United Security Bancshares
United Security Bancshares operates as the bank holding company for United Security Bank that provides a range of commercial banking services in the United States. The company offers deposit instruments, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also pro… Read more
United Security Bancshares (UBFO) - Net Assets
Latest net assets as of December 2025: $139.68 Million USD
Based on the latest financial reports, United Security Bancshares (UBFO) has net assets worth $139.68 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.25 Billion) and total liabilities ($1.11 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $139.68 Million |
| % of Total Assets | 11.19% |
| Annual Growth Rate | 6.58% |
| 5-Year Change | 16.2% |
| 10-Year Change | 44.96% |
| Growth Volatility | 12.95 |
United Security Bancshares - Net Assets Trend (1998–2025)
This chart illustrates how United Security Bancshares's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for United Security Bancshares (1998–2025)
The table below shows the annual net assets of United Security Bancshares from 1998 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $139.68 Million | +7.15% |
| 2024-12-31 | $130.36 Million | +6.38% |
| 2023-12-31 | $122.54 Million | +8.96% |
| 2022-12-31 | $112.46 Million | -6.44% |
| 2021-12-31 | $120.21 Million | +2.04% |
| 2020-12-31 | $117.81 Million | +1.57% |
| 2019-12-31 | $115.99 Million | +6.18% |
| 2018-12-31 | $109.24 Million | +7.78% |
| 2017-12-31 | $101.35 Million | +5.18% |
| 2016-12-31 | $96.36 Million | +7.50% |
| 2015-12-31 | $89.64 Million | +8.22% |
| 2014-12-31 | $82.83 Million | +8.21% |
| 2013-12-31 | $76.54 Million | +10.23% |
| 2012-12-31 | $69.44 Million | +11.69% |
| 2011-12-31 | $62.17 Million | -15.15% |
| 2010-12-31 | $73.27 Million | -3.36% |
| 2009-12-31 | $75.82 Million | -4.76% |
| 2008-12-31 | $79.61 Million | -3.42% |
| 2007-12-31 | $82.43 Million | +24.82% |
| 2006-12-31 | $66.04 Million | +11.91% |
| 2005-12-31 | $59.01 Million | +10.85% |
| 2004-12-31 | $53.24 Million | +18.21% |
| 2003-12-31 | $45.04 Million | +11.03% |
| 2002-12-31 | $40.56 Million | -20.56% |
| 2001-12-31 | $51.06 Million | +51.29% |
| 2000-12-31 | $33.75 Million | +19.19% |
| 1999-12-31 | $28.32 Million | +13.31% |
| 1998-12-31 | $24.99 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to United Security Bancshares's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 8732400000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $87.32 Million | 62.52% |
| Common Stock | $62.24 Million | 44.56% |
| Other Comprehensive Income | $-9.88 Million | -7.07% |
| Total Equity | $139.68 Million | 100.00% |
United Security Bancshares Competitors by Market Cap
The table below lists competitors of United Security Bancshares ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Kelly Partners Group Holdings Limited
OTCQX:KPGHF
|
$137.81 Million |
|
Modiv Inc
NYSE:MDV
|
$137.82 Million |
|
Shanghai Karon Eco-Valve Manufacturing Co. Ltd.
SHE:301151
|
$137.84 Million |
|
Kaveri Seed Company Limited
NSE:KSCL
|
$137.91 Million |
|
West Red Lake Gold Mines Ltd.
OTCGREY:WRLGF
|
$137.79 Million |
|
FAP Agri Tbk PT
JK:FAPA
|
$137.79 Million |
|
Jiangsu Nanfang Medical
SHG:603880
|
$137.76 Million |
|
China Fangda Group Co Ltd
SHE:200055
|
$137.75 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in United Security Bancshares's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 130,362,000 to 139,683,000, a change of 9,321,000 (7.2%).
- Net income of 12,288,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 4,475,000.
