Question 1

Is United Security Bancshares (California) UBFO stock halal to invest in?

Accepted Answer

No. As of February 2026, United Security Bancshares (California) (UBFO) does not pass AAOIFI Shariah screening because non-permissible income and interest-bearing investments exceed the permitted limits. AAOIFI Standard No. 21 caps non-permissible income at 5% of revenue, and interest-bearing debt and investments at 30% of market capitalisation each. We re-screen monthly, so the status can change. Check the live verdict in the Tabadulat app.

Question 2

How often is United Security Bancshares (California) UBFO reviewed for Shariah compliance?

Accepted Answer

Tabadulat re-screens United Security Bancshares (California) (UBFO) every month. Each review applies AAOIFI Shariah Standard No. 21 to the latest financial data: business activity, non-permissible income, interest-bearing investments and debt, and preference shares. Our Shariah Supervisory Board oversees the process. Ratios move with the market, so a verdict can change. App users are alerted if a holding turns non-compliant.

Question 3

Does United Security Bancshares (California) UBFO pass the AAOIFI Non Permissible Income criteria?

Accepted Answer

No. In the February 2026 screening, United Security Bancshares (California)'s income from non-permissible sources is above AAOIFI's 5% revenue ceiling, so this screen currently fails. The screen covers interest, conventional finance, alcohol, gambling and tobacco. We re-check it every month, and the result can change with new financial reports.

Question 4

Does United Security Bancshares (California) UBFO pass the AAOIFI Interest Bearing Investments criteria?

Accepted Answer

No. In the February 2026 screening, United Security Bancshares (California)'s interest-bearing investments are above AAOIFI's 30% market-capitalisation limit, so this screen currently fails. The ratio moves with the share price as well as the balance sheet. We re-screen every month, and the result can change.

Question 5

Does STOCK  pass the AAOIFI Interest Bearing Debt criteria?

Accepted Answer

Yes. United Security Bancshares (California)'s interest-bearing debt stays below 30% of market capitalisation in the February 2026 screening, inside the AAOIFI limit. The cap limits shareholders' exposure to interest-based leverage. Because market capitalisation changes daily, the ratio can drift without any new borrowing. We re-screen every month.

Question 6

How can I check the latest Shariah compliance status of United Security Bancshares (California) stock?

Accepted Answer

No purification factor applies to United Security Bancshares (California) (UBFO) right now. Factors are published only for stocks that pass AAOIFI screening, and UBFO currently does not. Purification (Tazkiyah) means donating the small impure share of dividend income to charity. If UBFO returns to compliance in a monthly review, its factor is published again.

Question 7

Can the Shariah compliance status of United Security Bancshares (California) stock change?

Accepted Answer

Yes. United Security Bancshares (California) has no impermissible preference share structure, so it passes this AAOIFI screen as of February 2026. Preference shares promise holders fixed or priority dividends ahead of ordinary shareholders. That conflicts with the Shariah principle of sharing profit and loss in proportion to ownership. The screen is verified in every monthly review.

Is United Security Bancshares (California) (UBFO) stock Halal?

Frequently asked questions

Shariah Compliant in core.

Sheikh Muhammad Ahmad Sultan

Sheikh Dr. Irshad Ahmad Aijaz

Sheikh Dr. Salah Fahad Al Shalhoob

Our fatwa is public. Read it, then verify it with the issuing body in one check

Cross-check us with an independent AI. The questions already written.

Is United Security Bancshares (California) (UBFO) stock Halal?

Frequently asked questions