UNITED SECURITY BANCSHARES

UBFO

UNITED SECURITY BANCSHARES

UBFO

Insider Sentiment (TTM):

Last Purchase:2026-05-06Last Sale:2024-12-03Shares Purchased (TTM):1,248.41Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:6,741,460Shares Outstanding:17,241,750Institutional Ownership Pct.:39.10%

Earnings Market Reaction:

Filing Date:2026-03-26Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Cash And Due From Banks	-	-	-	-	-	-	36	41	41	34	33	42
Cash Cash Equivalents And Federal Funds Sold	-	-	-	-	56	-	39	43	41	35	58	45
Cash And Cash Equivalents At Carrying Value	121	67	49	38	56	48	-	-	-	-	-	-
Investments Fair Value Di…
Available For Sale Securities Debt Securities	140	141	147	157	157	165	163	165	181	185	202	206
Equity Securities Fv Ni	3	3	3	3	3	4	3	3	3	3	3	3
Short Term Investments	143	144	150	161	161	169	166	169	185	188	206	209
Loans And Leases Receivab…
Financing Receivable Before Allowance For Credit L…	918	960	949	923	930	977	951	931	921	974	961	944
Financing Receivable Unamortized Loan Commitment O…	-2	-2	-2	-2	-2	-1	-2	-2	-1	-1	-1	-1
Financing Receivable Allowance For Credit Losses	-15	-16	-16	-15	-16	-17	-15	-15	-16	-16	-16	-16
Notes Receivable Net	901	942	931	905	912	959	934	914	904	957	944	927
Property Plant And Equipment And Finance Lease Rig…	9	9	9	8	9	9	9	9	9	9	9	9
Interest Receivable	7	7	8	9	8	8	8	8	8	8	8	8
Other Real Estate And Foreclosed Assets	8	8	8	8	5	5	5	5	5	5	5	5
Goodwill	4	4	4	4	4	4	4	4	4	4	4	4
Deferred Income Tax Assets Net	12	13	13	14	14	12	14	14	14	16	14	14
Bank Owned Life Insurance	21	21	21	21	21	21	20	22	22	23	23	23
Other Investments And Securities At Cost	4	4	4	4	4	4	3	3	3	-	-	-
Operating Lease Right Of Use Asset	3	3	3	3	3	3	3	1	1	1	2	2
Other Assets	13	13	13	17	14	14	13	13	15	26	16	14
Assets	1,248	1,236	1,214	1,192	1,212	1,255	1,212	1,212	1,211	1,273	1,289	1,261
Liabilities And Stockhold…
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	422	384	372	359	360	360	373	353	403	386	476	395
Interest Bearing Deposit Liabilities	667	692	684	667	697	705	634	603	601	601	570	716
Deposits	1,089	1,076	1,056	1,026	1,058	1,065	1,007	956	1,004	988	1,047	1,111
Federal Funds Purchased And Securities Sold Under …	-	-	-	-	-	-	-	-	-	-	-	13
Federal Funds Purchased	-	-	-	8	0	34	63	103	62	142	101	-
Operating Lease Liability	3	3	3	3	3	3	3	1	1	2	2	2
Accounts Payable And Other Accrued Liabilities	10	11	10	10	9	9	8	11	9	16	13	11
Subordinated Debt	6	9	12	11	12	11	11	11	11	11	11	11
Liabilities	1,109	1,098	1,080	1,059	1,081	1,123	1,092	1,082	1,089	1,158	1,173	1,148
Stockholders Equity
Common Stock Value	62	62	62	61	61	61	61	61	61	61	60	60
Retained Earnings Accumulated Deficit	87	86	84	84	83	83	81	79	77	74	72	69
Accumulated Other Comprehensive Income Loss Net Of…	-10	-11	-12	-13	-14	-11	-15	-16	-15	-19	-17	-17
Stockholders Equity	140	137	134	133	130	133	127	124	123	115	116	113
Liabilities And Stockholders Equity	1,248	1,236	1,214	1,192	1,212	1,255	1,220	1,206	1,211	1,273	1,289	1,261
Debt Securities Available For Sale Allowance For C…	-	-	-	-	0	-	-	-	0	0	-	-
Available For Sale Securities Excluding Nontaxable…	0	0	0	0	0	0	0	0	0	-	-	-
Nontaxable Municipal Bonds	-	-	-	-	-	-	-	0	0	-	-	-
Available For Sale Debt Securities Amortized Cost …	155	157	165	177	180	183	186	189	204	215	-	-
Common Stock Par Or Stated Value Per Share	-	-	-	-	-	-	-	-	-	0	0	0
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	-	-	-
Common Stock Shares Authorized	20	20	20	20	20	20	20	20	20	20	20	20
Common Stock Shares Issued	18	18	17	17	17	17	17	17	17	17	17	17
Shares Outstanding	18	18	17	17	17	17	17	17	17	17	17	17

