🏢 What kind of company is United Security Bancshares?

United Security Bancshares is a community bank holding company headquartered in Fresno, California, USA. It is listed on NASDAQ under the ticker 'UBFO' and operates 13 branches across California's Central San Joaquin Valley region through its subsidiary, United Security Bank. Founded in 2001 as a community-focused local bank, it primarily serves small and medium-sized businesses, professionals, and individuals in Fresno, Madera, Kern, and Santa Clara counties. In December 2025, the company announced an all-stock merger agreement with Community West Bancshares (CWBC), and received regulatory approval on March 16, 2026.

How does it make money?

United Security Bancshares generates revenue through traditional net interest margin and fee income.

For fiscal year 2023, the company posted annual revenue of $53.43 million (+15.9% YoY) and net income of $19.80 million (+26.2% YoY). It continues to pay a quarterly dividend of $0.12 per share, with a P/E ratio of approximately 14.46x.

United Security Bancshares has a market capitalization of $185.0M, equivalent to About 0% of Samsung Electronics' market cap. The company employs 113 people people, with roughly 110 staff operating 13 branches across California's Central Valley.

📈 United Security Bancshares Outlook and Stock Price Trends

The biggest near-term catalyst for UBFO's stock is its merger with Community West Bancshares (CWBC). The company signed an all-stock merger agreement in December 2025 and secured regulatory approval on March 16, 2026. If the shareholder vote scheduled for March 30, 2026 passes, the combined entity will be reborn as a mid-sized California community bank with approximately $5 billion in combined assets.

Once the merger closes, shares will convert into CWBC stock and UBFO will likely be delisted. Over the longer term, expanding loan demand from Central Valley agriculture and small businesses, along with an improving interest rate environment, will form the foundation for better profitability.

⚔️ Core Competitive Strengths and Risks

United Security Bancshares' strengths are its deep Central Valley presence and specialized agricultural lending expertise, while merger-completion uncertainty and limited scale pose risks.

🔄 Competitors and Related (Beneficiary) Stocks

Competitors include merger partner and fellow Central California community bank Community West Bancshares (CWBC), California Korean-American community bank Hanmi Financial (HAFC), and Heritage Commerce Corp (HTBK), which serves the Bay Area and Central Valley regions — all holding similar California regional bank positions.

Related (beneficiary) stocks include the largest Central Valley financial institution CVB Financial (CVBF), western regional community bank Banner Financial (BANR), and merger partner Community West Bancshares (CWBC) — companies operating in the same California agricultural and small-business finance environment as UBFO.

Compare United Security Bancshares' stock price, market cap, and valuation metrics against its competitors and related stocks in the real-time table below.

✅ Investor Checklist

United Security Bancshares is currently a small California community bank in the midst of a merger with CWBC. Upon closing, existing shares will convert into CWBC stock, making this effectively a merger-arbitrage investment.

For stocks with a deal in progress, share prices tend to converge toward the merger terms, so this investment is better suited to holding until conversion into CWBC shares after the deal closes, rather than short-term trading.

In summary, United Security Bancshares is a small California Central Valley community bank specializing in agricultural and small-business lending, and the closing of its merger with CWBC is the key stock catalyst.

Check United Security Bancshares' real-time quotes, technical indicators, and peer comparisons at a glance on US Stock Today's real-time dashboard.