United Security Bancshares (UBFO) Stock Analysis
DELISTED 2026
What happened to United Security Bancshares (UBFO) stock?
United Security Bancshares (UBFO) no longer trades on public markets. It was delisted in April 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
United Security Bancshares (UBFO) trades at $10.51. United Security Bancshares operates as the bank holding company for United Security Bank, providing commercial banking services in California. Market cap: $185M, Sector: Financial services.
Last analyzed: May 9, 2026Analyst Coverage for UBFO: UBFO does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates UBFO against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
UBFO: 2/2 scored disciplines lean bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →United Security Bancshares (UBFO) Financial Services Profile
United Security Bancshares, a California-based bank holding company, offers commercial banking services to businesses and individuals. With a focus on community banking, UBFO provides deposit products, loans, and digital services through its branch network and online platforms, distinguishing itself through personalized customer service and local market expertise.
What Is the Investment Thesis for UBFO?
United Security Bancshares presents a compelling investment case based on its established presence in the California banking sector and its focus on community banking. With a market capitalization of $185M and a P/E ratio of 14.76, UBFO demonstrates a stable financial profile. The company's dividend yield of 3.43% offers an attractive income stream for investors. Key growth catalysts include expanding its digital banking services and increasing its loan portfolio in key sectors like agriculture and real estate. However, potential risks include increasing competition from larger regional banks and the impact of interest rate fluctuations on its net interest margin. The company's beta of 0.29 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
UBFO Key Highlights
Market Cap of $185M indicates a solid regional banking presence.
- P/E ratio of 14.76 suggests a reasonable valuation relative to earnings.
- Profit Margin of 19.1% demonstrates efficient operations and profitability.
- Gross Margin of 75.1% reflects a strong ability to manage costs and generate revenue.
- Dividend Yield of 3.43% provides an attractive income stream for investors.
Who Are UBFO's Competitors?
UBFO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BANC Banc of California, Inc. | $18.86 | -0.40% | $2.90B | — |
| CASH Pathward Financial, Inc. | $83.49 | -0.26% | $1.76B | 91 |
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489M | 59 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UBFO's Key Strengths?
Strong presence in the Central Valley of California.
- Diversified loan portfolio.
- Experienced management team.
- Commitment to community banking.
What Are UBFO's Weaknesses?
Limited geographic reach compared to larger regional banks.
- Reliance on traditional banking services.
- Vulnerability to interest rate fluctuations.
- Smaller scale limits investment in technology.
What Could Drive UBFO Stock Higher?
Expansion of digital banking platform to attract younger customers by Q4 2026.
- Focus on increasing commercial loan portfolio to drive revenue growth throughout 2026.
- Efforts to improve operational efficiency and reduce costs through technology investments.
What Are the Key Risks for UBFO?
Financial-distress signal — its Altman Z-Score of 0.15 sits in the distress zone (elevated bankruptcy risk).
- Interest rate hikes by the Federal Reserve could negatively impact net interest margin.
- Economic slowdown in California could lead to increased loan defaults.
- Competition from larger regional banks and fintech companies could erode market share.
What Are the Growth Opportunities for UBFO?
- Expanding Digital Banking Services: United Security Bancshares can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile platforms. Investing in user-friendly interfaces, mobile payment options, and personalized financial management tools can attract new customers and retain existing ones. The market for digital banking is projected to reach $9 trillion by 2028, offering a significant growth opportunity for UBFO.
- Increasing Loan Portfolio in Key Sectors: Focusing on expanding its loan portfolio in sectors such as agriculture and real estate can drive revenue growth for United Security Bancshares. California's agricultural sector is a major economic driver, and providing tailored financing solutions to farmers and agribusinesses can be a lucrative strategy. Similarly, the real estate market in California offers opportunities for mortgage lending and construction financing. This targeted approach can increase UBFO's market share and profitability.
- Strategic Branch Expansion: While digital banking is growing, maintaining a physical presence through strategic branch expansion can enhance United Security Bancshares's reach and customer service capabilities. Identifying underserved markets and establishing new branch locations can attract new customers and provide a local touch. Each new branch can serve as a hub for community engagement and business development, contributing to UBFO's long-term growth.
- Enhancing Fee-Based Services: Growing fee-based income through services like wealth management, investment advisory, and insurance products can diversify United Security Bancshares's revenue streams and improve profitability. Offering these services to its existing customer base can increase customer loyalty and generate recurring revenue. The market for wealth management services is expanding, driven by the growing affluence of the population and the increasing demand for financial planning.
- Acquisitions and Partnerships: Exploring strategic acquisitions and partnerships with other financial institutions or fintech companies can accelerate United Security Bancshares's growth and expand its service offerings. Acquiring smaller banks or partnering with fintech firms can provide access to new markets, technologies, and customer segments. These collaborations can enhance UBFO's competitive position and drive long-term value creation.
What Threats Does UBFO Face?
- Increasing competition from larger regional banks.
- Impact of economic downturn on loan quality.
- Regulatory changes and compliance costs.
- Cybersecurity risks and data breaches.
What Are UBFO's Competitive Advantages?
- Established presence in the California banking market.
- Strong relationships with local businesses and communities.
- Personalized customer service and local market expertise.