- Other factors decreased equity by 7,442,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $12.29 Million | +8.8% |
| Other Comprehensive Income | $4.47 Million | +3.2% |
| Other Changes | $-7.44 Million | -5.33% |
| Total Change | $- | 7.15% |
Book Value vs Market Value Analysis
This analysis compares United Security Bancshares's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.25x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 6.31x to 1.25x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1998-12-31 | $1.61 | $10.14 | x |
| 1999-12-31 | $1.81 | $10.14 | x |
| 2000-12-31 | $2.13 | $10.14 | x |
| 2001-12-31 | $3.24 | $10.14 | x |
| 2002-12-31 | $2.61 | $10.14 | x |
| 2003-12-31 | $2.88 | $10.14 | x |
| 2004-12-31 | $3.32 | $10.14 | x |
| 2005-12-31 | $3.64 | $10.14 | x |
| 2006-12-31 | $4.07 | $10.14 | x |
| 2007-12-31 | $4.82 | $10.14 | x |
| 2008-12-31 | $4.71 | $10.14 | x |
| 2009-12-31 | $4.50 | $10.14 | x |
| 2010-12-31 | $4.35 | $10.14 | x |
| 2011-12-31 | $3.69 | $10.14 | x |
| 2012-12-31 | $4.12 | $10.14 | x |
| 2013-12-31 | $4.54 | $10.14 | x |
| 2014-12-31 | $4.91 | $10.14 | x |
| 2015-12-31 | $5.31 | $10.14 | x |
| 2016-12-31 | $5.71 | $10.14 | x |
| 2017-12-31 | $6.00 | $10.14 | x |
| 2018-12-31 | $6.45 | $10.14 | x |
| 2019-12-31 | $6.83 | $10.14 | x |
| 2020-12-31 | $6.93 | $10.14 | x |
| 2021-12-31 | $7.06 | $10.14 | x |
| 2022-12-31 | $6.59 | $10.14 | x |
| 2023-12-31 | $7.16 | $10.14 | x |
| 2024-12-31 | $7.58 | $10.14 | x |
| 2025-12-31 | $8.10 | $10.14 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently United Security Bancshares utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.80%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.65%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.94x
- Recent ROE (8.80%) is below the historical average (10.16%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1998 | 16.87% | 105.48% | 0.01x | 11.20x | $1.72 Million |
| 1999 | 17.39% | 129.35% | 0.01x | 9.94x | $2.09 Million |
| 2000 | 18.54% | 19.88% | 0.09x | 10.57x | $2.88 Million |
| 2001 | 12.13% | 18.03% | 0.08x | 8.83x | $1.09 Million |
| 2002 | 16.85% | 20.05% | 0.07x | 12.80x | $2.78 Million |
| 2003 | 17.11% | 23.21% | 0.07x | 11.25x | $3.20 Million |
| 2004 | 15.79% | 23.60% | 0.06x | 11.49x | $3.08 Million |
| 2005 | 18.65% | 24.37% | 0.07x | 10.66x | $5.11 Million |
| 2006 | 20.23% | 23.69% | 0.08x | 10.27x | $6.76 Million |
| 2007 | 13.66% | 16.85% | 0.09x | 9.36x | $3.01 Million |
| 2008 | 5.11% | 7.61% | 0.07x | 9.56x | $-3.89 Million |
| 2009 | -5.98% | -10.81% | 0.06x | 9.13x | $-12.12 Million |
| 2010 | -6.06% | -11.55% | 0.06x | 9.26x | $-11.77 Million |
| 2011 | -17.39% | -33.11% | 0.05x | 10.48x | $-17.03 Million |
| 2012 | 8.74% | 19.35% | 0.05x | 9.34x | $-875.10K |
| 2013 | 9.50% | 26.47% | 0.04x | 8.31x | $-385.30K |
| 2014 | 7.50% | 20.66% | 0.05x | 8.01x | $-2.07 Million |
| 2015 | 7.60% | 21.14% | 0.04x | 8.10x | $-2.15 Million |
| 2016 | 7.66% | 21.73% | 0.04x | 8.17x | $-2.25 Million |
| 2017 | 8.52% | 23.25% | 0.05x | 7.95x | $-1.50 Million |
| 2018 | 12.83% | 34.06% | 0.04x | 8.54x | $3.09 Million |
| 2019 | 13.08% | 32.30% | 0.05x | 8.25x | $3.57 Million |
| 2020 | 7.61% | 22.59% | 0.04x | 9.27x | $-2.82 Million |
| 2021 | 8.40% | 24.61% | 0.03x | 11.07x | $-1.92 Million |
| 2022 | 13.95% | 30.76% | 0.04x | 11.55x | $4.44 Million |
| 2023 | 16.15% | 30.02% | 0.05x | 9.88x | $7.54 Million |
| 2024 | 11.34% | 22.58% | 0.05x | 9.30x | $1.75 Million |
| 2025 | 8.80% | 18.65% | 0.05x | 8.94x | $-1.68 Million |
Industry Comparison
This section compares United Security Bancshares's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| United Security Bancshares (UBFO) | $139.68 Million | 16.87% | 7.94x | $137.80 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |