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United Security Bancshares

UBFO • Banks - Regional
$10.51
— 0.00 (0.00%)
Current price
EarningsLatest report: Dec 31, 2025
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$185.03M
Growth
5.7%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 18.6%Positive revenue growth · 12.2%Positive free cash flow · 1.15Consistent free cash flow · 5/5Reasonable earnings multiple · 14.13
Financial data as of: Dec 31, 2025, 12:00 AM UTCLast earnings update: Jan 22, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$10.51
Change0.00%
Market Cap$185.03M
52W Range7.32 - 11.52
Beta0.29
Gross Margin73.27%
Oper. Margin25.33%
Profit Margin18.65%
Debt/Eq0.09
Current Ratio0.64
Quick Ratio0.64
Revenue 5Y5.67%

Investment DNA

How strong this company looks for long-term investors

78
out of 100
Business Quality
Margins, moat, returns
77/100
Financial Strength
Debt, cash, stability
40/100
Growth Potential
Revenue and expansion
85/100
Price Attractiveness
Cheap or expensive today
89/100
Why this score▼
Stable or improving margins · 18.6%Positive revenue growth · 12.2%Positive free cash flow · 1.15Consistent free cash flow · 5/5Reasonable earnings multiple · 14.13Manageable debt level · 0.09
Analyst view
No analyst data available now.

Company Overview

IPO: 3/3/1999
Industry: Banks - Regional
P/B i: 1.24
Debt / Equity i: 0.09
Operating Margin: 25.33%
Net Margin: 18.65%
ROE i: -
ROIC: -

Financial Health

Score8 / 20
Debt / Equity: 0.09
Current Ratio: 0.64
Quick Ratio: 0.64
Status: Moderate

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

⚠ 2 high-volume insider sells detected
GILL JAGROOP
Transaction: 04/01/2026
SELL
Change
-1,286,470
Price
Not reported
Filing
04/13/2026
Type
SELL
Mahmood Nabeel
Transaction: 04/01/2026
SELL
Change
—
Price
Not reported
Filing
04/13/2026
Type
SELL
Yarbenet William M.
Transaction: 04/01/2026
SELL
Change
—
Price
Not reported
Filing
04/13/2026
Type
SELL