.7M
26.8M
41M
32.5M
990M
981.1M
1B
925.3M
708.1M
653.4M
638M
649.4M
612.9M
565.3M
507.8M
453.9M
472.2M
484.6M
573.2M
669.8M
718.8M
739.8M
637.4M
947.8M
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
1.2B
1.2B
1.2B
1.3B
1.3B
1.1B
956.9M
933.1M
805.8M
788M
725.6M
663.2M
635.9M
648.9M
651.3M
678.2M
692.6M
761.1M
771.7M
678.3M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
0.0
0.0
0.0
59K
57K
44K
76K
29K
40K
44K
71K
111K
4.8M
5M
6M
9M
2.5M
0.0
0.0
0.0
0.0
0.0
0.0
59K
57K
44K
76K
29K
40K
44K
71K
111K
4.8M
5M
6M
9M
2.5M
0.0
0.0
62M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
32M
40M
155M
32.3M
0.0
421.9M
1.1B
1B
1.2B
1.2B
952.7M
818.4M
805.6M
687.7M
676.6M
621.8M
565.4M
542.5M
563.3M
574.4M
557.5M
561.7M
508.5M
634.6M
587.1M
421.9M
1.1B
1.1B
1.2B
1.2B
952.7M
818.4M
805.7M
687.7M
676.7M
621.8M
565.4M
542.5M
563.4M
574.5M
594.3M
606.7M
669.5M
675.9M
589.6M
NON-CURRENT LIABILITIES
9.7M
11.6M
11.2M
10.9M
11.2M
10.9M
10.8M
10.2M
9.7M
8.8M
8.3M
10.1M
11.1M
10.1M
9M
10.6M
10.7M
11.9M
13.3M
15.5M
673.7M
9M
9.4M
8.3M
8.7M
8.3M
8.2M
8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.2M
686.7M
23.7M
22M
21.2M
22.6M
22.2M
22.5M
18.1M
16.7M
14.6M
14.2M
14.9M
16.9M
16.1M
14.6M
10.6M
10.7M
11.9M
13.3M
22.7M
3.4M
3.2M
1.4M
2.1M
2.7M
3M
3.5M
0.0
7M
5.8M
5.9M
4.8M
5.7M
6M
5.6M
0.0
0.0
0.0
0.0
0.0
1.1B
1.1B
1.1B
1.2B
1.2B
974.8M
840.9M
823.8M
704.5M
691.3M
636M
580.3M
559.4M
579.4M
589.2M
604.9M
616.7M
681.5M
689.3M
612.3M
SHAREHOLDERS' EQUITY
62.2M
61.3M
60.6M
60M
59.6M
59.4M
59M
58.6M
57.9M
56.6M
52.6M
49.3M
45.8M
43.2M
41.4M
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
41.4M
39.9M
37.6M
34.8M
32.6M
20.4M
87.3M
83.4M
77M
69.9M
61.7M
59.1M
57.6M
49.9M
44.2M
40.7M
37.3M
33.7M
30.9M
26.2M
21.4M
33.8M
40.5M
47.7M
50M
46.9M
-9.9M
-14.4M
-15M
-17.5M
-1.2M
-728K
-632K
674K
-710K
-604K
-202K
-175K
-119K
89K
-42.1M
-406K
-2.3M
-2.9M
-153K
-1.3M
139.7M
130.4M
122.5M
112.5M
120.2M
117.8M
116M
109.2M
101.4M
96.7M
89.6M
82.8M
76.5M
69.4M
62.2M
73.3M
75.8M
79.6M
82.4M
66M
139.7M
130.4M
122.5M
112.5M
120.2M
117.8M
116M
109.2M
101.4M
96.7M
89.6M
82.8M
76.5M
69.4M
62.2M
73.3M
75.8M
79.6M
82.4M
66M
SUMMARY
1.2B
1.2B
1.2B
1.3B
1.3B
1.1B
956.9M
933.1M
805.8M
788M
725.6M
663.2M
635.9M
648.9M
651.3M
678.2M
692.6M
761.1M
771.7M
678.3M
139.8M
1.1B
1.1B
1.2B
1B
732M
668.7M
651.4M
640.4M
620.2M
537.5M
496M
432.2M
424.4M
437.1M
477.9M
566.4M
627.2M
678.1M
578.1M
13M
14.7M
74.7M
13M
13.9M
13.9M
14.3M
10.2M
16.7M
14.6M
14.2M
14.9M
16.9M
16.1M
14.6M
42.6M
50.7M
167M
45.6M
15.5M
-107.9M
-41.5M
33.9M
-25.6M
-205.3M
-280.2M
-204.7M
-210.2M
-91.2M
-99.1M
-113.1M
-90.2M
-119.9M
-127.1M
-111.8M
-60.2M
29.8M
127.1M
17.4M
-21.2M
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400
17,476,400

SEC Filings

UBFO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

April 01, 2026
April 01, 2026
2026
8-K

8-K 2026

N/A

March 31, 2026
March 30, 2026
2026
10-K

10-K 2025 FY

FY

March 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 20, 2026
March 20, 2026
2026
8-K

8-K 2026

N/A

March 17, 2026
March 16, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2025

N/A

December 18, 2025
December 17, 2025
2025
8-K

8-K 2025

N/A

December 17, 2025
December 16, 2025
2025
8-K

8-K 2025

N/A

December 17, 2025
December 16, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 07, 2025
September 30, 2025
2025
Showing 1 to 10 of 346 filings