UNITED SECURITY BANCSHARES(UBFO)Stock Analysis
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Rank #2,437 of 2,962 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
UBFO Stock Analysis & AI Quality Score
Data updated 2026-08-29AI stock analysis and institutional research for UNITED SECURITY BANCSHARES (UBFO), a Financials sector company. 13F Pro's AI-powered ranking engine scores UBFO at 32.1/100 on a 32-signal composite quality model, placing it at rank #2,437 of 2,962 stocks — the bottom half of the AI-ranked universe. UBFO scores in the top quartile across free cash flow (89.2), profitability (76.4). Areas of concern include revenue scale (9.6) and revenue growth (21.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 5.8/100, 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 32 and 59 since 2024, currently 32.1 — a declining long-term trajectory across 31 quarterly and live scoring snapshots.
Revenue
Q4 2025
$13.5M
Net Income
Q4 2025
$3.4M
Free Cash Flow
Q4 2025
$2.6M
ROIC
Q4 2025
12.2%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+4.4% YoYNet Income
-16.9% YoYEPS (Diluted)
-17.6% YoYTotal Assets
+3.0% YoYOp. Cash Flow
+12.3% YoYFree Cash Flow
+6.3% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $53.9M +4.4% | $51.6M -6.1% | $54.9M +14.6% | $47.9M +22.7% | $39.0M +4.2% | $37.5M |
| 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 |
| Free Cash Flow | $19.8M +6.3% | $18.6M -9.7% | $20.6M -4.5% | $21.6M +40.9% | $15.3M +20.8% | $12.7M |
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Top Institutional Holders of UBFO
Bridgewealth Advisory Group, LLC
$12.6M1,203,437 shDIMENSIONAL FUND ADVISORS LP
$9.7M926,632 shFourthstone LLC
$7.0M664,342 shBlackRock, Inc.
$6.8M649,837 shVANGUARD CAPITAL MANAGEMENT LLC
$6.1M584,697 shBANC FUNDS CO LLC
$5.6M532,316 shGEODE CAPITAL MANAGEMENT, LLC
$3.2M302,780 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$1.7M159,771 shSTATE STREET CORP
$1.5M143,023 shRENAISSANCE 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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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
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. UBFO is classified as a small company.
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.