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United Security Bancshares (UBFO) AI Forecast

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United Security Bancshares (UBFO) Stock Forecast 2025

United Security Bancshares (UBFO) AI Stock Price Forecast & Investment Analysis

United Security Bancshares Stock Price Chart and Technical Analysis

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United Security Bancshares (UBFO) - Comprehensive Stock Analysis & Investment Research

Deep dive into United Security Bancshares's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on April 4, 2026, 7:10 a.m. (UTC)

United Security Bancshares Investment Summary

When evaluating whether United Security Bancshares (UBFO) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

United Security Bancshares (UBFO) operates within the Finance sector, specifically in the National Commercial Banks industry. The company employs approximately 93 people. With a market capitalization of $185 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers United Security Bancshares's revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for United Security Bancshares along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether United Security Bancshares is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

United Security Bancshares (Stock Symbol: UBFO) is a prominent company operating within the Finance sector, with a specific focus on the National Commercial Banks industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about United Security Bancshares's leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for United Security Bancshares...

Sector & Industry Analysis

In-depth sector dynamics and industry context for United Security Bancshares...

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Revenue & Growth Analysis

United Security Bancshares generates annual revenues of $48 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for United Security Bancshares...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for United Security Bancshares...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for United Security Bancshares...

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Strategic Market Position

United Security Bancshares strategically competes in the highly dynamic National Commercial Banks marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

United Security Bancshares competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $13 million annually , with year-over-year cash flow growth of -3.5%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.03x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

United Security Bancshares (UBFO) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for United Security Bancshares stock analysis.

Deep dive into United Security Bancshares's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if United Security Bancshares stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For United Security Bancshares: With a P/E ratio of 15.04, the market moderately values the company's earnings.

P/E Ratio 15.04x
P/B Ratio 1.32x
Market Cap $185M
Dividend Yield 4.54%
EPS $0.65
Book Value/Share $7.94
Revenue/Share $2.75
FCF/Share $0.74
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently United Security Bancshares converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For United Security Bancshares: An ROE of 9.6% indicates room for improvement in shareholder value creation.

ROE 9.6%
ROA 0.9%
Net Margin -25.8%
EBT Margin 36.7%
Tax Rate 24.7%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess United Security Bancshares's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For United Security Bancshares:

D/E Ratio 0.12x
Financial Leverage 11.88x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal United Security Bancshares's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For United Security Bancshares: Free cash flow of $13M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $14M
Free Cash Flow $13M
Capital Spending -$1M
OCF Growth YoY -3.5%
FCF Growth YoY -5.1%
FCF/Sales 31.7%
CapEx/Sales 3.5%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively United Security Bancshares uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For United Security Bancshares: An asset turnover of 0.03x suggests room for improvement in asset utilization.

Asset Turnover 0.03x
Fixed Assets Turnover 3.5x
Understanding Financial Statement Data

What these metrics mean: Key figures from United Security Bancshares's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For United Security Bancshares: With annual revenue of $48M, United Security Bancshares represents a smaller but potentially high-growth operation.

Income Statement
Total Revenue $48M
Net Income -$10M
SG&A Expense $34M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 30%
Total Liabilities 92%
Short-term Debt 5%
Accounts Receivable 1%
Dividend & Shareholder Information
Dividends Per Share $0.12
Shares Outstanding 18M
Growth Metrics (YoY)
EPS Growth -7.6%

Latest United Security Bancshares Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting United Security Bancshares (UBFO) stock price and investment outlook.

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United Security Bancshares Competitors & Peer Analysis - Finance Sector

