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UBFO

NEUTRAL
$10.51 Live
United Security Bancshares · NASDAQ
$7.53 52W Range $11.52
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 22, 2026
Market cap
$185.03M
P/E
15.01
ROE
9.1%
Profit margin
25.4%
Debt/Equity
N/A
Dividend yield
0.05%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
UBFO presents a classic value disconnect: the company is fundamentally undervalued with a current price of $10.51 sitting below both its Graham Number ($11.19) and Intrinsic Value ($20.65). While the Piotroski F-Score of 4/9 indicates stable but mediocre financial health, the company shows impressive YoY earnings growth of 44%. However, a Technical Trend score of 0/100 suggests strong bearish momentum that offsets the fundamental value. The stock is a potential long-term value play, but immediate entry is risky given the technical headwinds.

Key Strengths

Trading below Graham Number ($11.19) and significantly below Intrinsic Value ($20.65)
Strong YoY earnings growth of 44.00%
Robust operating margin of 39.15%
Positive revenue growth (15.80% YoY and 12.38% Q/Q)
Reasonable P/E ratio (15.01) compared to the broader financial sector average

Key Risks

Severe bearish technical trend (0/100 score)
Mediocre Piotroski F-Score (4/9) suggesting stagnant health improvements
Negligible dividend yield (0.05%) providing no income cushion
Micro-cap status ($0.19B) leading to higher volatility and lower liquidity
Lack of analyst coverage and target price guidance
AI Fair Value Estimate
Based on comprehensive analysis
$14.25
+35.6% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
58
Moderate
Value
85
Future
75
Past
60
Health
50
Dividend
20
AI Verdict
Undervalued but Momentum-Constrained
Key drivers: Strong growth metrics, Deep discount to intrinsic value, Bearish technicals, Average financial health
Confidence
85%
Value
85/100

Ref P/E 15.01, Graham Number $11.19

Positives
  • Price < Graham Number
  • Price < Intrinsic Value
  • Low P/E relative to sector
Watchpoints
  • P/B of 1.32 is slightly above book value
Future
75/100

Ref Growth rates

Positives
  • 44% YoY Earnings Growth
  • 15.8% YoY Revenue Growth
Watchpoints
  • Year-over-year EPS growth shows a recent dip of -8.7%
Past
60/100

Ref Historical trends

Positives
  • Strong 3Y and 5Y price appreciation
  • Consistent quarterly earnings track record
Watchpoints
  • Inconsistent earnings surprises in recent quarters
Health
50/100

Ref Piotroski F-Score 4/9

Positives
  • Stable Piotroski score
Watchpoints
  • Piotroski F-Score of 4/9 is only mid-range
  • Missing Altman Z-Score data
Dividend
20/100

Ref Yield 0.05%, Payout 68.57%

Positives
  • Dividend is paid
Watchpoints
  • Extremely low yield (0.05%)
  • High payout ratio (68.57%) relative to the yield provided

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$10.51

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for UBFO and closest competitors.

Updated 2026-04-01
UBF
United Security Bancshares
Primary
5Y
+74.0%
3Y
+96.5%
1Y
+24.7%
6M
+16.0%
1M
+0.2%
1W
+1.7%
LPR
Open Lending Corporation
Peer
5Y
-96.0%
3Y
-77.7%
1Y
+66.7%
6M
-21.8%
1M
+6.2%
1W
+25.2%
CNC
Coincheck Group N.V.
Peer
5Y
-85.6%
3Y
-86.2%
1Y
-69.6%
6M
-72.8%
1M
-41.7%
1W
-5.4%
BVF
BV Financial, Inc.
Peer
5Y
+68.8%
3Y
+42.6%
1Y
+42.8%
6M
+34.0%
1M
+7.5%
1W
+1.7%
SWK
SWK Holdings Corp
Peer
5Y
+19.3%
3Y
+13.0%
1Y
+10.9%
6M
-5.1%
1M
-6.0%
1W
0.0%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
15.01
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
1.32
P/S Ratio
3.83
EV/Revenue
1.45
EV/EBITDA
N/A
Market Cap
$185.03M