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10‑Q10‑K

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Interactive Financial Visualizations

10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2025	-5.57%	-6.12%	-3.01%	10.83%	11.64%	7.33%	3.34%	7.11%	12.61%	-	-	-
2024	-1.76%	-1.89%	12.00%	7.26%	17.55%	17.72%	9.22%	12.22%	12.90%	-15.09%	1.76%	-3.19%
2023	17.44%	18.66%	23.58%	4.67%	3.83%	12.04%	-0.12%	-5.90%	-0.79%	1.62%	0.52%	0.24%
2022	-	-	-	-	-	-	-	-	-	-1.90%	-5.28%	7.41%
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Performance and Valuation Metrics

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Metrics	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31
Leverage & Debt
Interest Coverage TTM	-0.66	-0.68	-0.68	-0.36	0.11	1.03	2.82	2.96	3.49	4.13	5.59	7.41
Per Share Metrics
Diluted EPS TTM	0.70	0.65	0.65	0.77	0.85	1.03	1.03	1.04	1.16	1.15	1.19	1.13
Free Cash Flow Per Share TTM	1.15	1.23	1.20	0.84	1.08	1.21	0.71	1.07	1.20	1.29	1.87	1.69
Dividend Per Share TTM	0.49	0.48	0.48	0.48	0.48	0.47	0.48	0.47	0.46	0.46	0.44	0.44
Margin Metrics
Gross Profit Margin TTM	-307.62%	-324.58%	-369.35%	-381.51%	-376.39%	-533.51%	-522.00%	-481.42%	-422.69%	-207.52%	-101.87%	-36.98%
Operating Profit Margin TTM	565.17%	526.22%	531.60%	639.16%	696.37%	843.46%	862.94%	854.19%	941.60%	963.19%	925.82%	878.47%
Net Profit Margin TTM	415.98%	380.78%	391.04%	466.81%	506.61%	615.45%	623.44%	617.02%	678.41%	684.09%	656.88%	623.37%
Growth Metrics
Net Revenue Growth (1Y)	1.23%	3.90%	0.60%	-1.38%	0.00%	-0.38%	-8.30%	-6.98%	-3.60%	-4.75%	7.76%	11.32%
Net Income Growth (1Y)	-16.88%	-35.72%	-36.90%	-25.39%	-25.32%	-10.38%	-12.96%	-7.93%	26.20%	43.89%	71.59%	74.02%
EPS Growth (1Y)	-17.13%	-36.78%	-37.08%	-25.65%	-25.65%	-10.70%	-13.39%	-8.44%	25.66%	43.14%	70.92%	73.55%
Calculated Values
Free Cash Flow TTM	19.78M	21.46M	20.60M	14.50M	18.60M	20.74M	12.26M	18.35M	20.59M	22.16M	31.90M	28.85M
Net Debt	-120.96M	-66.77M	-49.09M	-37.89M	-56.21M	-47.92M	-38.76M	-43.00M	-40.78M	-35.30M	-58.40M	-45.15M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-06Purchase