Comparative analysis of United Security Bancshares against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Alerus Financial Corp ALRS ██% $604M 34.6x 1.1x
Jpmorgan Chase & Co AMJB ██% $88.86B 1.5x 0.3x
Amerant Bancorp Inc. AMTB ██% $936M 17.9x 1.0x
Ubs Ag AMUB ██% $82.91B x x
Arrow Financial Corp AROW ██% $540M 15.7x 1.3x
Ameriserv Financial Inc /Pa/ ASRV ██% $60M 10.7x 0.5x
Ames National Corp ATLO ██% $251M 13.2x 1.2x
Bank Of America Corp /De/ BAC ██% $355.57B 11.7x 1.2x
Bank Of America Corp /De/ BAC-PB ██% $186.97B 6.3x 0.6x
Bank Of America Corp /De/ BAC-PE ██% $147.76B 5.0x 0.5x
Bank Of America Corp /De/ BAC-PK ██% $183.31B 6.2x 0.6x
Bank Of America Corp /De/ BAC-PL ██% $9.15T 308.5x 30.1x
Bank Of America Corp /De/ BAC-PM ██% $167.48B 5.7x 0.6x
Bank Of America Corp /De/ BAC-PN ██% $156.26B 5.3x 0.5x
Bank Of America Corp /De/ BAC-PO ██% $133.91B 4.5x 0.4x
Bank Of America Corp /De/ BAC-PP ██% $126.87B 4.3x 0.4x
Bank Of America Corp /De/ BAC-PQ ██% $131.34B 4.4x 0.4x
Bank Of America Corp /De/ BAC-PS ██% $147.69B 5.0x 0.5x
Bank Of America Corp /De/ BACRP ██% $1.47T 49.5x 4.8x
Banc Of California, Inc. BANC ██% $2.66B 11.6x 0.8x
Banc Of California, Inc. BANC-PF ██% $3.81B 18.3x 1.1x
Bancfirst Corp /Ok/ BANF ██% $3.66B 15.2x 2.0x
Bancfirst Corp /Ok/ BANFP ██% $866M 3.7x 0.5x
California Bancorp \ Ca BCAL ██% $578M 9.2x 1.0x
Bank First Corp BFC ██% $1.53B 21.3x 2.4x
Burke & Herbert Financial Services Corp. BHRB ██% $937M 8.0x 1.1x
Bank Of America Corp /De/ BML-PG ██% $141.09B 4.8x 0.5x
Bank Of America Corp /De/ BML-PH ██% $141.02B 4.8x 0.5x
Bank Of America Corp /De/ BML-PJ ██% $151.35B 5.1x 0.5x
Bank Of America Corp /De/ BML-PL ██% $145.12B 4.9x 0.5x
Bok Financial Corp BOKF ██% $7.76B 13.4x 1.3x
Citigroup Inc C ██% $211.14B 14.8x 1.0x
Camden National Corp CAC ██% $815M 12.5x 1.2x
Carter Bankshares, Inc. CARE ██% $516M 16.4x 1.2x
Pathward Financial, Inc. CASH ██% $2.00B 7.9x 2.3x
Consumers Bancorp Inc /Oh/ CBKM ██% $81M 8.5x 0.9x
Chain Bridge Bancorp Inc CBNA ██% $229M 11.3x 1.4x
Capital Bancorp Inc CBNK ██% $494M 8.6x 1.2x
Community Financial System, Inc. CBU ██% $3.25B 15.8x 1.7x
Coastal Carolina Bancshares, Inc. CCNB ██% $89M x 6.2x
Cf Bankshares Inc. CFBK ██% $176M 10.1x 1.0x
California First Leasing Corp CFNB ██% $224M 8.8x 1.2x
Cullen/Frost Bankers, Inc. CFR ██% $8.88B 13.7x 1.9x
Cullen/Frost Bankers, Inc. CFR-PB ██% $1.15B 1.8x 0.3x
City Holding Co CHCO ██% $1.74B 13.4x 2.2x
Comerica Inc CMA ██% $11.53B 16.1x 1.3x
Community Bancorp /Vt CMTV ██% $192M 11.3x 1.7x
Capital One Financial Corp COF ██% $115.33B 47.0x 1.0x
Capital One Financial Corp COF-PI ██% $12.58B 8.9x 0.1x
Capital One Financial Corp COF-PJ ██% $11.84B 8.4x 0.1x
Capital One Financial Corp COF-PK ██% $11.46B 8.1x 0.1x
Capital One Financial Corp COF-PL ██% $10.94B 7.7x 0.1x
Capital One Financial Corp COF-PN ██% $10.72B 7.6x 0.1x
Citigroup Inc C-PN ██% $58.27B 4.0x 0.3x
Dime Community Bancshares, Inc. /Ny/ DCOM ██% $1.50B 13.6x 1.0x
Dime Community Bancshares, Inc. /Ny/ DCOMG ██% $1.16B 19.8x 0.8x
Dime Community Bancshares, Inc. /Ny/ DCOMP ██% $836M 14.3x 0.6x
Enb Financial Corp ENBP ██% $138M 6.4x 0.9x
First Commonwealth Financial Corp /Pa/ FCF ██% $1.83B 12.0x 1.2x
Fidelity D & D Bancorp Inc FDBC ██% $250M 8.9x 1.1x
First Financial Bancorp /Oh/ FFBC ██% $2.67B 10.5x 1.0x