Profitability

Profit margins and return metrics

Profit Margin 25.45%
Operating Margin 39.15%
Gross Margin N/A
ROE 9.1%
ROA 1.0%

Growth

Revenue and earnings growth rates

Revenue Growth +15.8%
Earnings Growth +44.0%
Q/Q Revenue Growth +12.38%
Q/Q Earnings Growth +36.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$7.01

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Net Margin
25.4%
Total Assets
$1.2B
Liabilities
$1.1B
Equity
$0.1B
Debt/Equity
7.94x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
78%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-16
$N/A
2007-04-16
$0.21
+6.0% surprise
2007-01-16
$0.18
-17.0% surprise
2006-10-11
$0.21
+10.1% surprise

Financial Services Sector Comparison

Comparing UBFO against 586 companies in the Financial Services sector (108 bullish, 244 neutral, 234 bearish)
P/E Ratio
15.01
This Stock
vs
41.27
Sector Avg
-63.6% (Discount)
Return on Equity (ROE)
9.1%
This Stock
vs
-0.07%
Sector Avg
-12532.5% (Below Avg)
Profit Margin
25.45%
This Stock
vs
47.24%
Sector Avg
-46.1% (Weaker)
Revenue Growth
15.8%
This Stock
vs
38.08%
Sector Avg
-58.5% (Slower)

Similar Companies

Peer comparison within the same industry

UBFO United Security...
NEUTRAL
Mkt Cap
$185M
P/E
15.0
ROE
9.1%
Price
$10.51
LPRO Open Lending...
NEUTRAL
Mkt Cap
$182M
P/E
-
ROE
-5.5%
Price
$1.54
 Compare with UBFO
CNCK Coincheck Group N.V.
NEUTRAL
Mkt Cap
$190M
P/E
140.0
ROE
0.2%
Price
$1.4
 Compare with UBFO
BVFL BV Financial, Inc.
BULLISH
Mkt Cap
$179M
P/E
14.1
ROE
7.1%
Price
$20.12
 Compare with UBFO
SWKH SWK Holdings Corp
BEARISH
Mkt Cap
$192M
P/E
-
ROE
-1.0%
Price
$15.9
 Compare with UBFO

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

OBERG ROBERT C. JR
Officer
Stock Award
2026-03-24
7,391 shares
KINROSS DAVID A
Chief Financial Officer
Stock Award
2026-01-27
2,872 shares
YARBENET WILLIAM M
Officer
Stock Award
2026-01-27
2,785 shares
SAUNDERS PORSCHE A
Senior Vice President
Stock Award
2026-01-27
3,245 shares
WILLIAMS KEVIN J
Officer
Stock Award
2026-01-27
2,837 shares
WOODS DENNIS R
Chief Executive Officer
Stock Award
2026-01-27
9,920 shares
KINROSS DAVID A
Chief Financial Officer
Stock Award
2025-12-31
2,500 shares
OBERG ROBERT C. JR
Officer
Stock Award
2025-12-01
3,269 shares · $32,428
OBERG ROBERT C. JR
Officer
Stock Award
2025-12-01
3,269 shares
OBERG ROBERT C. JR
Officer
Buy
2025-10-30
1,106 shares · $10,147
MAHMOOD NABEEL
Director
Buy
2025-10-30
800 shares · $7,332
GILL JAGROOP
Director
Buy
2025-10-30
376 shares · $3,364
ELLITHORPE G THOMPSON
Director
Buy
2025-10-30
459 shares · $4,212
CAVALLA STANLEY J
Director
Stock Award
2025-10-28
1,340 shares
NEWBY KENNETH D.
Director
Stock Award
2025-10-28
1,865 shares
Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning UBFO from our newsroom.

Newest → oldest
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