Is UNITED SECURITY BANCSHARES (UBFO) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 39.1% | |
| Net Margin | 25.4% | |
| Return on Equity (ROE) | 9.1% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $20M |
| Free Cash Flow | $19M |
| Total Debt | $15M |
| Total Assets | $1.2B |
Price & Trading
| Last Close | $10.32 |
| 50-Day MA | $10.59 |
| 200-Day MA | $9.63 |
| Avg Volume | 30K |
| Beta | 0.3 |
|
52-Week Range
$7.32
| |
About UNITED SECURITY BANCSHARES (UBFO)
United Security Bancshares operates as the bank holding company for United Security Bank that engages in the provision of various commercial banking services in the United States. It offers deposit instruments, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. The company also provides lending products, such as real estate, real estate construction, commercial and industrial, agricultural, and installment loans. In addition, it offers online and mobile banking, safe deposit boxes, wire transfers, interactive teller machine services, payroll direct deposit, cashier's checks, cash management, and foreign draft services, as well as person-to-person and bank-to-bank transfers for consumer customers. It serves the business and professional community, and individuals. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.
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Frequently Asked Questions
Is UNITED SECURITY BANCSHARES (UBFO) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), UNITED SECURITY BANCSHARES is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is UNITED SECURITY BANCSHARES's debt ratio?
UNITED SECURITY BANCSHARES's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are UNITED SECURITY BANCSHARES's key financial metrics?
UNITED SECURITY BANCSHARES has a market capitalization of $179M, trailing P/E ratio of 14.6, and revenue of $52M. Return on equity stands at 9.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.