What is UBFO's health score?

UNITED SECURITY BANCSHARES (UBFO) has a TradeApes health score of 55 out of 100, rated Mixed. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is UBFO's estimated fair value?

Based on our 5-year discounted cash flow model, UNITED SECURITY BANCSHARES's estimated fair value is $9.54 per share, representing a -9.3% downside from the current price. This is a model estimate, not a price target or investment recommendation.

Is UBFO undervalued or overvalued?

Our model currently rates UBFO as Fair Value. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

Crunching the numbers for UBFO... Refresh in a moment for the full analysis.

UNITED SECURITY BANCSHARES (UBFO)

Financials Fair Value medium mixed

$10.51

Updated: 2026-06-05

TradeApes Score

Financial Strength

55 Mixed

Operating Trend

50 Mixed

Relative Value

65 Healthy

Capital Allocation

30 Weak

Risk

80 Strong

Est. Fair Value $9.54

DCF Upside -9.3%

Sector Rank #3648 of 6290

Key Findings

+ High FCF yield — above 7%, strong cash return relative to price paid

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− Excessive stock comp — SBC above 15% of revenue, wealth transfer to employees

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TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

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