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United Security Bancshares (UBFO)

Financial Services | Banks - Regional | Fresno, United States |
USD

Short-term:★☆☆☆☆Long-term:★★★★☆Dividends:★★★★☆
Hot Take | April 19, 2026, 3:35 a.m. UTC

A classic value trap candidate where solid balance sheet fundamentals (45% earnings growth, 39% operating margins) and a 4.5% yield are being crushed by ACQUIHICA captaincy; the insider profits-taking on the merger makes momentum foul play, but the discounted valuation supports a long-term buy at current levels.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.038173
AutoTheta0.038692
AutoETS0.039161
AutoARIMA0.058885

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 80%
H-stat 0.08
Ljung-Box p 0.000
Jarque-Bera p 0.405
Excess Kurtosis -0.54
Attribute Value
Sector Financial Services
Ex Dividend Date 2025-12-26
Last Dividend Date 2025-12-26
Revenue per Share 2.76
Market Cap 185,027,760
Trailing P/E 15.01
Beta 0.29
Profit Margins 25.45%
Website https://www.unitedsecuritybank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.18% 5.48% 6.52% 6.80%
Dividend History
Date Dividend Yield %
2025-12-26 0.120000 1.184600
2025-10-03 0.120000 1.324163
2025-07-07 0.120000 1.385419
2025-04-07 0.120000 1.585711
2025-01-02 0.120000 1.287331
2024-10-07 0.120000 1.504890
2024-07-08 0.120000 1.798578
2024-04-05 0.120000 1.796460
2024-01-02 0.120000 1.662749
2023-10-06 0.120000 1.888020
2023-07-07 0.120000 2.050390
2023-04-05 0.110000 2.103150
2023-01-03 0.110000 1.833237
2022-10-07 0.110000 2.034317
2022-07-07 0.110000 1.843009
2022-04-05 0.110000 1.674685
2021-12-31 0.110000 1.717859
2021-10-08 0.110000 1.771735
2021-07-02 0.110000 1.769608
2021-04-05 0.110000 1.795916
2020-12-31 0.110000 2.088833
2020-10-05 0.110000 2.374131
2020-07-02 0.110000 2.324425
2020-04-03 0.110000 3.050010
2019-12-31 0.110000 1.467885
2019-10-07 0.110000 1.516904
2019-07-05 0.110000 1.417847
2019-04-05 0.110000 1.571998
2019-01-02 0.110000 1.700086
2018-10-05 0.100000 1.371602
2018-07-06 0.090000 1.191506
2018-04-06 0.090000 1.272980
2018-01-03 0.070000 0.984541
2017-10-06 0.070000 1.135378
2017-07-05 0.050000 0.821219
2017-05-04 0.050000 0.944207
2008-07-09 0.089962 1.365086
2008-04-09 0.089962 1.298979
2008-01-09 0.086503 1.298809
2007-10-10 0.086503 1.036755
2007-07-03 0.086503 0.961853
2007-04-03 0.086503 1.024070
2007-01-10 0.086503 0.849576
2006-10-10 0.076119 0.797804
2006-07-05 0.076119 0.890509
2006-04-05 0.076122 0.788699
2006-01-11 0.069201 1.009184
2005-10-05 0.062279 1.024565
2005-07-06 0.062279 1.165629
2005-04-06 0.062279 1.230738
2005-01-05 0.055361 1.099737
2004-10-06 0.055361 1.216802
2004-07-07 0.055361 1.290713
2004-04-06 0.055361 1.066872
2004-01-07 0.050169 0.913030
2003-10-08 0.050169 1.004213
2003-07-09 0.050169 1.113779
2003-04-09 0.050169 1.212917
2003-01-08 0.044981 1.404989
2002-10-09 0.044981 1.442763
2002-07-10 0.044981 1.389388
2002-04-10 0.044981 1.364016
2002-01-09 0.039789 1.285436
2001-10-05 0.039789 1.334583
2001-07-11 0.039789 1.228433
2001-04-10 0.039789 1.331883
2001-01-10 0.034600 1.090777
2000-10-11 0.034600 1.089125
2000-07-12 0.034600 1.127474
2000-04-12 0.028237 0.983307
2000-01-12 0.027679 0.784347
1999-10-13 0.027679 0.876204
1999-07-14 0.023530 0.960023
1999-04-14 0.023530 0.953165
1999-01-19 0.023530 0.963437
1998-10-14 0.020760 0.792444
1998-07-30 0.021177 0.752963
1998-04-16 0.021177 0.796858
1998-01-14 0.021177 0.981320
1997-10-15 0.018824 0.853589
1997-07-09 0.018824 0.977762
1997-04-11 0.018824 1.313083
1997-01-10 0.009412 0.794478
Additional Data
dividendRate 0.48
dividendYield 0.045700002
exDividendDate 2025-12-26
trailingAnnualDividendRate 0.48
trailingAnnualDividendYield 0.04567079
lastDividendValue 0.12
lastDividendDate 2025-12-26