Owner: Mahmood, Nabeel

Title: -

Shares: 198

Price/Share: $8.93

Value: $1,768.50

Shares Owned: 23,130

Relationship: Director

Ownership: Direct

2025-10-30Purchase

Owner: Ellithorpe, G Thompson

Title: -

Shares: 117

Price/Share: $9.14

Value: $1,067.00

Shares Owned: 89,012

Relationship: Director

Ownership: Direct

2025-10-30Purchase

Owner: Oberg, Robert C Jr

Title: SVP & CHIEF RISK OFFICER

Shares: 283

Price/Share: $9.14

Value: $2,588.17

Shares Owned: 25,114

Relationship: Officer

Ownership: Direct

2025-10-30Purchase

Owner: Gill, Jagroop

Title: -

Shares: 124

Price/Share: $9.14

Value: $1,137.02

Shares Owned: 4,115

Relationship: Director

Ownership: Direct

2025-10-24Purchase

Owner: Newby, Kenneth D

Title: -

Shares: 334

Price/Share: $8.86

Value: $2,963.49

Shares Owned: 25,600

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-06	Mahmood, Nabeel	Director	-	Direct	Purchase	198	8.93	$1,768.50	23,130	5
2025-10-30	Ellithorpe, G Thompson	Director	-	Direct	Purchase	117	9.14	$1,067.00	89,012	5
2025-10-30	Oberg, Robert C Jr	Officer	SVP & CHIEF RISK OFFICER	Direct	Purchase	283	9.14	$2,588.17	25,114	5
2025-10-30	Gill, Jagroop	Director	-	Direct	Purchase	124	9.14	$1,137.02	4,115	5
2025-10-24	Newby, Kenneth D	Director	-	Direct	Purchase	334	8.86	$2,963.49	25,600	5
2025-10-23	Newby, Kenneth D	Director	-	Indirect	Purchase	192	8.74	$1,674.41	14,145	5
2025-08-07	Gill, Jagroop	Director	-	Indirect	Purchase	55,814	8.34	$465,488.76	1,285,085	4/A
2025-05-29	Ellithorpe, G Thompson	Director	-	Direct	Purchase	1,949	9.79	$19,076.89	88,554	4
2024-12-03	Oberg, Robert C Jr	Officer	SVP & CHIEF RISK OFFICER	Direct	Sale	4,800	9.81	$47,088.00	18,228	4
2024-11-27	Ellithorpe, G Thompson	Director	-	Direct	Purchase	1,471	9.79	$14,405.50	86,364	4
2024-10-25	Ellithorpe, G Thompson	Director	-	Direct	Purchase	115	8.86	$1,019.70	86,605	5
2024-10-24	Oberg, Robert C Jr	Officer	SVP & CHIEF RISK OFFICER	Direct	Purchase	326	8.86	$2,890.40	20,739	5
2024-10-10	Mahmood, Nabeel	Director	-	Direct	Purchase	188	8.86	$1,662.40	14,556	5
2024-08-02	Woods, Dennis R	Director,Officer	CEO	Indirect	Purchase	2,000	7.61	$15,220.00	883,416	4
2024-07-24	Gill, Jagroop	Director	-	Indirect	Purchase	140,384	7.96	$1,117,456.64	1,220,051	4
2024-06-11	Gill, Jagroop	Director	-	Indirect	Purchase	8,255	7.20	$59,436.00	1,079,667	4
2024-06-06	Gill, Jagroop	Director	-	Indirect	Purchase	4,543	7.25	$32,936.75	1,071,412	4
2024-06-05	Gill, Jagroop	Director	-	Indirect	Purchase	707	7.25	$5,125.75	1,066,869	4
2024-06-04	Gill, Jagroop	Director	-	Indirect	Purchase	839	7.25	$6,082.75	1,066,162	4
2024-06-03	Gill, Jagroop	Director	-	Indirect	Purchase	252	7.25	$1,827.00	1,065,323	4
2024-05-30	Gill, Jagroop	Director	-	Indirect	Purchase	1,315	7.25	$9,533.75	1,065,071	4
2024-05-17	Gill, Jagroop	Director	-	Indirect	Purchase	1,090	7.25	$7,902.50	1,061,412	4
2024-05-13	Gill, Jagroop	Director	-	Indirect	Purchase	830	7.25	$6,017.50	1,060,322	4
2024-05-10	Gill, Jagroop	Director	-	Indirect	Purchase	8,080	7.25	$58,580.00	1,059,492	4
2024-04-30	Woods, Dennis R	Director,Officer	CEO	Indirect	Purchase	2,000	7.05	$14,100.00	880,876	4
2024-04-24	Tkacz, Brian	Director	-	Direct	Sale	1,000	7.41	$7,410.00	8,244	4
2024-03-15	Gill, Jagroop	Director	-	Indirect	Purchase	1,137	7.50	$8,527.50	1,051,412	4
2024-03-14	Gill, Jagroop	Director	-	Indirect	Purchase	18	7.50	$135.00	1,050,275	4
2024-03-12	Gill, Jagroop	Director	-	Indirect	Purchase	35	7.50	$262.50	1,050,257	4
2024-03-11	Gill, Jagroop	Director	-	Indirect	Purchase	2,860	7.50	$21,450.00	1,050,222	4
2024-02-20	Ellithorpe, G Thompson	Director	-	Direct	Purchase	1,449	7.59	$10,997.91	84,753	4
2024-02-07	Woods, Dennis R	Director,Officer	CEO	Indirect	Purchase	2,000	7.23	$14,460.00	878,483	4
2024-02-06	Ellithorpe, G Thompson	Director	-	Indirect	Purchase	2,000	7.19	$14,380.00	79,221	4/A
2023-12-04	Oberg, Robert C Jr	Officer	SVP & CHIEF RISK OFFICER	Direct	Sale	2,862	8.00	$22,896.00	21,668	4
2023-11-03	Woods, Dennis R	Director,Officer	CEO	Indirect	Purchase	800	7.85	$6,280.00	874,116	4
2023-09-20	Gill, Jagroop	Director	-	Indirect	Purchase	14,503	7.00	$101,521.00	1,047,098	4
2023-09-14	Ellithorpe, G Thompson	Director	-	Indirect	Purchase	2,000	7.19	$14,380.00	76,435	4
2023-09-14	Woods, Dennis R	Director,Officer	CEO	Indirect	Purchase	2,000	7.24	$14,480.00	873,316	4
2023-08-10	Walker, Thomas G	Director	-	Indirect	Purchase	1,400	7.15	$10,010.00	1,400	4
2023-08-03	Woods, Dennis R	Director,Officer	CEO	Indirect	Purchase	2,000	7.11	$14,220.00	870,910	4
2023-06-21	Oberg, Robert C Jr	Officer	SVP & CHIEF RISK OFFICER	Direct	Sale	5,000	6.73	$33,650.00	22,865	4
2023-06-07	Yarbenet, William M.	Officer	SVP & CCO	Direct	Sale	10,000	6.57	$65,700.00	32,289	4
2023-06-06	Woods, Dennis R	Director,Officer	CEO	Indirect	Purchase	1,500	7.00	$10,500.00	868,910	4
2023-06-01	Mackovak, Benjamin	Director	-	Indirect	Sale	932,491	7.00	$6,527,437.00	0	4
2023-05-22	Hammack, Heather	Director	-	Direct	Purchase	180	5.96	$1,072.80	4,003	4
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Institutional Ownership

