United Security Bancshares
Description
United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, 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 provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, and foreign draft services, as well as interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.
About
CEO
Mr. Dennis R. Woods M.D.
Employees
114
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNGS
Address
2126 Inyo Street, Fresno, CA 93721, United States
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Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 27, 2026 | — | — | — | — |
| Oct 16, 2025 | — | — | — | — |
| Jul 16, 2025 | — | — | — | — |
| Apr 17, 2025 | — | — | — | — |
| Apr 26, 2023 | — | 0.36 | — | — |
Earnings estimate
| Number of analysts | — | — | — | — |
|---|---|---|---|---|
| Average estimate | — | — | — | — |
| Low estimate | — | — | — | — |
| High estimate | — | — | — | — |
| Last year EPS | — | — | — | — |
[stock_revenue_estimate]
Growth estimates
Current qtr
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Next qtr.
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Current year
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Next year
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Next 5 years (per annum)
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Past 5 years (per annum)
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Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 54.81M | 47.81M | 38.95M | 37.38M | 43.09M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 13.60M | 12.29M | 12.10M | 11.69M | 12.07M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 27.48M | 22.06M | 13.31M | 12.41M | 21.27M |
| Tax provision | 7.68M | 6.37M | 3.22M | 3.45M | 6.10M |
| Net income | 19.80M | 15.69M | 10.10M | 8.96M | 15.17M |
| Basic EPS | 1.16 | 0.92 | 0.59 | 0.53 | 0.90 |
| Diluted EPS | 1.16 | 0.92 | 0.59 | 0.53 | 0.89 |
| Basic average shares | 17.11M | 17.04M | 17.01M | 16.98M | 16.95M |
| Diluted average shares | 17.11M | 17.04M | 17.01M | 16.98M | 16.95M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 19.80M | 15.69M | 10.10M | 8.96M | 15.17M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 40.58M | 31.65M | 31.06M | 29.49M | 27.29M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 40.78M | 38.60M | 219.22M | 294.07M | 219.00M |
| Other short term investments | 181.27M | 207.55M | 178.90M | 82.34M | 76.31M |
| Accounts receivable | 7.93M | 8.49M | 7.53M | 8.16M | 8.21M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | 1.34M | 1.98M | 2.59M | 2.86M | 3.36M |
| Land and improvements | 968,000 | 968,000 | 968,000 | 968,000 | 968,000 |
| Machinery furniture equipment | 11.11M | 11.02M | 10.07M | 9.92M | 9.37M |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | -19.48M | -18.51M | -18.48M | -17.89M | -16.83M |
| Goodwill | 8.98M | 8.98M | 8.98M | 8.98M | 8.98M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | — | — | — | — | — |
| Investments and advances | 187.82M | 213.66M | 182.65M | 86.19M | 80.09M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | — | — | — | — | 59,000 |
| Accrued expenses | — | — | — | — | — |
| Short term debt | 62.00M | — | — | — | — |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 12.65M | 12.98M | 13.89M | 13.89M | 14.27M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 60.59M | 60.03M | 59.64M | 59.40M | 58.97M |
| Retained earnings | 77.00M | 69.93M | 61.75M | 59.14M | 57.65M |
| Other shareholders equity | -15.04M | -17.50M | -1.17M | -728,000 | -632,000 |
| Total shareholders equity | 122.54M | 112.46M | 120.21M | 117.81M | 115.99M |
| Additional paid in capital | — | — | — | — | — |
| Treasury stock | — | — | — | — | — |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||||||||||
| Net Income | 19.80M | 15.69M | 10.10M | 8.96M | 15.17M | 14.02M | 8.64M | 7.39M | 6.81M | 6.22M | 7.27M | 6.07M | -10.81M | -4.44M | -4.54M | 4.07M | 11.26M | 13.36M | 11.01M | 8.41M | 7.71M | 6.83M | 6.19M | 6.26M |
| Depreciation | 2.11M | 1.93M | 1.15M | 811,000 | 1.40M | 1.35M | 1.34M | 1.43M | 1.46M | 1.45M | 1.29M | 1.85M | 1.77M | 2.26M | 2.40M | 2.75M | 2.66M | 1.66M | 1.39M | 1.33M | 1.25M | 1.57M | 1.60M | 1.14M |
