How do I set a price alert for UBFO?

To set a UBFO price alert on Stock Alarm Pro, navigate to the UBFO quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

Can I get phone call alerts for UBFO?

Yes. Stock Alarm Pro provides real-time automated phone call alerts for UBFO. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for United Security Bancshares?

Stock Alarm Pro supports over 125 trigger types for UBFO: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about UBFO price changes?

UBFO alerts are evaluated continuously in real-time against live market telemetry. Notifications are dispatched within sub-second latency via push notifications, SMS, or phone calls as soon as your trigger condition is met across regular, pre-market, and after-hours trading sessions.

Is Stock Alarm Pro free to use for UBFO alerts?

Yes, Stock Alarm Pro offers a free tier that includes 3 active price alerts for UBFO and other stocks. Full Pro membership is $20/month or $168/year with a 7-day free trial, unlocking unlimited alerts, phone call delivery, SMS, all 125+ technical indicators, institutional screeners, and real-time market telemetry across web, iOS, and Android.

UBFO Company Intelligence - Business Model, Drivers & Risks

UBFO(UBFO)

$10.51—Stale · unknown old

WatchlistAsk AI Chart

UBFO(UBFO)

NASDAQ • Last print unknown agoAbout this data

$10.51—Stale · unknown old

WatchlistAsk AI Chart Studio

UBFO(UBFO)

UBFO

United Security Bancshares operates as a community bank holding company through its subsidiary United Security Bank, serving California's Central Valley with approximately 11 branches concentrated in Fresno, Kern, and Madera counties. The bank focuses on commercial and agricultural lending to small and mid-sized businesses in one of the nation's most productive agricultural regions, with a loan portfolio heavily weighted toward commercial real estate, ag lending, and C&I loans. As a sub-$2 billion asset community bank, UBFO competes on relationship banking and local market knowledge rather than scale or technology.

Financial ServicesCommunity Banks - Regionalmoderate - Community banks have relatively high fixed costs (branch network, compliance infrastructure, core systems) that don't scale linearly with assets. However, UBFO's small size ($1.5-2.0 billion estimated assets) means incremental loan growth flows through at high margins once fixed costs are covered. Operating leverage is constrained by regulatory compliance costs that disproportionately affect sub-$10 billion banks and limited ability to invest in technology/automation. Loan growth of 5-10% can drive 15-20% earnings growth if credit quality remains stable.

Business Overview

01Net interest income from commercial loans (estimated 70-75% of revenue) - primarily commercial real estate, agricultural operating loans, and C&I lending

02Non-interest income from deposit fees, service charges, and loan servicing (estimated 15-20% of revenue)

03Investment securities portfolio income (estimated 10-15% of revenue) - primarily municipal bonds and agency MBS

UBFO generates revenue primarily through net interest margin - the spread between interest earned on loans/securities and interest paid on deposits. The bank originates commercial real estate loans (typically 5.00-7.50% yields as of early 2026), agricultural operating lines (floating rate, prime-based), and C&I loans to Central Valley businesses, funded by low-cost core deposits (estimated 0.50-2.00% cost). Pricing power derives from relationship banking in underserved agricultural communities where national banks have limited presence. The 73% gross margin reflects the inherent profitability of banking operations before credit provisions. Limited fee income compared to larger banks due to smaller wealth management and capital markets operations.

What Moves the Stock

Net interest margin expansion/contraction - highly sensitive to Fed policy and deposit competition in Central Valley markets

Agricultural loan performance - credit quality tied to almond, pistachio, citrus, and dairy commodity prices and water availability in California

Commercial real estate valuations in Fresno/Bakersfield markets - concentration risk in Central Valley CRE

Deposit beta and funding costs - ability to retain low-cost core deposits as rates change

M&A speculation - community banks of this size are frequent acquisition targets by larger regionals

Watch on Earnings

Net interest margin (NIM) - typically 3.50-4.25% for community banks, key profitability driverNon-performing assets ratio and provision expense - credit quality in ag and CRE portfoliosLoan growth rate and mix - particularly commercial real estate and ag loan originationsCore deposit growth and cost of deposits - funding stability and deposit betaEfficiency ratio - operating expenses as % of revenue, typically 55-65% for community banks

Risk Factors

Community bank consolidation pressure - sub-$2 billion banks face disproportionate regulatory costs and technology investment requirements, making standalone operation increasingly challenging versus larger regional banks

Digital banking disruption - limited technology budget constrains ability to compete with fintech lenders and national banks offering superior digital experiences, risking deposit runoff to higher-yielding online banks

California agricultural sector structural challenges - long-term water scarcity, rising labor costs, and shifting crop economics threaten core borrower base in Central Valley