Info Dump

Attribute Value
52 Week Change 0.35612905
Address1 2,126 Inyo Street
All Time High 18.523188
All Time Low 1.403774
Ask 10.47
Ask Size 100
Audit Risk 9
Average Daily Volume10 Day 60,258
Average Volume 31,225
Average Volume10Days 60,258
Beta 0.286
Bid 10.98
Bid Size 100
Board Risk 6
Book Value 7.945
City Fresno
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Currency USD
Current Price 10.51
Date Short Interest 1,773,360,000
Day High 10.71
Day Low 10.31
Dividend Rate 0.48
Dividend Yield 0.045700002
Earnings Growth 0.44
Earnings Quarterly Growth 0.368
Ebitda Margins 0.0
Enterprise To Revenue 1.451
Enterprise Value 70,051,360
Ex Dividend Date 1,766,707,200
Exchange NMS
Exchange Timezone Name UTC
Fifty Day Average 10.6047
Fifty Two Week High 11.52
Fifty Two Week Low 7.5262
Financial Currency USD
First Trade Date Epoch Utc 829,920,600
Five Year Avg Dividend Yield 5.67
Float Shares 13,251,883
Full Time Employees 113
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,775,001,600
Gross Margins 0.0
Gross Profits 48,283,000
Held Percent Insiders 0.2252
Held Percent Institutions 0.38659
Implied Shares Outstanding 17,604,923
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website https://www.unitedsecuritybank.com/index.php?option=com_wrapper&Itemid=123
Last Dividend Date 1,766,707,200
Last Dividend Value 0.12
Last Fiscal Year End 1,767,139,200
Last Split Date 1,491,350,400
Last Split Factor 1.01:1
Long Business Summary As of April 1, 2026, United Security Bancshares was acquired by Community West Bancshares. United Security Bancshares operates as the bank holding company for United Security Bank that engages in the provision of various commercial banking services in the United States. It offers deposit instruments, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. The company also provides lending products, such as real estate, real estate construction, commercial and industrial, agricultural, and installment loans. In addition, it offers online and mobile banking, safe deposit boxes, wire transfers, interactive teller machine services, payroll direct deposit, cashier's checks, cash management, and foreign draft services, as well as person-to-person and bank-to-bank transfers for consumer customers. It serves the business and professional community, and individuals. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.
Long Name United Security Bancshares
Market Cap 185,027,760
Max Age 86,400
Message Board Id finmb_410964
Most Recent Quarter 1,767,139,200
Net Income To Common 12,111,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 185,027,740
Open 10.4
Operating Cashflow 22,056,000
Operating Margins 0.39146
Overall Risk 4
Payout Ratio 0.6857
Phone 559 490 6261
Previous Close 10.51
Price Hint 2
Price To Book 1.3228445
Price To Sales Trailing12 Months 3.8321512
Profit Margins 0.2545
Quote Type EQUITY
Recommendation Key none
Regular Market Day High 10.71
Regular Market Day Low 10.31
Regular Market Open 10.4
Regular Market Previous Close 10.51
Regular Market Volume 263,975
Return On Assets 0.00999
Return On Equity 0.09101
Revenue Growth 0.158
Revenue Per Share 2.76
Sand P52 Week Change 0.3140242
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 1
Shares Outstanding 17,604,923
Shares Percent Shares Out 0.0064999997
Shares Short 113,660
Shares Short Previous Month Date 1,770,940,800
Shares Short Prior Month 106,402
Short Name United Security Bancshares
Short Percent Of Float 0.0083
Short Ratio 6.53
State CA
Symbol UBFO
Time Zone Full Name America/New_York
Time Zone Short Name EDT
Total Cash 120,955,000
Total Cash Per Share 7.01
Total Debt 9,651,000
Total Revenue 48,283,000
Tradeable 0
Trailing Annual Dividend Rate 0.48
Trailing Annual Dividend Yield 0.04567079
Trailing Eps 0.7
Trailing P E 15.014286
Trailing Peg Ratio None
Two Hundred Day Average 9.71
Underlying Symbol UBFO
Uuid e369c65d-3546-31f0-a70e-3ca8fb332b9d
Volume 263,975
Website https://www.unitedsecuritybank.com
Zip 93,721