United Security Bancshares (UBFO)
Market Price (12/25/2025): $10.22 | Market Cap: $178.7 MilSector: Financials | Industry: Regional Banks
United Security Bancshares (UBFO)
Market Price (12/25/2025): $10.22Market Cap: $178.7 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.9%, FCF Yield is 12% | Trading close to highsDist 52W High is -1.7%, Dist 3Y High is -1.7% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.9% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -59% | Weak multi-year price returns2Y Excs Rtn is -14%, 3Y Excs Rtn is -8.3% | Key risksUBFO key risks include [1] the potential failure to complete or successfully integrate its pending merger with Community West Bancshares and [2] a high concentration of its loan portfolio in California's real estate and agricultural sectors. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% | ||
| Low stock price volatilityVol 12M is 28% | ||
| Megatrend and thematic driversMegatrends include Regional Banking & Financial Inclusion. Themes include Digital Community Banking, Localized Digital Lending, and Financial Literacy & Accessibility Tech. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 4.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.9%, FCF Yield is 12% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -59% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 44%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 41% |
| Low stock price volatilityVol 12M is 28% |
| Megatrend and thematic driversMegatrends include Regional Banking & Financial Inclusion. Themes include Digital Community Banking, Localized Digital Lending, and Financial Literacy & Accessibility Tech. |
| Trading close to highsDist 52W High is -1.7%, Dist 3Y High is -1.7% |
| Weak multi-year price returns2Y Excs Rtn is -14%, 3Y Excs Rtn is -8.3% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -2.9% |
| Key risksUBFO key risks include [1] the potential failure to complete or successfully integrate its pending merger with Community West Bancshares and [2] a high concentration of its loan portfolio in California's real estate and agricultural sectors. |
Why The Stock Moved
Qualitative Assessment
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Unfortunately, information detailing a specific 8.8% stock movement for United Security Bancshares (UBFO) between August 31, 2025, and December 25, 2025, and the key points explaining such a move, is not available from the provided search results for the requested future period. The search results include various financial news and reports for UBFO within late 2025, such as dividend declarations and earnings reports, but none directly attribute an 8.8% stock fluctuation to specific events within the precise timeframe. Show moreStock Movement Drivers
Fundamental Drivers
The 7.6% change in UBFO stock from 9/24/2025 to 12/24/2025 was primarily driven by a 7.3% change in the company's P/E Multiple.| 9242025 | 12242025 | Change | |
|---|---|---|---|
| Stock Price ($) | 9.49 | 10.22 | 7.64% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 52.35 | 52.65 | 0.57% |
| Net Income Margin (%) | 21.35% | 21.60% | 1.16% |
| P/E Multiple | 14.64 | 15.72 | 7.32% |
| Shares Outstanding (Mil) | 17.24 | 17.48 | -1.44% |
| Cumulative Contribution | 7.61% |
Market Drivers
9/24/2025 to 12/24/2025| Return | Correlation | |
|---|---|---|
| UBFO | 7.6% | |
| Market (SPY) | 4.4% | 33.1% |
| Sector (XLF) | 4.0% | 50.6% |
Fundamental Drivers
The 26.7% change in UBFO stock from 6/25/2025 to 12/24/2025 was primarily driven by a 50.4% change in the company's P/E Multiple.| 6252025 | 12242025 | Change | |
|---|---|---|---|
| Stock Price ($) | 8.07 | 10.22 | 26.69% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 52.67 | 52.65 | -0.04% |
| Net Income Margin (%) | 25.26% | 21.60% | -14.50% |
| P/E Multiple | 10.45 | 15.72 | 50.43% |
| Shares Outstanding (Mil) | 17.23 | 17.48 | -1.47% |
| Cumulative Contribution | 26.67% |
Market Drivers
6/25/2025 to 12/24/2025| Return | Correlation | |
|---|---|---|
| UBFO | 26.7% | |
| Market (SPY) | 14.0% | 41.1% |
| Sector (XLF) | 8.8% | 53.1% |
Fundamental Drivers
The 6.0% change in UBFO stock from 12/24/2024 to 12/24/2025 was primarily driven by a 67.7% change in the company's P/E Multiple.| 12242024 | 12242025 | Change | |
|---|---|---|---|
| Stock Price ($) | 9.64 | 10.22 | 5.99% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 54.22 | 52.65 | -2.90% |
| Net Income Margin (%) | 32.62% | 21.60% | -33.80% |
| P/E Multiple | 9.37 | 15.72 | 67.66% |
| Shares Outstanding (Mil) | 17.19 | 17.48 | -1.68% |
| Cumulative Contribution | 5.96% |
Market Drivers
12/24/2024 to 12/24/2025| Return | Correlation | |
|---|---|---|
| UBFO | 6.0% | |
| Market (SPY) | 15.8% | 55.9% |
| Sector (XLF) | 14.9% | 62.1% |
Fundamental Drivers
