United Security Bancshares (UBFO)

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United Security Bancshares (UBFO) is up 4.4% since the beginning of the year. At $11 per share, UBFO is trading 8.8% below its 52-week high of $12. Investors who bought $1,000 worth of UBFO shares 5 years ago would now be looking at an investment worth $1,622.

United Security Bancshares (UBFO) has returned 4.37% so far this year and 29.18% over the past 12 months. Looking at the last ten years, UBFO has achieved an annualized return of 14.39%, outperforming the S&P 500 Index benchmark, which averaged 13.66% per year.

Based on dividend-adjusted daily data since Mar 3, 1999, UBFO's average daily return is +0.06%, while the average monthly return is +0.84%. At this rate, an investment would double in approximately 6.9 years.

Historically, 54% of months were positive and 46% were negative. The best month was Nov 2009 with a return of +81.6%, while the worst month was Oct 1999 at -60.4%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 7 months.

On a daily basis, UBFO closed higher 43% of trading days. The best single day was Mar 17, 2020 with a return of +53.5%, while the worst single day was Oct 4, 1999 at -65.0%.

United Security Bancshares has an annualized alpha of 10.02%, beta of 0.74, and R2 of 0.08 versus S&P 500 Index. Calculated based on daily prices since March 04, 1999.

• This stock participated in 64.63% of S&P 500 Index downside but only 49.75% of its upside - more exposed to losses than it benefited from rallies.
• R2 of 0.08 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

UBFO ranks 75 for risk / return — better than 75% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

The table below present risk-adjusted performance metrics for United Security Bancshares (UBFO) and compare them to S&P 500 Index.

United Security Bancshares provided a 3.43% dividend yield over the last twelve months, with an annual payout of $0.36 per share. The company has been increasing its dividends for 3 consecutive years.

The table displays the monthly dividend distributions for United Security Bancshares. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the United Security Bancshares. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the United Security Bancshares was 89.50%, occurring on Nov 23, 2011. Recovery took 1542 trading sessions.

The current United Security Bancshares drawdown is 7.89%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of United Security Bancshares over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how United Security Bancshares is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.