Start with its own history
At 15.01×, UBFO is 14.9% above its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
NASDAQ · UBFOBanks - RegionalUpdated Oct 30, 2026
United Security Bancshares P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
15.01×
14.9% abovethe 10-year annual average
Share price10.51
÷Earnings per share0.7
Price and EPS in quote currency. Calculation details
Investors are paying 15.01 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 13.07×
3-year average11.06×3 positive annual observations
5-year average10.98×5 positive annual observations
10-year average13.07×10 positive annual observations
Peer median · TTM14.89×8 peers with positive P/E
Historical P/E ratios
Annual period-end data · 25 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 14.18× | +20.8% |
| Dec 31, 2024 | 11.74× | +62.0% |
| Dec 31, 2023 | 7.25× | -8.8% |
| Dec 31, 2022 | 7.95× | -42.3% |
| Dec 31, 2021 | 13.76× | +3.5% |
| Dec 31, 2020 | 13.30× | +11.6% |
| Dec 31, 2019 | 11.92× | +3.3% |
| Dec 31, 2018 | 11.54× | -46.5% |
View all 25 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 21.57× | +23.7% |
| Dec 31, 2016 | 17.43× | +37.0% |
| Dec 31, 2015 | 12.72× | -7.3% |
| Dec 31, 2014 | 13.72× | +37.9% |
| Dec 31, 2013 | 9.95× | +67.4% |
| Dec 31, 2012 | 5.94× | N/M |
| Dec 31, 2011 | N/M | N/M |
| Dec 31, 2010 | N/M | N/M |
| Dec 31, 2009 | N/M | N/M |
| Dec 31, 2008 | 34.42× | +111.7% |
| Dec 31, 2007 | 16.26× | -20.7% |
| Dec 31, 2006 | 20.49× | +29.4% |
| Dec 31, 2005 | 15.84× | -6.7% |
| Dec 31, 2004 | 16.98× | -11.8% |
| Dec 31, 2003 | 19.26× | +37.6% |
| Dec 31, 2002 | 14.00× | -6.7% |
| Dec 31, 2001 | 15.00× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How UBFO compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 UBFO This stockUnited Security Bancshares | 15.01× |
 BVFLBV Financial, Inc. | 14.53× |
 CZWICitizens Community Bancorp, Inc. | 15.96× |
 HNVRHanover Bancorp, Inc. | 16.92× |
 OVBCOhio Valley Banc Corp. | 16.38× |
 FCAPFirst Capital, Inc. | 11.28× |
 PEBKPeoples Bancorp of North Carolina, Inc. | 10.88× |
 INBKFirst Internet Bancorp | 15.26× |
 MRBKMeridian Corporation | 9.64× |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does UBFO’s P/E tell you?
Compare like with like
The median of the 8 positive peer ratios above is 14.89×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take UBFO into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("UBFO", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 10.51 ÷ EPS 0.7 = 15.01×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Oct 30, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
UBFO P/E ratio: common questions
The essentials behind the numbers.
United Security Bancshares's current P/E is 15.01× based on the quote data last updated Oct 30, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.