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Upturn AI SWOT - About
UBFO 
United Security Bancshares (UBFO)
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Upturn Advisory Summary
04/01/2025: UBFO (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Analysis of Past Performance
Type Stock | Historic Profit 61.87% | Avg. Invested days 118 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 164.22M USD | Price to earnings Ratio 9.12 | 1Y Target Price - |
Price to earnings Ratio 9.12 | 1Y Target Price - | ||
Volume (30-day avg) 23076 | Beta 0.56 | 52 Weeks Range 6.73 - 10.37 | Updated Date 03/30/2025 |
52 Weeks Range 6.73 - 10.37 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 5.08% | Basic EPS (TTM) 1.04 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.04% | Operating Margin (TTM) 43.42% |
Management Effectiveness
Return on Assets (TTM) 1.4% | Return on Equity (TTM) 14.27% |
Valuation
Trailing PE 9.12 | Forward PE - | Enterprise Value 164963744 | Price to Sales(TTM) 3.23 |
Enterprise Value 164963744 | Price to Sales(TTM) 3.23 | ||
Enterprise Value to Revenue 3.32 | Enterprise Value to EBITDA - | Shares Outstanding 17322800 | Shares Floating 13645483 |
Shares Outstanding 17322800 | Shares Floating 13645483 | ||
Percent Insiders 21.19 | Percent Institutions 29.3 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
United Security Bancshares
Company Overview
History and Background
United Security Bancshares is a financial holding company that provides community banking services. Founded in 1904, it has grown through organic expansion and acquisitions.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans, and other financial services to individuals, small businesses, and corporations.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is hierarchical, with clear lines of authority and responsibility.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. Market share data not publicly available at a granular level. Competitors include larger regional and national banks like Wells Fargo (WFC) and Bank of America (BAC).
- Consumer Loans: Offers personal loans, auto loans, and mortgage loans. Market share data not publicly available. Competitors include credit unions and online lenders.
- Deposit Accounts: Provides checking, savings, and money market accounts. Market share data not publicly available. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic fluctuations. Community banks play a vital role in local economies.
Positioning
United Security Bancshares is positioned as a community bank focused on building relationships with local customers and businesses.
Total Addressable Market (TAM)
The TAM for community banking services in Alabama is estimated to be billions of dollars. United Security Bancshares' position is a local player serving the local community with opportunity for growth.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking products
Opportunities
- Expansion into new markets
- Increased demand for digital banking services
- Acquisition of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Regions Financial Corporation (RF)
- ServisFirst Bancshares (SFBS)
Competitive Landscape
United Security Bancshares faces competition from larger regional and national banks, as well as smaller community banks. Its competitive advantage lies in its local focus and customer relationships.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Requires historical financial data and information on strategic initiatives.
Future Projections: Requires analyst estimates and company guidance.
Recent Initiatives: Requires access to press releases and company reports.
Summary
United Security Bancshares is a community bank with a strong local presence. Its strength lies in its customer relationships. The company needs to be aware of the threats from larger financial companies and changing regulations and will need to continue to evolve.
Similar Companies
RF
Regions Financial Corporation
RF
Regions Financial Corporation
SFBS
ServisFirst Bancshares Inc
SFBS
ServisFirst Bancshares Inc
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Security Bancshares
Exchange NASDAQ | Headquaters Fresno, CA, United States | ||
IPO Launch date 1999-03-03 | Chairman of the Board, President & CEO Mr. Dennis R. Woods M.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 114 | |
Full time employees 114 | |||
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, and foreign draft services, as well as interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.
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