Deposit competition from larger banks and credit unions in Central Valley markets - Wells Fargo, Bank of America, and regional players like Westamerica have greater resources for rate competition and customer acquisition

Agricultural lending competition from Farm Credit System and national ag lenders with lower cost of funds and specialized expertise

Loan pricing pressure from non-bank lenders and private credit funds willing to accept lower spreads on commercial real estate loans

Commercial real estate concentration risk - estimated 250-350% of risk-based capital in CRE loans exceeds regulatory guidance thresholds, inviting enhanced supervisory scrutiny

Interest rate risk in securities portfolio - duration mismatch between assets and liabilities could generate unrealized losses if rates rise further from current levels

Limited capital cushion - 9.0% ROE and modest profitability constrain organic capital generation, limiting loan growth capacity without dilutive equity raises

StructuralCompetitiveBalance Sheet

Macro Sensitivity

Economic Cycle

moderate-to-high - Community bank earnings are cyclically sensitive through multiple channels. Commercial real estate lending (major portfolio component) correlates with local economic activity in Central Valley markets. Agricultural lending ties directly to commodity prices, crop yields, and farmland values. Credit losses spike during recessions as small business borrowers face stress. However, the bank's focus on relationship lending and secured collateral provides some downside protection. Loan demand weakens materially in recessions as businesses defer expansion.

Interest Rates

High sensitivity to interest rate levels and curve shape. Rising short-term rates initially expand NIM as floating-rate loans reprice faster than deposits (asset-sensitive balance sheet typical for community banks). However, sustained high rates eventually compress margins as deposit competition intensifies and customers migrate to higher-yielding alternatives. The 10Y-2Y curve spread is critical - inverted curves compress long-term lending margins. Current environment (February 2026) with Fed policy in transition creates significant NIM volatility. Each 25bp Fed move can impact NIM by 5-15bp depending on deposit beta.

Credit

Significant credit exposure through concentrated agricultural and commercial real estate lending in California's Central Valley. Agricultural loans face weather risk (drought impacts), commodity price volatility (almond and pistachio prices), and water rights uncertainty. Commercial real estate concentration in Fresno/Kern counties creates geographic risk. Credit losses typically lag economic downturns by 6-12 months. Estimated 1.00-1.50% of loans in non-performing status is normal; spikes to 3-5% signal stress. Loan loss reserves of 1.00-1.25% of total loans are typical.

Live Conditions

30-Year TreasuryRussell 2000 Futures10-Year TreasuryDow Jones Futures5-Year TreasuryS&P 500 Futures2-Year Treasury30-Day Fed Funds

Profile

value - Community bank stocks attract value investors seeking below-book multiples (1.4x P/B is near historical average), dividend income (estimated 2-3% yield), and potential M&A premiums. The 9.7% FCF yield suggests cash generation relative to market cap. Limited growth profile (0.7% revenue growth) and small market cap ($200M) exclude growth and momentum investors. Primarily held by regional investors, community bank specialists, and investors seeking California agricultural exposure. Low liquidity limits institutional ownership.

moderate-to-high - Small-cap community bank stocks exhibit elevated volatility due to limited float, low trading volume, and sensitivity to local economic conditions. Beta likely 1.2-1.5x relative to regional bank indices. Stock moves significantly on quarterly earnings surprises, credit quality updates, and M&A rumors. Recent performance (23% six-month return) reflects recovery from regional banking stress in 2023-2024 and potential M&A speculation. Volatility spikes during Fed policy transitions and agricultural commodity price swings.

Key Metrics to Watch

Federal Funds Rate and 10Y-2Y Treasury spread - primary drivers of net interest margin and profitability

California agricultural commodity prices - particularly almonds, pistachios, and dairy products that drive borrower cash flows

Central Valley commercial real estate vacancy rates and cap rates - leading indicators of CRE loan performance

FDIC quarterly banking profile data for peer NIM and efficiency ratios - competitive positioning

Non-performing asset ratio and provision expense trends - early warning of credit deterioration

Core deposit growth and deposit costs - funding stability and competitive pressure

real estate M&A water interest rates fintech

Explore More

Financial Services Stocks

More Financial Services stocks

Stock Comparison

Compare equities side by side

52-Week Highs Breakout

Stocks breaking to new annual highs

52-Week Lows Oversold

S&P 500 oversold value screener

Trending Momentum

Relative strength momentum leaders

Earnings Calendar

Upcoming earnings dates & reports

S&P 500 Screener

Filter and sort all 500 stocks

Strategy Focus List

Continuous multi-factor scoring & catalyst forensics

Market Movers

Today's biggest gainers and losers