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United Security Bancshares (UBFO) reported earnings per share (EPS) of 23 cents for the third quarter of 2025, up from 22 cents in the same quarter last year. The company posted a net income of $4 million, a 5.1% increase from $3.8 million previously. Shares gained 4.5% post-earnings, compared to the S&P 500’s 0.9% growth.
Total interest income fell by 0.8% to $15.6 million, impacted by lower loan interest and investment securities income. However, a significant 18.7% drop in interest expenses to $3.2 million boosted net interest income by 5.1% to $12.4 million. The net interest margin improved to 4.35% from 4.20% year-over-year, aided by reduced funding costs.
United Security Bancshares also declared a cash dividend of 12 cents per share, payable on October 21, 2025. Additionally, the company completed a $3 million partial redemption of its junior subordinated debentures, reducing the balance to $9 million.
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