What is the 13F Pro Quality Score for UBFO?

13F Pro ranks UNITED SECURITY BANCSHARES (UBFO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View UBFO's current score at https://13fpro.ai/research/UBFO (free sign-up required for the full ranking).

Where does 13F Pro source UBFO data?

All UNITED SECURITY BANCSHARES fundamentals and ownership data come directly from SEC EDGAR. UNITED SECURITY BANCSHARES files with the SEC under CIK 1137547. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is UBFO in?

UNITED SECURITY BANCSHARES (UBFO) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is UBFO research updated on 13F Pro?

UBFO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

UNITED SECURITY BANCSHARES(UBFO)Stock Analysis

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13F Pro Quality Score

53.1/100

Rank #1,305 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

35.0/100

Profitability

98.3/100

Balance Sheet

44.2/100

Earnings Quality

18.3/100

Free Cash Flow

98.7/100

Institutional Flow

72.3/100

Revenue Scale

1.3/100

Dilution Risk

6.0/100

UBFO Stock Analysis & AI Quality Score

AI stock analysis and institutional research for UNITED SECURITY BANCSHARES (UBFO), a Financials sector company. 13F Pro's AI-powered ranking engine scores UBFO at 53.1/100 on a 32-signal composite quality model, placing it at rank #1,305 of 2,879 stocks — the top half of the AI-ranked universe. UBFO scores in the top quartile across free cash flow (98.7), profitability (98.3). Areas of concern include revenue scale (1.3) and earnings quality (18.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 6.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q4 2025), UNITED SECURITY BANCSHARES reports quarterly revenue of $13.5M, net income of $3.4M, free cash flow of $2.6M. Top institutional holders of UBFO by reported 13-F value include Bridgewealth Advisory Group,, DIMENSIONAL FUND ADVISORS, Fourthstone, based on the most recent SEC filings. UBFO trades on the Nasdaq exchange and files with the SEC under CIK 1137547. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate UBFO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for UNITED SECURITY BANCSHARES directly from SEC EDGAR. UNITED SECURITY BANCSHARES's 13F Pro composite quality score has ranged between 47 and 59 since 2024, currently 53.1 — a declining long-term trajectory across 15 quarterly and live scoring snapshots.

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Fun facts about UNITED SECURITY BANCSHARES

Quirks, history, and lore behind UBFO — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in California's Central Valley.
2
The Numbers
Total assets in the roughly $1 billion range — not exactly a Wall Street titan, but a steady dividend payer that income investors quietly love.
3
The History
Traces its roots back to the early 1900s, making it one of the longer-standing community banking institutions in California's agricultural heartland.
4
The Secret
Its bread and butter is commercial real estate and small business lending — the kind of banking that keeps farms, warehouses, and family shops running in the San Joaquin Valley.
5
The Lore
Operating primarily through its flagship bank subsidiary, it serves a region that grows a huge share of the nation's fruits, nuts, and vegetables — banking for the people who feed America.
6
The Giveaway
Headquartered in Fresno, California, its holding company name telegraphs exactly what it does: providing security to the United communities of the Central Valley.

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Revenue

Q4 2025

$13.5M

Net Income

Q4 2025

$3.4M

Free Cash Flow

Q4 2025

$2.6M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+1.2% YoY

$3.0MFY 2025

FY22 $3.0MFY23 $2.9MFY24 $2.9MFY25 $3.0M

Net Income

-16.9% YoY

$12.3MFY 2025

FY22 $15.7MFY23 $19.8MFY24 $14.8MFY25 $12.3M

EPS (Diluted)

-17.6% YoY

$0.70FY 2025

FY22 $0.92FY23 $1.16FY24 $0.85FY25 $0.70

Total Assets

+3.0% YoY

$1.25BFY 2025

FY22 $1.30BFY23 $1.21BFY24 $1.21BFY25 $1.25B

Op. Cash Flow

+12.3% YoY

$22.1MFY 2025

FY22 $23.7MFY23 $21.4MFY24 $19.6MFY25 $22.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$3.0M +1.2%	$2.9M +0.0%	$2.9M -3.6%	$3.0M +8.4%	$2.8M +4.9%	$2.7M
Net Income	$12.3M -16.9%	$14.8M -25.3%	$19.8M +26.2%	$15.7M +55.3%	$10.1M +12.7%	$9.0M
EPS (Diluted)	$0.70 -17.6%	$0.85 -26.7%	$1.16 +26.1%	$0.92 +55.9%	$0.59 +11.3%	$0.53
Total Assets	$1.25B +3.0%	$1.21B +0.1%	$1.21B -6.8%	$1.30B -2.4%	$1.33B +21.8%	$1.09B
Operating Cash Flow	$22.1M +12.3%	$19.6M -8.1%	$21.4M -9.8%	$23.7M +43.2%	$16.6M +19.9%	$13.8M

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Available Research

13F Pro tracks comprehensive data for UNITED SECURITY BANCSHARES including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of UBFO

Bridgewealth Advisory Group, LLC
$12.6M1,203,437 sh
DIMENSIONAL FUND ADVISORS LP
$9.7M926,632 sh
Fourthstone LLC
$7.0M664,342 sh
BlackRock, Inc.
$6.8M649,837 sh
VANGUARD CAPITAL MANAGEMENT LLC
$6.1M584,697 sh
BANC FUNDS CO LLC
$5.6M532,316 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.2M302,780 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$1.7M159,771 sh
STATE STREET CORP
$1.5M143,023 sh
RENAISSANCE TECHNOLOGIES LLC
$1.2M113,948 sh

Fund	Value	Shares
Bridgewealth Advisory Group, LLC	$12.6M	1,203,437
DIMENSIONAL FUND ADVISORS LP	$9.7M	926,632
Fourthstone LLC	$7.0M	664,342
BlackRock, Inc.	$6.8M	649,837
VANGUARD CAPITAL MANAGEMENT LLC	$6.1M	584,697
BANC FUNDS CO LLC	$5.6M	532,316
GEODE CAPITAL MANAGEMENT, LLC	$3.2M	302,780
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$1.7M	159,771
STATE STREET CORP	$1.5M	143,023
RENAISSANCE TECHNOLOGIES LLC	$1.2M	113,948

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Is UBFO a good stock to buy?

13F Pro's AI-powered analysis of UNITED SECURITY BANCSHARES (UBFO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for UBFO are available on the UBFO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own UBFO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling UBFO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of UNITED SECURITY BANCSHARES's investment landscape.