| Deferred Taxes | -297,000 | -2.36M | -521,000 | 324,000 | 533,000 | -760,000 | 1.02M | 2.36M | 1.71M | 4.86M | -1.52M | 1.23M | -2.40M | -2.57M | -838,000 | -1.03M | 248,000 | -382,000 | 86,000 | -877,000 | -904,000 | -527,000 | -339,000 | -698,000 |
| Stock-Based Compensation | 478,000 | 366,000 | 238,000 | 425,000 | 349,000 | 744,000 | 97,000 | 30,000 | 26,000 | 28,000 | 29,000 | 18,000 | 18,000 | 41,000 | 53,000 | 110,000 | 187,000 | — | — | — | — | — | — | — |
| Other Non-Cash Items | -2.12M | -1.17M | -554,000 | -701,000 | -1.27M | -691,000 | -870,000 | -567,000 | -535,000 | -628,000 | -1.75M | -842,000 | -334,000 | -554,000 | -512,000 | -608,000 | 4.00M | 1.42M | 1.58M | 1.65M | 2.29M | 2.24M | 1.91M | 2.06M |
| Accounts Receivable | -1.19M | 1.01M | 561,000 | 411,000 | -204,000 | -2.13M | -3.37M | -719,000 | -522,000 | -681,000 | 50,000 | 252,000 | 206,000 | 345,000 | -103,000 | 1.26M | 930,000 | — | — | — | — | — | — | — |
| Accounts Payable | 772,000 | 261,000 | 619,000 | -187,000 | 214,000 | -927,000 | -71,000 | -99,000 | 18,000 | -1.12M | 238,000 | 436,000 | 992,000 | -166,000 | -325,000 | -1.68M | -339,000 | — | — | — | — | — | — | — |
| Other Assets & Liabilities | 485,000 | -1.17M | 1.30M | -13,000 | -303,000 | -754,000 | -618,000 | -290,000 | 297,000 | 86,000 | 577,000 | 28,000 | 580,000 | 764,000 | -30,000 | -2.71M | 593,000 | 3.32M | -147,000 | 679,000 | 507,000 | 1.54M | 76,000 | -1.31M |
| Operating Cash Flow | 20.03M | 14.56M | 12.88M | 10.03M | 15.89M | 10.85M | 6.16M | 9.53M | 9.27M | 10.21M | 6.18M | 9.04M | -9.98M | -4.32M | -3.89M | 2.17M | 19.53M | 19.38M | 13.91M | 11.19M | 10.84M | 11.65M | 9.44M | 7.45M |
| Investing Activities | ||||||||||||||||||||||||
| Capital Expenditures | — | — | 13,000 | — | 12,000 | — | — | — | 23,000 | — | — | 36,000 | — | -769,000 | -413,000 | -363,000 | -1.19M | 73,000 | -1.68M | -1.59M | -744,000 | -431,000 | -514,000 | -311,000 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 6.37M | — | — | — | — | — | — | — |
| Purchase of Investments | -400,000 | -82.08M | -125.92M | -29.20M | -28.15M | -35.28M | -1.45M | -35.09M | -266,000 | -10.42M | -21.00M | -11.81M | -8.50M | -11.74M | -1.54M | -46.72M | -34.23M | — | -5.07M | -56.59M | -68.76M | -107.89M | -84.35M | -21.56M |
| Sale of Investments | 29.72M | 25.81M | 27.01M | 23.06M | 17.51M | 9.68M | 11.26M | 7.29M | 16.92M | 6.55M | 8.49M | 21.77M | 20.85M | 31.95M | 23.50M | 36.93M | 36.94M | 12.77M | 20.81M | 35.05M | 89.32M | 67.64M | 79.94M | 19.85M |
| Investing Cash Flow | 30.29M | -58.70M | -99.78M | -4.21M | -10.85M | -25.45M | 10.87M | -24.64M | 17.65M | -2.56M | -3.31M | 14.90M | 19.29M | 20.77M | 30.33M | -8.39M | 8.00M | -69.81M | -12.85M | -44.01M | 26.73M | -68.54M | -85.55M | -67.68M |
| Financing Activities | ||||||||||||||||||||||||
| Long-Term Debt Issuance | — | — | — | — | — | — | — | — | — | — | — | — | — | 75,000 | — | 66.60M | 25.00M | — | — | — | — | — | — | 817,000 |
| Long-Term Debt Payments | — | — | — | — | — | — | — | — | -1.80M | — | — | — | -32.00M | -8.00M | -48.50M | — | -15.92M | — | -75,000 | -269,000 | -305,000 | — | — | -133,000 |
| Other Financing Charges | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -48.50M | 66.60M | — | 1,000 | — | — | — | — | — | 1,000 |
| Financing Cash Flow | 54.13M | -7.50M | -7.49M | -7.47M | -7.46M | -4.73M | -2.87M | — | -1.80M | — | — | 295,000 | -32.00M | -7.93M | -97.02M | 183.59M | 15.33M | -4.88M | -4.06M | -3.78M | -38.80M | 4.88M | -22.47M | 34.36M |
| Other Cash Details | ||||||||||||||||||||||||
| End Cash Position | 40.78M | 38.60M | 219.22M | 294.07M | 219.00M | 220.34M | 107.93M | 113.03M | 125.75M | 103.58M | 135.21M | 141.63M | 124.18M | 98.43M | 29.23M | 19.43M | 25.30M | 43.07M | 63.03M | 56.41M | 48.59M | 31.49M | 29.26M | 19.18M |
| Income Tax Paid | 9.73M | 6.77M | — | — | — | 7.06M | 6.86M | 1.71M | 3.08M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 11.01M | 3.15M | — | — | — | 2.69M | 1.79M | 1.36M | 1.24M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 20.59M | 21.56M | 15.30M | 12.66M | 15.20M | 10.32M | 6.43M | 8.39M | 8.54M | 8.23M | 10.76M | 8.86M | 4.85M | 8.81M | 12.95M | 12.22M | 17.77M | 16.16M | 12.32M | 8.01M | 11.37M | 10.82M | 7.55M | 7.14M |
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