United Security Bancshares Net Income
| UBFO Stock | USD 11.07 0.34 2.98% |
As of the 10th of February, United Security has the Semi Deviation of 0.6582, coefficient of variation of 385.32, and Risk Adjusted Performance of 0.2124. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Security Banc, as well as the relationship between them.
United Security Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.87 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 17 M | 8.6 M | |
| Net Income Applicable To Common Shares | 18 M | 18.9 M | |
| Net Income From Continuing Ops | 17 M | 13.1 M | |
| Net Income Per Share | 0.71 | 0.38 | |
| Net Income Per E B T | 0.74 | 0.54 |
United | Net Income | Build AI portfolio with United Stock |
Evaluating United Security's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into United Security Bancshares's fundamental strength.
Latest United Security's Net Income Growth Pattern
Below is the plot of the Net Income of United Security Bancshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in United Security Banc financial statement analysis. It represents the amount of money remaining after all of United Security Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is United Security's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in United Security's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 14.78 M | 10 Years Trend |
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Net Income |
| Timeline |
United Net Income Regression Statistics
| Arithmetic Mean | 9,126,103 | |
| Coefficient Of Variation | 73.11 | |
| Mean Deviation | 4,465,562 | |
| Median | 8,640,000 | |
| Standard Deviation | 6,671,710 | |
| Sample Variance | 44.5T | |
| Range | 30.6M | |
| R-Value | 0.68 | |
| Mean Square Error | 25.3T | |
| R-Squared | 0.47 | |
| Significance | 0 | |
| Slope | 903,718 | |
| Total Sum of Squares | 712.2T |
United Net Income History
Other Fundumenentals of United Security Banc
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
United Security Net Income component correlations
United Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for United Security is extremely important. It helps to project a fair market value of United Stock properly, considering its historical fundamentals such as Net Income. Since United Security's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of United Security's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of United Security's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Regional Banks sector continue expanding? Could United diversify its offerings? Factors like these will boost the valuation of United Security. If investors know United will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every United Security data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.045 | Dividend Share 0.48 | Earnings Share 0.65 | Revenue Per Share | Quarterly Revenue Growth 0.066 |
Investors evaluate United Security Banc using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating United Security's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause United Security's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between United Security's value and its price as these two are different measures arrived at by different means. Investors typically determine if United Security is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, United Security's market price signifies the transaction level at which participants voluntarily complete trades.
United Security 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to United Security's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of United Security.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in United Security on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding United Security Bancshares or generate 0.0% return on investment in United Security over 90 days. United Security is related to or competes with BV Financial, Citizens Community, Hanover Bancorp, Ohio Valley, First Capital, Peoples Bancorp, and First Internet. United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that pr... More
United Security Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure United Security's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess United Security Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.02 | |||
| Information Ratio | 0.1889 | |||
| Maximum Drawdown | 5.92 | |||
| Value At Risk | (1.38) | |||
| Potential Upside | 3.25 |
United Security Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for United Security's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as United Security's standard deviation. In reality, there are many statistical measures that can use United Security historical prices to predict the future United Security's volatility.| Risk Adjusted Performance | 0.2124 | |||
| Jensen Alpha | 0.3396 | |||
| Total Risk Alpha | 0.1979 | |||
| Sortino Ratio | 0.2574 | |||
| Treynor Ratio | 2.69 |
United Security February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.2124 | |||
| Market Risk Adjusted Performance | 2.7 | |||
| Mean Deviation | 1.06 | |||
| Semi Deviation | 0.6582 | |||
| Downside Deviation | 1.02 | |||
| Coefficient Of Variation | 385.32 | |||
| Standard Deviation | 1.39 | |||
| Variance | 1.94 | |||
| Information Ratio | 0.1889 | |||
| Jensen Alpha | 0.3396 | |||
| Total Risk Alpha | 0.1979 | |||
| Sortino Ratio | 0.2574 | |||
| Treynor Ratio | 2.69 | |||
| Maximum Drawdown | 5.92 | |||
| Value At Risk | (1.38) | |||
| Potential Upside | 3.25 | |||
| Downside Variance | 1.04 | |||
| Semi Variance | 0.4332 | |||
| Expected Short fall | (1.39) | |||
| Skewness | 0.5628 | |||
| Kurtosis | 0.8903 |
United Security Banc Backtested Returns
United Security appears to be not too volatile, given 3 months investment horizon. United Security Banc owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.16, which indicates the firm had a 0.16 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for United Security Bancshares, which you can use to evaluate the volatility of the company. Please review United Security's Semi Deviation of 0.6582, coefficient of variation of 385.32, and Risk Adjusted Performance of 0.2124 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, United Security holds a performance score of 12. The entity has a beta of 0.13, which indicates not very significant fluctuations relative to the market. As returns on the market increase, United Security's returns are expected to increase less than the market. However, during the bear market, the loss of holding United Security is expected to be smaller as well. Please check United Security's semi variance, and the relationship between the treynor ratio and daily balance of power , to make a quick decision on whether United Security's existing price patterns will revert.
