United Security Bancshares

United Security Bancshares

UBFO·NASDAQ

$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
-10.12%
Return on Invested Capital
-205%
3Y-186.0%
5Y-258.0%
10Y-252.0%
8.80%
Return on Equity
-22%
3Y-37.0%
5Y+16.0%
10Y+15.0%
0.98%
Return on Assets
-19%
3Y-18.0%
5Y+20.0%
10Y+5.0%
United Security Bancshares

United Security Bancshares Management Team

UBFO · NASDAQ
MD

Mr. Dennis R. Woods M.D.

Chairman of the Board, President & Chief Executive Officer

Compensation

$984,022

Born 1948(Age 78)
male
MS

Ms. Susan Quigley CPA

Secretary & Independent Director

Compensation

$16,472

Born 1946(Age 80)
female
MW

Mr. William M. Yarbenet

Senior Vice President & Chief Credit Officer

Compensation

$409,730

Born 1958(Age 68)
male
MD

Mr. David A. Kinross

Senior Vice President & Chief Financial Officer

Compensation

$420,775

Born 1964(Age 62)
male
MP

Ms. Porsche A. Saunders

Senior Vice President & Chief Lending Officer

Compensation

$418,621

Born 1978(Age 48)
female
MR

Mr. Robert C. Oberg

Senior Vice President & Chief Risk Officer

Compensation

$300,177

Born 1960(Age 66)
male
HP

Hiren Patel

Vice President & Controller

ME

Ms. Ellie M. Rosenberg

Vice President & Human Resource Director

female
ubfo

United Security Bancshares Insider Positioning

UBFO · NASDAQ

During the last 12 months, insiders have purchased $1.71M worth of UBFO shares, with no selling activity reported.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

81.0K

782.46K

Sold

0

0.00

Net Activity

+782K

+$782K

9-12 Months

Bought

111.6K

930.60K

Sold

0

0.00

Net Activity

+931K

+$931K

Top Buyers

1
GJ

Gill Jagroop

Director

111.6K shares2 transactions

$931K

2
WKJ

Williams Kevin J

Officer: Svp/Chief Banking Officer

81.0K shares1 transactions

$782K

Top Sellers

No selling activity

Insider Activity Analysis

Net Insider Sentiment

Bullish

Strong bullish signal with $1.71M net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.

Buy/Sell Ratio

∞:1

Perfect buy/sell ratio. Only buying activity with zero selling—the most bullish possible insider signal.

Insider Participation

High Buying

2 insider buyers vs. 0 sellers. Broad-based buying across management team suggests widespread confidence.

Insider Activity Insight

Compelling insider conviction: The combination of strong buy/sell ratio and multiple buyers suggests insiders see attractive risk/reward. Consider this alongside fundamental analysis for confirmation.

SEC Filings

UBFO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
DEF 14A

DEF 14A 2025

N/A

April 07, 2025
April 07, 2025
2025
DEF 14A

DEF 14A 2024

N/A

April 01, 2024
April 03, 2024
2024
DEF 14A

DEF 14A

N/A

April 03, 2023
April 03, 2023
 
DEF 14A

DEF 14A 2022

N/A

April 07, 2022
May 18, 2022
2022
DEF 14A

DEF 14A 2021

N/A

April 08, 2021
May 19, 2021
2021
DEF 14A

DEF 14A 2020

N/A

June 11, 2020
July 15, 2020
2020
DEF 14A

DEF 14A 2018

N/A

April 09, 2019
December 31, 2018
2018
DEF 14A

DEF 14A 2018

N/A

April 09, 2018
May 16, 2018
2018
DEF 14A

DEF 14A 2017

N/A

April 11, 2017
May 17, 2017
2017
DEF 14A

DEF 14A 2016

N/A

April 11, 2016
May 18, 2016
2016
Showing 1 to 10 of 24 filings