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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: $10.07 Daily Weekly Monthly 20 Day Moving Average: 54,432 shares Shares Outstanding: 17.58 (millions) Market Capitalization: $176.99 (millions) Beta: 0.35 52 Week High: $10.53 52 Week Low: $7.32 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.40% 0.57% 12 Week 12.51% 10.70% Year To Date 0.00% 0.00%

• 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: 09/01/25 Next Expected EPS Date: 01/26/26 Share - Related Items Shares Outstanding: 17.58 Most Recent Split Date: 4.00 (1.01:1) Beta: 0.35 Market Capitalization: $176.99 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 4.77% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.48 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.72 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: 0.10 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 12/26/2025 - $0.24 Next EPS Report Date: 01/26/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 15.03 PEG Ratio: - Price Ratios Price/Book: 1.28 Price/Cash Flow: 10.07 Price / Sales: 2.73 EPS Growth vs. Year Ago Period: 4.55% vs. Previous Quarter: 76.92% Sales Growth vs. Year Ago Period: -3.00% vs. Previous Quarter: 9.40% ROE 12/31/25 - - 09/30/25 - 8.50 06/30/25 - 8.43 ROA 12/31/25 - - 09/30/25 - 0.94 06/30/25 - 0.92 Current Ratio 12/31/25 - - 09/30/25 - 0.94 06/30/25 - 0.94 Quick Ratio 12/31/25 - - 09/30/25 - 0.94 06/30/25 - 0.94 Operating Margin 12/31/25 - - 09/30/25 - 17.51 06/30/25 - 17.07 Net Margin 12/31/25 - - 09/30/25 - 17.51 06/30/25 - 17.07 Pre-Tax Margin 12/31/25 - - 09/30/25 - 24.20 06/30/25 - 23.21 Book Value 12/31/25 - - 09/30/25 - 7.86 06/30/25 - 7.68 Inventory Turnover 12/31/25 - - 09/30/25 - - 06/30/25 - - Debt-to-Equity 12/31/25 - - 09/30/25 - 0.07 06/30/25 - 0.09 Debt-to-Capital 12/31/25 - - 09/30/25 - 6.24 06/30/25 - 8.10

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