The 71.9% change in UBFO stock from 12/25/2022 to 12/24/2025 was primarily driven by a 112.7% change in the company's P/E Multiple.| 12252022 | 12242025 | Change | |
|---|---|---|---|
| Stock Price ($) | 5.95 | 10.22 | 71.85% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 43.94 | 52.65 | 19.83% |
| Net Income Margin (%) | 31.22% | 21.60% | -30.82% |
| P/E Multiple | 7.39 | 15.72 | 112.68% |
| Shares Outstanding (Mil) | 17.04 | 17.48 | -2.59% |
| Cumulative Contribution | 71.74% |
Market Drivers
12/25/2023 to 12/24/2025| Return | Correlation | |
|---|---|---|
| UBFO | 32.6% | |
| Market (SPY) | 48.9% | 42.3% |
| Sector (XLF) | 53.2% | 48.8% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| UBFO Return | -30% | 22% | -6% | 23% | 28% | 7% | 35% |
| Peers Return | -19% | 40% | -3% | 24% | 17% | 12% | 79% |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 18% | 115% |
Monthly Win Rates [3] | |||||||
| UBFO Win Rate | 50% | 67% | 42% | 67% | 67% | 58% | |
| Peers Win Rate | 33% | 53% | 33% | 48% | 42% | 57% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| UBFO Max Drawdown | -52% | -4% | -18% | -22% | -14% | -23% | |
| Peers Max Drawdown | -46% | -3% | -17% | -23% | -18% | -18% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: BSRR, HTBK, PLBC, BCAL, MCBS.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/24/2025 (YTD)
How Low Can It Go
| Event | UBFO | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -33.7% | -25.4% |
| % Gain to Breakeven | 50.7% | 34.1% |
| Time to Breakeven | 228 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -52.7% | -33.9% |
| % Gain to Breakeven | 111.6% | 51.3% |
| Time to Breakeven | Not Fully Recovered days | 148 days |
| 2018 Correction | ||
| % Loss | -18.2% | -19.8% |
| % Gain to Breakeven | 22.2% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -90.0% | -56.8% |
| % Gain to Breakeven | 900.0% | 131.3% |
| Time to Breakeven | Not Fully Recovered days | 1,480 days |
Compare to NEWT, ATLO, AVBC, LSBK, NU
In The Past
United Security Bancshares's stock fell -33.7% during the 2022 Inflation Shock from a high on 2/6/2023. A -33.7% loss requires a 50.7% gain to breakeven.
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AI Analysis | Feedback
Wells Fargo for California's Central Valley.
A local, independent version of Bank of America, serving specific communities in California.
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- Deposit Services: Provides a range of deposit accounts, including checking, savings, money market, and certificates of deposit for individuals and businesses.
- Real Estate Loans: Offers financing for residential and commercial properties, encompassing mortgages and construction loans.
- Commercial Loans: Provides loans to businesses for various purposes, such as working capital, equipment financing, and business expansion.
- Consumer Loans: Offers personal loans, auto loans, and other installment and revolving credit products to individuals.
- Other Banking Services: Includes online and mobile banking, debit cards, ATM access, and treasury management solutions.
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United Security Bancshares (UBFO) operates as a bank holding company for United Security Bank, providing financial services primarily to individuals and businesses rather than selling to other public companies as its major customers.
The company serves the following categories of customers:
- Individuals/Consumers: Residents of the Central Valley of California who utilize personal banking services such as checking and savings accounts, consumer loans, mortgages, and other personal financial products.
- Small to Medium-sized Businesses (SMBs): Local enterprises that require commercial loans, lines of credit, business checking accounts, treasury management services, and other banking solutions tailored for business operations.
- Agricultural Businesses: Farmers and agricultural enterprises within the Central Valley seeking specialized agricultural loans, lines of credit, and financial services designed to support farming and agribusiness operations.
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Dennis R. Woods, Chairman, President & CEO
Mr. Woods is the Founding Chairman of United Security Bank, established in 1987, and assumed the additional duties of President and CEO in 1993. Prior to his involvement with United Security Bancshares, he served as the President and CEO and a 50% shareowner of Hestbeck's Incorporated, a wholesale and retail food distribution company, for over 20 years. He has also been active in real estate investment for more than 30 years, including ownership of commercial warehouses, apartments, and residential properties. Additionally, Mr. Woods has been involved with the development and cultivation of pistachio and almond farms since 1980. He has continuously served on the boards of various non-profit organizations.
