UBFO - NASDAQ
United Security Bancshares
$10.51
+0.0000%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 SnapshotUnited Security Bancshares Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
United Security Bancshares Income Statement
UBFO • NASDAQ
| United Security Bancshares Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
65.9M | 65.5M | 65.9M | 51M | 41M | 39.7M | 47M | 41.2M | 37.2M | 34M | 32.2M | 30.1M | 27.5M | 31.4M | 32.7M | 38.4M | 42M | 53.5M | 66.8M | 56.4M | |
GROSS PROFIT | ||||||||||||||||||||
(17.6M) | (16.9M) | (12.5M) | (5M) | (4.2M) | (5.1M) | (3.9M) | (939K) | (1.8M) | (1.4M) | (1.2M) | (500K) | (513K) | (3.1M) | (16.6M) | (17.1M) | (20.7M) | (24.5M) | (26.3M) | (15.1M) | |
48.3M | 48.6M | 53.4M | 46M | 36.8M | 34.6M | 43.1M | 40.2M | 35.4M | 32.6M | 31M | 29.6M | 26.9M | 28.3M | 16.1M | 21.4M | 21.3M | 29M | 40.6M | 41.3M | |
OPERATING INCOME | ||||||||||||||||||||
(31.6M) | (28.3M) | (26M) | (23.9M) | (23.5M) | (22.2M) | (21.8M) | (20.9M) | (19.7M) | (20.3M) | (19.7M) | (19.2M) | (19.6M) | (20.7M) | (28.6M) | (29M) | (28M) | (23.4M) | (22.7M) | (19.9M) | |
(19.4M) | (14.3M) | (13.6M) | (12.3M) | (12.1M) | (11.7M) | (12.1M) | (12.8M) | (11.6M) | (11.8M) | (11.3M) | (11M) | (10.8M) | (10.8M) | (11.5M) | (12.1M) | (10.5M) | (12.1M) | (11.5M) | (9.9M) | |
16.7M | 20.3M | 27.5M | 22.1M | 13.3M | 12.4M | 21.3M | 19.4M | 15.8M | 12.3M | 11.3M | 10.4M | 7.4M | 7.6M | -12.5M | -7.7M | -6.7M | 5.7M | 17.8M | 21.4M | |
PRE-TAX INCOME | ||||||||||||||||||||
(12M) | (13.9M) | (11.1M) | (3.2M) | (2.1M) | (2.3M) | (3.9M) | (2.7M) | (1.7M) | (1.4M) | (1.3M) | (1.3M) | (1.6M) | (2.1M) | (3M) | (4.6M) | (7.3M) | (14.9M) | (20.6M) | (14.2M) | |
48.8M | 46.9M | 49.3M | 46.1M | 35.7M | 32.3M | 37.4M | 33.9M | 31.2M | 28.1M | 26.1M | 23.6M | 21.4M | 23.1M | 25M | 27.9M | 28.3M | 30.2M | 36.6M | 33.2M | |
(12.2M) | (14M) | (12.4M) | (11.7M) | (11.4M) | (10.5M) | (9.7M) | (8.1M) | (8.1M) | (8.5M) | (8.4M) | (8.2M) | (8.8M) | (9.9M) | (17.1M) | (16.9M) | (17.5M) | (11.2M) | (11.2M) | (10M) | |
16.7M | 20.3M | 27.5M | 22.1M | 13.3M | 12.4M | 21.3M | 19.3M | 15.7M | 12.3M | 11.3M | 10.4M | 7.4M | 7.6M | -12.5M | -7.7M | -6.7M | 5.7M | 17.8M | 21.4M | |
NET INCOME | ||||||||||||||||||||
(4.4M) | (5.5M) | (7.7M) | (6.4M) | (3.2M) | (3.5M) | (6.1M) | (5.3M) | (7M) | (4.9M) | (4.5M) | (4.2M) | (105K) | (1.5M) | -1.7M | -3.2M | -2.2M | (1.6M) | (6.6M) | (8M) | |
12.3M | 14.8M | 19.8M | 15.7M | 10.1M | 9M | 15.2M | 14M | 8.6M | 7.4M | 6.8M | 6.2M | 7.3M | 6.1M | -10.8M | -4.4M | -4.5M | 4.1M | 11.3M | 13.4M |
SEC Filings
UBFO - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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