United Security Bancshares (UBFO)

In the past six months, United Security Bancshares (UBFO) stock reached a 52-week high of $9.86 on December 2, 2024, with a year-to-date return of 24.2% and a six-month gain of 39.6%. As of October 24, 2025, the stock traded at $9.10, decreasing by 5.11% over the past month. The company has consistently declared regular quarterly cash dividends, such as the $0.12 per share dividend declared on September 23, 2025, payable on October 21, 2025.

The local economies where United Security Bancshares operates, particularly Fresno, Kern, and Madera counties, have historically shown some seasonality due to their reliance on agriculture. This reliance can lead to fluctuations in employment rates, which in turn could influence the demand for banking products and services, especially lending products like agricultural loans and commercial loans tied to local businesses.

United Security Bancshares (UBFO) functions as the bank holding company for United Security Bank, delivering a wide array of commercial banking services in the United States. The company's offerings include deposit instruments like checking, savings, and money market accounts, as well as lending services such as real estate, commercial, and agricultural loans. UBFO also provides modern banking solutions like online and mobile banking, serving the business, professional, and individual communities.

United Security Bancshares is headquartered in Fresno, California, and operates through United Security Bank, which has 13 full-service branch offices. These branches are strategically located across several California counties, including Fresno, Madera, Kern, and Santa Clara. The bank also maintains specialized Commercial Real Estate Construction, Commercial Lending, and Consumer Lending departments.

United Security Bancshares generally maintains a positive news sentiment, with a news sentiment score of 1.11, higher than the average for Finance companies. The company announced the appointment of Jay Gill as Vice Chairman on September 24, 2025, and reported positive third-quarter 2025 earnings on October 16, 2025, and second-quarter 2025 earnings, contributing to a favorable perception.

Retail investors hold 53% of United Security Bancshares, while institutional ownership stands at 25%, and insiders hold 22%. The top 25 shareholders collectively own 43% of the company. Major institutional owners include Vanguard Group Inc. and Dimensional Fund Advisors LP. In the past three months, insiders have bought more company stock than they have sold, with purchases totaling $465,489.00 and no sales.