David A. Kinross, Senior Vice President and Chief Financial Officer
Mr. Kinross was appointed Senior Vice President and Chief Financial Officer of United Security Bancshares and United Security Bank in 2022. Before this, he served as Executive Vice President, Chief Financial & Accounting Officer at Community West Bancshares from 2006 to 2022. His extensive career also includes a role as a Partner at Deloitte & Touche LLP from 1990 to 2003, and as Chief Financial Officer & Vice President at Pelco, Inc. from 2003 to 2006. Mr. Kinross was also President of Baker Storey Mcdonald Properties, Inc.
Kevin Williams, Senior Vice President, Chief Banking Officer
Mr. Williams was appointed Senior Vice President, Chief Banking Officer of United Security Bancshares and its subsidiary United Security Bank in May 2025. He brings over 20 years of banking experience in the Fresno area. His previous roles include serving as Market President for Bank of the Sierra and as Senior Vice President, Central Valley Group Manager for Comerica Bank. He also held leadership positions at BBVA Compass Bank, Security First Bank, Premier Valley Bank, and Bank of America.
Robert C. Oberg, Senior Vice President and Chief Risk Officer
Mr. Oberg has served as Senior Vice President and Chief Risk Officer at United Security Bancshares and United Security Bank since 2018. His prior experience includes being a Senior Vice President at First Financial Bancorp, and Chief Risk Officer & Senior Vice President at Bank of Commerce Holdings from 2009 to 2013. He also held positions as Vice President-Risk Management at SouthTrust Bank and Chief Risk Officer & Senior Vice President at Merchants Bank of Commerce.
William M. Yarbenet, Senior Vice President and Chief Credit Officer
Mr. Yarbenet has been the Senior Vice President and Chief Credit Officer of United Security Bank and United Security Bancshares since July 2013. He possesses more than 25 years of experience in the banking and financial services industry. Prior to joining United Security Bank, Mr. Yarbenet was Executive Vice President and Chief Credit Officer of Heritage Oaks Bank. His career also includes various credit management positions at companies such as Premier West Bancorp, The Goldman Sachs Group, Inc., and Merrill Lynch & Co.
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The key risks to United Security Bancshares (UBFO) are primarily centered around its recently announced merger and the inherent challenges of operating as a regional bank.
- Risks Associated with the Pending Merger with Community West Bancshares: On December 17, 2025, United Security Bancshares announced a definitive merger agreement with Community West Bancshares. This all-stock transaction is expected to close in the second quarter of 2026, subject to customary closing conditions, including regulatory and shareholder approvals from both parties. There is a significant risk that these necessary approvals may not be obtained, or that regulatory bodies might impose unfavorable conditions. Furthermore, even if the merger is completed, there are substantial risks related to the successful integration of the two companies, including the ability to achieve anticipated cost savings and operational synergies.
- Credit Risk and Concentration in Real Estate and Agricultural Loans: As a commercial bank, United Security Bancshares' primary revenue source is its lending activities. A substantial portion of its loan portfolio is concentrated in real estate mortgages, commercial and industrial loans, real estate construction loans, and agricultural loans, primarily within its operating regions in California, specifically Fresno, Madera, Kern, and Santa Clara counties. Adverse economic conditions, particularly in the real estate or agricultural sectors within these geographic areas, could lead to an increase in loan defaults, adversely affecting the bank's asset quality and overall financial performance.
- Interest Rate Risk and Competitive Landscape: The banking industry is highly susceptible to fluctuations in interest rates, which directly impact the profitability of financial institutions by affecting their net interest margin. Additionally, United Security Bancshares operates in a highly competitive banking and financial services environment. This competition stems from various sources, including other financial institutions and the emergence of non-traditional financial service providers, alongside continuous advancements in technology and product delivery systems.
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The ongoing and accelerating disruption from digital-first financial service providers, including neobanks, specialized fintech lenders, and embedded finance platforms. These entities leverage advanced technology and often lower operating costs to offer more convenient, digitally superior, and often lower-fee alternatives for traditional banking services such as deposits, payments, and certain lending products. This trend directly threatens to attract customers, particularly younger demographics and those prioritizing digital convenience, away from traditional community banks like UBFO, potentially eroding market share, increasing competition for deposits and loans, and pressuring net interest margins.