- Conservative lending practices and risk management.
What Does UBFO Do?
Founded in 1987 and headquartered in Fresno, California, United Security Bancshares operates as the bank holding company for United Security Bank. The bank is a state-chartered institution providing a comprehensive suite of commercial banking services to businesses, professionals, and individuals across California. United Security Bank distinguishes itself through its commitment to community banking, offering personalized service and local market expertise. Its history is rooted in serving the Central Valley, and it has gradually expanded its footprint to include locations such as Bakersfield, Campbell, and Taft. The bank's core offerings include a variety of deposit products, such as personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. On the lending side, United Security Bank provides real estate mortgage, commercial and industrial, real estate construction, consumer, agricultural, installment, and student loans. To meet the evolving needs of its customers, United Security Bank offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's checks, cash management, traveler's checks, money orders, foreign draft services, interactive teller machines, and ATM services. As of January 26, 2022, United Security Bank operated 12 full-service branch offices across California.
What Products and Services Does UBFO Offer?
- Provides personal and business checking accounts.
- Offers savings accounts and money market accounts.
- Provides real estate mortgage loans.
- Offers commercial and industrial loans.
- Provides real estate construction loans.
- Offers consumer and agricultural loans.
- Provides online and mobile banking services.
- Provides safe deposit boxes and wire transfers.
How Does UBFO Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through credit analysis and loan underwriting.
- Invests in technology to enhance operational efficiency and customer experience.
What Industry Does UBFO Operate In?
United Security Bancshares operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing a digital transformation, with banks increasingly investing in online and mobile banking platforms to enhance customer experience and reduce costs. The competitive landscape includes larger national banks, other regional players, and fintech companies offering alternative financial services. United Security Bancshares differentiates itself through its focus on community banking and personalized customer service, targeting small businesses and individuals in its local markets. The regional banking sector is expected to see moderate growth, driven by increasing demand for loans and financial services from small and medium-sized enterprises.
Who Are UBFO's Key Customers?
- Small and medium-sized businesses in California.
- Individuals seeking personal banking services.
- Agricultural businesses and farmers.
- Real estate developers and investors.
Company Profile
United Security Bancshares operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Fresno, US. The company is led by CEO Dennis R. Woods. UBFO has traded publicly since 1999.
How United Security Bancshares Is Valued
United Security Bancshares carries a market capitalization of $185M, placing it in the micro-cap category.
Key Financial Metrics
Return on equity for United Security Bancshares stands at 9.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. UBFO trades at a trailing price-to-earnings ratio of 14.76, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.64 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.8%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
United Security Bancshares's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.15 places it in the distress zone, a signal of elevated financial risk.
UBFO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong presence in the Central Valley of California.
- Diversified loan portfolio.
- Experienced management team.
- Commitment to community banking.
Bear Case
- Limited geographic reach compared to larger regional banks.
- Reliance on traditional banking services.
- Vulnerability to interest rate fluctuations.
- Smaller scale limits investment in technology.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
UBFO Latest News
No recent news available for UBFO.
Leadership: Dennis R. Woods
CEO
Dennis R. Woods serves as the CEO of United Security Bancshares, bringing extensive experience in the banking and financial services industry. His career spans several decades, with a focus on community banking and regional market development. Woods has held various leadership positions in financial institutions, demonstrating expertise in strategic planning, risk management, and customer relationship management. He is known for his commitment to fostering a strong corporate culture and driving sustainable growth. Woods holds a degree in Business Administration from a leading university.
Track Record: Under Dennis R. Woods's leadership, United Security Bancshares has maintained a stable financial performance and expanded its presence in key markets. He has overseen the implementation of strategic initiatives to enhance operational efficiency and improve customer service. Woods has also played a key role in navigating regulatory challenges and ensuring compliance with banking regulations. His tenure has been marked by a focus on sustainable growth and long-term value creation for shareholders.
Common Questions About UBFO (Financial Services)
What happened to United Security Bancshares (UBFO) stock?
United Security Bancshares (UBFO) no longer trades on public markets. It was delisted in April 2026. The figures below are historical and are not a current quote.
Can I still buy UBFO shares?
No. UBFO stopped trading on public markets in April 2026, so the shares are not available through a broker. Anything you see quoted for UBFO elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before UBFO stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to United Security Bancshares. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does United Security Bancshares do?
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank providing commercial banking services to businesses, professionals, and individuals in California. The bank offers a range of deposit products, including checking, savings, and money market accounts, as well as lending services such as real estate mortgage, commercial, and consumer loans.
What do analysts say about UBFO stock?
Analyst coverage of United Security Bancshares (UBFO) is limited, but the general sentiment reflects a stable outlook for the company. Key valuation metrics, such as the P/E ratio of 14.76, suggest a reasonable valuation compared to its earnings. Growth considerations include the company's ability to expand its digital banking services and increase its loan portfolio in key sectors.
What are the main risks for UBFO?
United Security Bancshares faces several key risks, including interest rate risk, credit risk, and competitive risk. Rising interest rates could negatively impact the company's net interest margin and profitability. An economic slowdown in California could lead to increased loan defaults and credit losses. Competition from larger regional banks and fintech companies could erode UBFO's market share and customer base.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest reporting period.