First Horizon Corp FHN ██% $11.61B 11.8x 1.3x
First Horizon Corp FHN-PC ██% $12.98B 14.6x 1.5x
First Horizon Corp FHN-PE ██% $12.87B 14.5x 1.4x
First Horizon Corp FHN-PF ██% $9.42B 10.6x 1.1x
Ubs Ag FIEE ██% $56M x x
Financial Institutions Inc FIISO ██% $2.62B x 4.2x
Financial Institutions Inc FISI ██% $645M 8.6x 1.0x
Farmers & Merchants Bancorp FMCB ██% $803M 8.6x 1.2x
Fnb Corp/Pa/ FNB ██% $6.10B 10.8x 0.9x
First Bancorp, Inc /Me/ FNLC ██% $321M 9.3x 1.1x
First Merchants Corp FRME ██% $2.49B 11.0x 1.0x
First Merchants Corp FRMEP ██% $1.47B 6.3x 0.6x
Firstsun Capital Bancorp FSUN ██% $1.02B 10.5x 0.9x
Fulton Financial Corp FULT ██% $3.74B 9.5x 1.1x
Fulton Financial Corp FULTP ██% $3.48B 9.6x 1.0x
First United Corp/Md/ FUNC ██% $239M 9.8x 1.2x
Guaranty Bancshares Inc /Tx/ GNTY ██% $553M 15.3x 1.7x
Hanmi Financial Corp HAFC ██% $795M 10.5x 1.0x
Huntington Bancshares Inc /Md/ HBAN ██% $32.35B 14.6x 1.3x
Huntington Bancshares Inc /Md/ HBANL ██% $37.75B 17.0x 1.7x
Huntington Bancshares Inc /Md/ HBANM ██% $33.44B 15.1x 1.5x
Huntington Bancshares Inc /Md/ HBANP ██% $26.05B 11.7x 1.2x
Hope Bancorp Inc HOPE ██% $1.49B 24.2x 0.7x
Hawthorn Bancshares, Inc. HWBK ██% $237M 10.0x 1.4x
Jpmorgan Chase & Co JPM ██% $796.40B 14.0x 2.2x
Jpmorgan Chase & Co JPM-PC ██% $71.22B 1.2x 0.2x
Jpmorgan Chase & Co JPM-PD ██% $70.80B 1.2x 0.2x
Jpmorgan Chase & Co JPM-PJ ██% $58.06B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PK ██% $55.54B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PL ██% $56.46B 1.0x 0.2x
Jpmorgan Chase & Co JPM-PM ██% $52.61B 0.9x 0.2x
Keycorp /New/ KEY ██% $22.34B 12.2x 1.1x
Keycorp /New/ KEY-PI ██% $27.84B 25.9x 1.4x
Keycorp /New/ KEY-PJ ██% $24.50B 22.8x 1.2x
Keycorp /New/ KEY-PK ██% $24.50B 22.8x 1.2x
Keycorp /New/ KEY-PL ██% $28.04B 26.1x 1.4x
Landmark Bancorp Inc LARK ██% $154M 8.9x 1.0x
Lcnb Corp LCNB ██% $229M 9.9x 0.8x
Bank Of America Corp /De/ MER-PK ██% $188.29B 6.4x 0.6x
Mizuho Financial Group Inc MFG ██% $102.50B 0.1x 0.0x
Meridian Corp MRBK ██% $226M 10.4x 1.1x
Mizuho Financial Group Inc MZHOF ██% $104.20B x 0.0x
National Bank Holdings Corp NBHC ██% $1.78B 16.2x 1.3x
Nbt Bancorp Inc NBTB ██% $2.18B 12.9x 1.2x
Newtekone, Inc. NEWT ██% $318M 5.3x 0.8x
Newtekone, Inc. NEWTG ██% $730M 12.3x 1.9x
Newtekone, Inc. NEWTH ██% $724M 12.2x 1.9x
Newtekone, Inc. NEWTI ██% $734M 12.4x 1.9x
Newtekone, Inc. NEWTZ ██% $721M 12.2x 1.9x
Nicolet Bankshares Inc NIC ██% $3.18B 21.1x 2.5x
National Bankshares Inc NKSH ██% $231M 14.6x 1.3x
Northwest Bancshares, Inc. NWBI ██% $1.88B 15.0x 1.0x
Oceanfirst Financial Corp OCFC ██% $1.05B 14.8x 0.6x
Old National Bancorp /In/ ONB ██% $8.70B 13.0x 1.0x
Old National Bancorp /In/ ONBPO ██% $9.89B 16.3x 1.2x
Old National Bancorp /In/ ONBPP ██% $9.89B 16.3x 1.2x
Optimumbank Holdings, Inc. OPHC ██% $58M 3.5x 0.5x
Peoples Financial Services Corp. PFIS ██% $542M 9.2x 1.0x
Patriot National Bancorp Inc PNBK ██% $145M x 1.5x
Pnc Financial Services Group, Inc. PNC ██% $82.86B 12.0x 1.4x
Pinnacle Financial Partners Inc PNFP ██% $14.29B 22.9x 2.1x
Pinnacle Financial Partners Inc PNFPP ██% $1.94B 3.1x 0.3x
Park National Corp /Oh/ PRK ██% $2.95B 16.4x 2.2x
Regions Financial Corp RF ██% $23.50B 10.9x 1.2x
Regions Financial Corp RF-PC ██% $22.50B 10.4x 1.2x
Regions Financial Corp RF-PE ██% $15.79B 7.3x 0.8x