No data available for chart

2026-03-31

39.10%

Inst. Shares: 6,741,460

Shares Outstanding: 17,241,750

2025-12-31

37.93%

Inst. Shares: 6,540,505

Shares Outstanding: 17,241,750

2025-09-30

35.39%

Inst. Shares: 6,187,812

Shares Outstanding: 17,483,334

2025-06-30

35.73%

Inst. Shares: 6,158,347

Shares Outstanding: 17,235,873

2025-03-31

25.68%

Inst. Shares: 4,424,094

Shares Outstanding: 17,229,743

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	6,741,460	17,241,750	39.10%
2025-12-31	6,540,505	17,241,750	37.93%
2025-09-30	6,187,812	17,483,334	35.39%
2025-06-30	6,158,347	17,235,873	35.73%
2025-03-31	4,424,094	17,229,743	25.68%
2024-12-31	5,548,606	17,188,384	32.28%
2024-09-30	5,004,043	17,194,024	29.10%
2024-06-30	5,311,287	17,186,266	30.90%
2024-03-31	4,701,524	17,170,907	27.38%
2023-12-31	4,580,114	17,114,214	26.76%
2023-09-30	4,341,296	17,132,080	25.34%
2023-06-30	4,474,410	17,102,740	26.16%
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UNITED SECURITY BANCSHARES (UBFO) — SEC Financial Statements & Analysis

UNITED SECURITY BANCSHARES (UBFO) is a national commercial banks company, incorporated in CA. UNITED SECURITY BANCSHARES trades on Nasdaq as: UBFO. Based on its latest SEC filing (Form 10-Q, period ending 2025-12-31), UNITED SECURITY BANCSHARES reported a 1.23% year-over-year revenue growth, a Gross Profit Margin of -307.62% (TTM). Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 1.23%
Gross Profit Margin TTM: -307.62%

Data as of 2025-12-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is UNITED SECURITY BANCSHARES in?

UNITED SECURITY BANCSHARES (UBFO) operates in the National Commercial Banks industry.

What exchange does UBFO trade on?

UNITED SECURITY BANCSHARES (UBFO) trades on the Nasdaq.

Where is UNITED SECURITY BANCSHARES incorporated?

UNITED SECURITY BANCSHARES is incorporated in CA.