UNITED SECURITY BANCSHARES
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $3.0M | $2.9M | $2.9M | $3.0M | $2.8M | $2.7M |
| Operating income | — | — | — | — | — | — |
| Net income | $12.3M | $14.8M | $19.8M | $15.7M | $10.1M | $9.0M |
| Total assets | $1.25B | $1.21B | $1.21B | $1.30B | $1.33B | $1.09B |
| Total liabilities | $1.11B | $1.08B | $1.09B | $1.19B | $1.21B | $974.8M |
| Equity | $139.7M | $130.4M | $122.5M | $112.5M | $120.2M | $117.8M |
| EPS (diluted) | $0.70 | $0.85 | $1.16 | $0.92 | $0.59 | $0.53 |
| Shares out. | 17.3M | 17.3M | 17.1M | 17.0M | 17.0M | 17.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 416.0%
- Return on equity
- 8.8%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.8%
- Debt / equity
- 7.94×
- Book value / share
- $8.09
- Revenue growth (YoY)
- 1.2%
- Net income growth (YoY)
- −16.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.8%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 11-Kmissed a reporting deadline ↗Jul 1, 2025
- NT 10-Qmissed a reporting deadline ↗Nov 15, 2023
- NT 10-Qmissed a reporting deadline ↗Nov 14, 2011
- NT 10-Kmissed a reporting deadline ↗Apr 1, 2011
- NT 10-Qmissed a reporting deadline ↗Aug 13, 2009
- NT 10-Qmissed a reporting deadline ↗Nov 12, 2008
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Saunders Porsche A | Mar 24, 2026 | Tax withholding | 13,389 | $0.00 |
| Williams Kevin JOfficer — SVP/Chief Banking Officer | Mar 24, 2026 | Tax withholding | 27,618 | $0.00 |
| Woods Dennis ROfficer — CEO | Apr 1, 2026 | D | 230,202 | $10.51 |
| Cavalla Stanley JDirector | Apr 1, 2026 | D | 679,453 | $10.51 |
| Oberg Robert C JrOfficer — SVP & CHIEF RISK OFFICER | Apr 1, 2026 | D | 29,469.392 | $10.51 |
| Yarbenet William M.Officer — SVP & CCO | Apr 1, 2026 | D | 75,475.04 | $10.51 |
| Ellithorpe G ThompsonDirector | Apr 1, 2026 | D | 89,011.834 | $10.51 |
| Tkacz BrianDirector | Apr 1, 2026 | D | 16,871 | $10.51 |
| Gill JagroopDirector | Apr 1, 2026 | D | 4,114.742 | $10.51 |
| Hammack HeatherDirector | Apr 1, 2026 | D | 16,398 | $10.51 |
| Mahmood NabeelDirector | Apr 1, 2026 | D | 23,556.883 | $10.51 |
| Newby Kenneth DDirector | Apr 1, 2026 | D | 39,953.899 | $10.51 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| Mar 31, 2026 | 128,036 | 2.1 | +12.7% |
| Mar 13, 2026 | 113,660 | 5.6 | +8.1% |
| Feb 27, 2026 | 105,104 | 7.3 | -1.2% |
| Feb 13, 2026 | 106,402 | 3.8 | -11.9% |
| Jan 30, 2026 | 120,727 | 4.0 | -12.3% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Regulation FD disclosureApr 1, 2026
- Shareholder voteMar 31, 2026
- Other material eventMar 20, 2026
- Other material eventMar 17, 2026
- Results of operationsJan 22, 2026
- Regulation FD disclosureDec 18, 2025
- Other material eventDec 17, 2025
- Entered a material agreement · Regulation FD disclosureDec 17, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- S-8 POSApr 13, 2026
- 15-12GApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026
- 4/AFORM 4/AApr 13, 2026