Regions Financial Corp RF-PF ██% $23.07B 10.7x 1.2x
Simmons First National Corp SFNC ██% $2.82B 14.1x 0.8x
Southern First Bancshares Inc SFST ██% $454M 14.9x 1.2x
Shore Bancshares Inc SHBI ██% $628M 10.6x 1.1x
Smartfinancial Inc. SMBK ██% $670M 13.3x 1.2x
Seneca Bancorp, Inc. SNNF ██% $20M x 0.8x
Synovus Financial Corp SNV ██% $6.95B 8.7x 1.2x
Synovus Financial Corp SNV-PD ██% $3.51B 4.4x 0.6x
Synovus Financial Corp SNV-PE ██% $3.59B 4.5x 0.6x
Stellar Bancorp, Inc. STEL ██% $1.87B 18.2x 1.1x
Bancorp, Inc. TBBK ██% $2.35B 10.3x 3.4x
Truist Financial Corp TFC ██% $58.97B 11.1x 0.9x
Trustmark Corp TRMK ██% $2.51B 11.2x 1.2x
United Security Bancshares UBFO ██% $185M 15.0x 1.3x
United Bancshares Inc/Oh UBOH ██% $126M 11.1x 1.5x
Ubs Group Ag UBS ██% $129.82B x x
Umb Financial Corp UMBF ██% $8.52B 12.1x 1.1x
Umb Financial Corp UMBFO ██% $2.07B 3.4x 0.3x
Us Bancorp \De\ USB ██% $83.28B 11.0x 1.3x
Us Bancorp \De\ USB-PA ██% $1.21T 168.7x 19.1x
Us Bancorp \De\ USB-PH ██% $29.45B 4.1x 0.5x
Us Bancorp \De\ USB-PP ██% $36.73B 5.1x 0.6x
Us Bancorp \De\ USB-PQ ██% $24.37B 3.4x 0.4x
Us Bancorp \De\ USB-PR ██% $25.91B 3.6x 0.4x
Us Bancorp \De\ USB-PS ██% $29.28B 4.1x 0.5x
Virginia National Bankshares Corp VABK ██% $208M 10.8x 1.1x
Valley National Bancorp VLY ██% $6.83B 11.4x 0.9x
Valley National Bancorp VLYPN ██% $14.81B 28.6x 1.9x
Valley National Bancorp VLYPO ██% $14.13B 27.3x 1.8x
Valley National Bancorp VLYPP ██% $14.21B 27.4x 1.9x
Jpmorgan Chase & Co VYLD ██% $79.29B 1.4x 0.2x
Westamerica Bancorporation WABC ██% $1.26B 10.9x 1.4x
Wafd Inc WAFD ██% $2.41B 9.9x 0.8x
Wafd Inc WAFDP ██% $1.30B 5.8x 0.4x
Wilson Bank Holding Co WBHC ██% $6.68B 88.3x 11.5x
Webster Financial Corp WBS ██% $11.21B 11.2x 1.2x
Webster Financial Corp WBS-PF ██% $3.21B 3.5x 0.3x
Webster Financial Corp WBS-PG ██% $3.94B 4.3x 0.4x
Wells Fargo & Company/Mn WFC ██% $249.79B 11.7x 1.4x
Wells Fargo & Company/Mn WFCNP ██% $6.61B 0.3x 0.0x
Wells Fargo & Company/Mn WFC-PA ██% $61.44B 2.9x 0.3x
Wells Fargo & Company/Mn WFC-PC ██% $57.81B 2.8x 0.3x
Wells Fargo & Company/Mn WFC-PD ██% $56.37B 2.7x 0.3x
Wells Fargo & Company/Mn WFC-PL ██% $3.90T 185.1x 21.5x
Wells Fargo & Company/Mn WFC-PY ██% $77.02B 3.7x 0.4x
Wells Fargo & Company/Mn WFC-PZ ██% $62.35B 3.0x 0.3x
Wesbanco Inc WSBC ██% $3.33B 14.9x 0.8x
Wesbanco Inc WSBCP ██% $2.40B 18.0x 0.6x
Wsfs Financial Corp WSFS ██% $3.71B 12.9x 1.4x
Zions Bancorporation, National Association /Ut/ ZION ██% $8.58B 9.6x 1.2x
Zions Bancorporation, National Association /Ut/ ZIONP ██% $2.92B 3.4x 0.4x
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Frequently Asked Questions - United Security Bancshares Stock Forecast

How accurate are United Security Bancshares stock predictions?

Our AI model shows a 9% Spearman correlation coefficient for UBFO predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence United Security Bancshares stock price forecasts?

Our analysis considers United Security Bancshares's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is United Security Bancshares a good investment in 2025?

Based on our AI analysis, United Security Bancshares shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are United Security Bancshares forecasts updated?

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