United Security Bancshares (UBFO) - Net Assets
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. Check United Security Bancshares (UBFO) asset resilience to evaluate the company's liquid asset resilience ratio.
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. Also explore UBFO total asset value for the complete picture of this company's asset base.
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. For live valuation and market cap data, see United Security Bancshares market capitalisation.
| 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 |
|---|---|
|
Taokaenoi Food & Marketing Public Company Limited
BK:TKN
|
$171.03 Million |
|
Jyong Biotech Ltd. Ordinary Shares
NASDAQ:MENS
|
$171.06 Million |
|
Guerbet S. A.
PA:GBT
|
$171.08 Million |
|
BV Financial, Inc. Common Stock
NASDAQ:BVFL
|
$171.16 Million |
|
DNF Co.Ltd
KQ:092070
|
$170.88 Million |
|
Bonei Hatichon Civil Engineering and Infrastructures Ltd
TA:BOTI
|
$170.68 Million |
|
Inveo Yatirim Holding AS
IS:INVEO
|
$170.67 Million |
|
Precision BioSciences Inc
NASDAQ:DTIL
|
$170.56 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: 1.30x
- 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 6.54x to 1.30x 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 | $10.51 | x |
| 1999-12-31 | $1.81 | $10.51 | x |
| 2000-12-31 | $2.13 | $10.51 | x |
| 2001-12-31 | $3.24 | $10.51 | x |
| 2002-12-31 | $2.61 | $10.51 | x |
| 2003-12-31 | $2.88 | $10.51 | x |
| 2004-12-31 | $3.32 | $10.51 | x |
| 2005-12-31 | $3.64 | $10.51 | x |
| 2006-12-31 | $4.07 | $10.51 | x |
| 2007-12-31 | $4.82 | $10.51 | x |
| 2008-12-31 | $4.71 | $10.51 | x |
| 2009-12-31 | $4.50 | $10.51 | x |
| 2010-12-31 | $4.35 | $10.51 | x |
| 2011-12-31 | $3.69 | $10.51 | x |
| 2012-12-31 | $4.12 | $10.51 | x |
| 2013-12-31 | $4.54 | $10.51 | x |
| 2014-12-31 | $4.91 | $10.51 | x |
| 2015-12-31 | $5.31 | $10.51 | x |
| 2016-12-31 | $5.71 | $10.51 | x |
| 2017-12-31 | $6.00 | $10.51 | x |
| 2018-12-31 | $6.45 | $10.51 | x |
| 2019-12-31 | $6.83 | $10.51 | x |
| 2020-12-31 | $6.93 | $10.51 | x |
| 2021-12-31 | $7.06 | $10.51 | x |
| 2022-12-31 | $6.59 | $10.51 | x |
| 2023-12-31 | $7.16 | $10.51 | x |
| 2024-12-31 | $7.58 | $10.51 | x |
| 2025-12-31 | $8.10 | $10.51 | 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: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
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 | $171.01 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About 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