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Regional Pacific Banks

United Security Bancshares is a bank holding company based in California, USA. The company's stock is traded on the Over-the-Counter (OTC) market under the symbol "UBFO."

As of the most recent financial data available (year-end 2021), United Security Bancshares reported total assets of $1.25 billion, loans outstanding of $834.5 million, and deposits of $1.03 billion.

In terms of financial performance, the company has shown consistent growth in recent years. For the year ended December 31, 2021, United Security Bancshares reported net income of $15.8 million, up from $12.4 million in the prior year. This represents a year-over-year increase in earnings per share (EPS) of 27.9%.

The company's return on average assets (ROAA) for 2021 was 1.16%, while its return on average equity (ROAE) was 9.61%. These returns are considered strong for a community bank of United Security Bancshares' size.

In terms of valuation, United Security Bancshares' stock currently trades at a price-to-earnings (P/E) ratio of approximately 11.2x, based on 2021 earnings. This is slightly below the average P/E ratio for regional banks in the United States.

Overall, United Security Bancshares appears to be a well-run community bank with a solid financial performance and a reasonable valuation. However, as with any investment, potential investors should conduct their own due diligence and consult with a financial advisor before making investment decisions.