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United Security Bancshares (NASDAQ: UBFO) operates primarily in California, with its headquarters in Fresno and 13 branches across Fresno, Madera, Kern, and Santa Clara counties. The company provides a range of commercial banking services, including various deposit instruments and lending products such as real estate, commercial and industrial, agricultural, and installment loans, to businesses, professionals, and individuals.
Based on the company's main products and services, the estimated addressable market sizes in their operating region are as follows:
- Commercial Banking Market (California): The market size of the commercial banking industry in California is estimated at $125.7 billion in 2025.
- Real Estate Lending Market (California): The Real Estate Loans & Collateralized Debt industry in California has a market size of $62.3 billion in 2025. This includes real estate and real estate construction loans.
- Agricultural Lending Market (California): The farm loan market for the West region of the U.S., which includes California, amounted to $5.42 billion in 2023. California has a significant agricultural economy, with annual agricultural exports exceeding $25 billion and nearly $50 billion in cash receipts from agriculture in 2020.
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Here are 3-5 expected drivers of future revenue growth for United Security Bancshares (UBFO) over the next 2-3 years:
- Loan Portfolio Growth: United Security Bancshares anticipates continued expansion in its loan portfolio, particularly within the commercial real estate and construction sectors. This growth is expected to be fueled by favorable regional economic conditions and ongoing demand for financing in these areas. The company reported a $30.0 million increase in loans during the third quarter of 2025 compared to the end of 2024, reaching $960.329 million.
- Net Interest Margin (NIM) Improvement: The company has demonstrated an improved net interest margin, which rose to 4.35% in the third quarter of 2025 from 4.20% in the same period of 2024. This improvement was driven by a reduction in interest rates on interest-bearing deposits, short-term borrowings, and junior subordinated debentures, which outpaced decreases in interest rates on loan yields, investment securities, and overnight investments.
- Deposit Growth: United Security Bancshares has also experienced growth in its total deposits, which increased by 1.73% to $1.08 billion compared to December 2024 levels. A growing and stable deposit base provides essential funding for the bank's lending activities, thereby supporting revenue generation.
- Strategic Focus on Niche Lending Markets: The company maintains a focused approach on niche lending markets, including its installment and student loan portfolio, which totaled $28.8 million as of September 30, 2025. These student loans are primarily directed towards medical and pharmacy school students. Management has noted an encouraging decrease in charge-offs within this student loan portfolio, indicating improved asset quality in this segment.
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Share Repurchases
- United Security Bancshares did not repurchase any shares during the three- and nine-month periods ended September 30, 2025, and September 30, 2024.
Share Issuance
- Between December 31, 2024, and March 31, 2025, 111,033 shares were issued, increasing the outstanding shares to 17,475,927.
- During the period from December 31, 2023, to December 31, 2024, 197,000 shares were issued, bringing the total outstanding to 17,364,894.
- For the three months ended March 31, 2024, restricted stock awards granted amounted to 123,794 shares.
Inbound Investments
- Director Jagroop Gill acquired 55,814 shares of the company's stock for a total value of approximately $465,488.76 in August 2025.
Outbound Investments
- The company made small purchases of correspondent bank stock, totaling $21 thousand for the three months ended September 30, 2025, and $12 thousand for the same period in 2024.
- An investment of $700 thousand in limited partnerships was recorded for the nine months ended September 30, 2024.
Capital Expenditures
- Capital expenditures for premises and equipment were $1,540 thousand for the three months ended September 30, 2025, and $843 thousand for the same period in 2024.
- United Security Bancshares's Capital Expenditures amounted to -$1 million USD as of June 30, 2025.
- The average annual Capital Expenditures growth rates were 13% over the past three years and 5% over the past five years.
