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Zacks Company Profile for United Security Bancshares (UBFO : NSDQ)

• Company Description    United Security Bancshares is the holding company for United Security Bank. Number of Employees: 114

• Price / Volume Information    Yesterday's Closing Price: $9.55 Daily Weekly Monthly 20 Day Moving Average: 15,521 shares Shares Outstanding: 17.48 (millions) Market Capitalization: $166.90 (millions) Beta: 0.42 52 Week High: $10.49 52 Week Low: $7.32 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 5.64% 3.73% 12 Week 14.92% 4.34% Year To Date -5.45% -15.58%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 2126 INYO STREET - FRESNO,CA 93721 USA ph: 559-248-4930 fax: 559-248-5088 dkinross@unitedsecuritybank.com http://www.unitedsecuritybank.com

• General Corporate Information    Officers Dennis R. Woods - Chief Executive Officer and President David A. Kinross - Senior Vice President and Chief Financial Officer Stanley J. Cavalla - Director Tom Ellithorpe - Director Jay Gill - Director Peer Information United Security Bancshares (CACB) United Security Bancshares (CPF) United Security Bancshares (FMBL) United Security Bancshares (GRGN.) United Security Bancshares (EVRT) United Security Bancshares (EWBC) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-WEST Sector: Finance CUSIP: 911460103 SIC: 6021 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/25 Next Expected EPS Date: 10/17/25 Share - Related Items Shares Outstanding: 17.48 Most Recent Split Date: 4.00 (1.01:1) Beta: 0.42 Market Capitalization: $166.90 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 5.03% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.48 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.73 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.11 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 07/07/2025 - $0.12 Next EPS Report Date: 10/17/25

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 14.47 PEG Ratio: - Price Ratios Price/Book: 1.24 Price/Cash Flow: 9.55 Price / Sales: 2.55 EPS Growth vs. Year Ago Period: -48.00% vs. Previous Quarter: -18.75% Sales Growth vs. Year Ago Period: -4.41% vs. Previous Quarter: -5.29% ROE 06/30/25 - 8.43 03/31/25 - 10.17 12/31/24 - 11.49 ROA 06/30/25 - 0.92 03/31/25 - 1.09 12/31/24 - 1.21 Current Ratio 06/30/25 - 0.94 03/31/25 - 0.92 12/31/24 - 0.92 Quick Ratio 06/30/25 - 0.94 03/31/25 - 0.92 12/31/24 - 0.92 Operating Margin 06/30/25 - 17.07 03/31/25 - 20.10 12/31/24 - 22.58 Net Margin 06/30/25 - 17.07 03/31/25 - 20.10 12/31/24 - 22.58 Pre-Tax Margin 06/30/25 - 23.21 03/31/25 - 27.53 12/31/24 - 31.04 Book Value 06/30/25 - 7.68 03/31/25 - 7.60 12/31/24 - 7.53 Inventory Turnover 06/30/25 - - 03/31/25 - - 12/31/24 - - Debt-to-Equity 06/30/25 - 0.09 03/31/25 - 0.09 12/31/24 - 0.09 Debt-to-Capital 06/30/25 - 8.10 03/31/25 - 7.91 12/31/24 - 8.15

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