Auto-correlation | 0.79 |
Good predictability
United Security Bancshares has good predictability. Overlapping area represents the amount of predictability between United Security time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of United Security Banc price movement. The serial correlation of 0.79 indicates that around 79.0% of current United Security price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.79 | |
| Spearman Rank Test | 0.76 | |
| Residual Average | 0.0 | |
| Price Variance | 0.22 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
United Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, United Security Bancshares reported net income of 14.78 M. This is 98.84% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 97.41% higher than that of the company.
United Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses United Security's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of United Security could also be used in its relative valuation, which is a method of valuing United Security by comparing valuation metrics of similar companies.United Security is currently under evaluation in net income category among its peers.
United Security ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, United Security's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to United Security's managers, analysts, and investors.Environmental | Governance | Social |
United Security Institutional Holders
Institutional Holdings refers to the ownership stake in United Security that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of United Security's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing United Security's value.| Shares | Ycmnet Advisors Inc | 2025-06-30 | 94.5 K | Renaissance Technologies Corp | 2025-06-30 | 92 K | American Century Companies Inc | 2025-06-30 | 84.8 K | Barclays Plc | 2025-06-30 | 60.5 K | Empowered Funds, Llc | 2025-06-30 | 57.5 K | Hpm Partners Llc | 2025-06-30 | 52.9 K | Private Wealth Advisors, Llc | 2025-06-30 | 51.6 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 50.8 K | Charles Schwab Investment Management Inc | 2025-06-30 | 40.5 K | Bridgewealth Advisory Group Llc | 2025-06-30 | 1.2 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 914.7 K |
United Fundamentals
| Return On Equity | 0.0842 | ||||
| Return On Asset | 0.0091 | ||||
| Profit Margin | 0.25 % | ||||
| Operating Margin | 0.45 % | ||||
| Current Valuation | 116.77 M | ||||
| Shares Outstanding | 17.58 M | ||||
| Shares Owned By Insiders | 22.22 % | ||||
| Shares Owned By Institutions | 36.02 % | ||||
| Number Of Shares Shorted | 137.74 K | ||||
| Price To Earning | 15.74 X | ||||
| Price To Book | 1.41 X | ||||
| Price To Sales | 4.09 X | ||||
| Revenue | 65.9 M | ||||
| Gross Profit | 45.92 M | ||||
| EBITDA | 16.7 M | ||||
| Net Income | 14.78 M | ||||
| Cash And Equivalents | 126.03 M | ||||
| Cash Per Share | 7.39 X | ||||
| Total Debt | 13.01 M | ||||
| Debt To Equity | 11.80 % | ||||
| Book Value Per Share | 7.83 X | ||||
| Cash Flow From Operations | 19.64 M | ||||
| Short Ratio | 5.91 X | ||||
| Earnings Per Share | 0.65 X | ||||
| Number Of Employees | 114 | ||||
| Beta | 0.34 | ||||
| Market Capitalization | 171.01 M | ||||
| Total Asset | 1.25 B | ||||
| Retained Earnings | 87.32 M | ||||
| Annual Yield | 0.05 % | ||||
| Five Year Return | 4.70 % | ||||
| Net Asset | 1.25 B | ||||
| Last Dividend Paid | 0.48 |
About United Security Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze United Security Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of United Security using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of United Security Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with United Security
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if United Security position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in United Security will appreciate offsetting losses from the drop in the long position's value.Moving together with United Stock
| 0.85 | BIRG | Bank of Ireland | PairCorr |
| 0.89 | AX | Axos Financial | PairCorr |
| 0.62 | VABK | Virginia National | PairCorr |
| 0.79 | FFIN | First Financial Bank | PairCorr |
Moving against United Stock
The ability to find closely correlated positions to United Security could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace United Security when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back United Security - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling United Security Bancshares to buy it.
The correlation of United Security is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as United Security moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if United Security Banc moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for United Security can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out You can also try the Portfolio Diagnostics module to use generated alerts and portfolio events aggregator to diagnose current holdings.
Will Regional Banks sector continue expanding? Could United diversify its offerings? Factors like these will boost the valuation of United Security. If investors know United will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every United Security data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.045 | Dividend Share 0.48 | Earnings Share 0.65 | Revenue Per Share | Quarterly Revenue Growth 0.066 |
Investors evaluate United Security Banc using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating United Security's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause United Security's market price to deviate significantly from intrinsic value.
Please note, there is a significant difference between United Security's value and its price as these two are different measures arrived at by different means. Investors typically determine if United Security is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Conversely, United Security's market price signifies the transaction level at which participants voluntarily complete trades.