Latest Trefis Analyses
| Title | Topic | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can United Security Bancshares Stock Really Go? | Return |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to UBFO. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 13.8% | 13.8% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | -0.3% | -0.3% | -0.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.4% | -4.4% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 7.6% | 7.6% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -11.2% | -11.2% | -12.1% |
Research & Analysis
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Peer Comparisons for United Security Bancshares
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 23.05 |
| Mkt Cap | 0.5 |
| Rev LTM | 143 |
| Op Inc LTM | - |
| FCF LTM | 49 |
| FCF 3Y Avg | 42 |
| CFO LTM | 50 |
| CFO 3Y Avg | 43 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 12.4% |
| Rev Chg 3Y Avg | 5.4% |
| Rev Chg Q | 11.2% |
| QoQ Delta Rev Chg LTM | 2.6% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.8% |
| CFO/Rev 3Y Avg | 36.7% |
| FCF/Rev LTM | 31.7% |
| FCF/Rev 3Y Avg | 35.5% |
Price Behavior
| Market Price | $10.22 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 03/03/1999 | |
| Distance from 52W High | -1.7% | |
| 50 Days | 200 Days | |
| DMA Price | $9.67 | $8.92 |
| DMA Trend | up | up |
| Distance from DMA | 5.7% | 14.5% |
| 3M | 1YR | |
| Volatility | 25.2% | 28.5% |
| Downside Capture | 50.92 | 83.59 |
| Upside Capture | 74.91 | 77.09 |
| Correlation (SPY) | 33.4% | 55.9% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.39 | 0.72 | 0.69 | 1.07 | 0.81 | 0.63 |
| Up Beta | 0.41 | 0.22 | 0.44 | 1.12 | 0.64 | 0.59 |
| Down Beta | -0.78 | 1.02 | 0.87 | 1.31 | 1.08 | 0.83 |
| Up Capture | 119% | 93% | 70% | 97% | 67% | 28% |
| Bmk +ve Days | 13 | 26 | 39 | 74 | 142 | 427 |
| Stock +ve Days | 9 | 17 | 26 | 58 | 116 | 369 |
| Down Capture | 20% | 59% | 67% | 94% | 87% | 76% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 10 | 22 | 32 | 61 | 123 | 335 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of UBFO With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| UBFO | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 8.0% | 18.3% | 19.2% | 71.9% | 8.9% | 6.0% | -10.4% |
| Annualized Volatility | 28.5% | 19.0% | 19.5% | 19.3% | 15.3% | 17.1% | 35.0% |
| Sharpe Ratio | 0.26 | 0.75 | 0.78 | 2.69 | 0.36 | 0.18 | -0.12 |
| Correlation With Other Assets | 62.2% | 55.9% | -7.5% | 17.9% | 49.8% | 23.9% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of UBFO With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| UBFO | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 13.3% | 16.3% | 14.9% | 18.7% | 11.7% | 4.8% | 32.6% |
| Annualized Volatility | 26.2% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.7% |
| Sharpe Ratio | 0.48 | 0.72 | 0.70 | 0.97 | 0.51 | 0.17 | 0.59 |
| Correlation With Other Assets | 37.1% | 29.4% | -5.0% | 9.0% | 27.5% | 13.6% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 10-Year Data
| Comparison of UBFO With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| UBFO | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 12.5% | 13.0% | 14.7% | 14.9% | 6.9% | 5.2% | 69.2% |
| Annualized Volatility | 38.7% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.42 | 0.54 | 0.70 | 0.83 | 0.31 | 0.22 | 0.90 |
| Correlation With Other Assets | 43.6% | 37.7% | 0.2% | 11.9% | 37.6% | 12.6% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/16/2025 | 5.4% | 5.0% | 13.7% |
| 7/17/2025 | -1.4% | 0.5% | 2.5% |
| 4/17/2025 | 1.0% | 10.1% | 13.2% |
| 1/27/2025 | -3.3% | -5.7% | -2.3% |
| 10/18/2024 | -1.0% | 0.5% | 6.4% |
| 7/18/2024 | 2.1% | 4.9% | 1.4% |
| 4/18/2024 | 1.8% | 2.5% | 0.7% |
| 1/25/2024 | -0.2% | -1.0% | -7.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 18 | 17 |
| # Negative | 10 | 6 | 7 |
| Median Positive | 1.5% | 2.0% | 3.1% |
| Median Negative | -1.1% | -4.0% | -4.5% |
| Max Positive | 12.1% | 10.1% | 13.7% |
| Max Negative | -7.7% | -9.4% | -10.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 11072025 | 10-Q 9/30/2025 |
| 6302025 | 8072025 | 10-Q 6/30/2025 |
| 3312025 | 5082025 | 10-Q 3/31/2025 |
| 12312024 | 3202025 | 10-K 12/31/2024 |
| 9302024 | 11062024 | 10-Q 9/30/2024 |
| 6302024 | 8022024 | 10-Q 6/30/2024 |
| 3312024 | 5092024 | 10-Q 3/31/2024 |
| 12312023 | 3262024 | 10-K 12/31/2023 |
| 9302023 | 11152023 | 10-Q 9/30/2023 |
| 6302023 | 8142023 | 10-Q 6/30/2023 |
| 3312023 | 5152023 | 10-Q 3/31/2023 |
| 12312022 | 3292023 | 10-K 12/31/2022 |
| 9302022 | 11072022 | 10-Q 9/30/2022 |
| 6302022 | 8052022 | 10-Q 6/30/2022 |
| 3312022 | 5062022 | 10-Q 3/31/2022 |
| 12312021 | 3092022 | 10-K 12/31/2021 |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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