What is United Security Bancshares's earnings per share (EPS)?

United Security Bancshares (UBFO) reported diluted earnings per share of $0.70 for fiscal year 2025. This represents a -17.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

United Security Bancshares (UBFO) Financials

UBFO

FY2025 annual

Revenue $53.9M +4.4% YoY

Net Income $12.3M -16.9% YoY

EPS (Diluted) $0.70 -17.6% YoY

Free Cash Flow $19.8M +6.3% YoY

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Dec 31, 2025 Reported Mar 26, 2026 Currency USD FYE December

Newest figures come from the 10-K for FY2025, filed Mar 26, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the UBFO SEC filings page.

United Security Bancshares (UBFO) reported $53.9M in revenue for fiscal year 2025, up 4.4% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI UBFO FY2025 2026-10-04

United Security Bancshares remains asset-heavy and highly financed by liabilities, while recent profit pressure has not yet weakened cash generation.

Net income fell from $19.8M in FY2023 to $12.3M in FY2025, indicating that reported earnings weakened materially across the period. Yet FY2025 operating cash flow of $22.1M exceeded free cash flow of $19.8M, showing that the earnings decline did not translate proportionally into cash from operations.

The liability-to-equity ratio declined from 10.1x in FY2021 to 7.9x in FY2025, but the balance sheet remains structurally liability-funded. That financing structure helps explain how FY2025 return on assets was only 1.0% while return on equity reached 8.8%: leverage amplifies the owners’ return relative to asset-level profitability.

Revenue recovered in FY2025, yet net profit margin compressed from 28.7% in FY2024 to 22.8%, showing that top-line improvement did not pass through to earnings. Selling, general and administrative expense reached $15.6M while interest expense remained $12.0M, together helping explain weaker profit despite improved operating cash flow.

Financial Health Signals

Financial Health Score 48/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of United Security Bancshares's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

United Security Bancshares earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.2% the prior year. Earnings ranks banks on that return over three years, and United Security Bancshares scores 73/100 among other banks.

Growth

United Security Bancshares reported revenue of $53.9M in fiscal year 2025, against $51.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and United Security Bancshares scores 15/100 among other banks.

Capital

United Security Bancshares funded 11.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $139.7M of equity against $1.2B of assets. Capital ranks banks on that cushion, and United Security Bancshares scores 48/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. United Security Bancshares scores 80/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. United Security Bancshares scores 17/100 on it among other banks.

Stability

United Security Bancshares reported net income of $12.3M in fiscal year 2025, against $14.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and United Security Bancshares scores 54/100 among other banks.

Piotroski F-Score Partial

5/6

United Security Bancshares passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.79x

For every $1 of reported earnings, United Security Bancshares generates $1.79 in operating cash flow ($22.1M OCF vs $12.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$13.5M

YoY+13.6%

QoQ-3.5%

5Y CAGR+8.5%

10Y CAGR+6.0%

United Security Bancshares generated $13.5M in revenue in Q4 2025. This represents an increase of 13.6% from the same quarter a year earlier. Against the prior quarter it is down 3.5%.

Net Income

$3.4M

YoY+36.8%

QoQ-15.1%

5Y CAGR+12.2%

10Y CAGR+7.7%

United Security Bancshares reported $3.4M in net income in Q4 2025. This represents an increase of 36.8% from the same quarter a year earlier. Against the prior quarter it is down 15.1%.

EPS (Diluted)

$0.19

YoY+35.7%

QoQ-17.4%

5Y CAGR+11.6%

10Y CAGR+6.6%

United Security Bancshares earned $0.19 per diluted share (EPS) in Q4 2025. This represents an increase of 35.7% from the same quarter a year earlier. Against the prior quarter it is down 17.4%.

EBITDA

Not reported for Q4 2025.

Cash & Balance Sheet

Free Cash Flow

$2.6M

YoY-39.1%

QoQ-57.1%

5Y CAGR-9.5%

10Y CAGR+1.4%

United Security Bancshares generated $2.6M in free cash flow in Q4 2025, representing cash available after capex. This represents a decrease of 39.1% from the same quarter a year earlier. Against the prior quarter it is down 57.1%.

Cash & Debt

$121.0M

YoY+115.2%

QoQ+81.2%

5Y CAGR-16.3%

10Y CAGR-0.4%

United Security Bancshares held $121.0M in cash as of Q4 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.00

QoQ-100.0%

United Security Bancshares paid $0.00 per share in dividends in Q4 2025. Against the prior quarter it is down 100.0%.

Shares Outstanding

17M

YoY0.0%

QoQ-1.8%

5Y CAGR+0.3%

10Y CAGR+0.7%

United Security Bancshares had 17M shares outstanding in Q4 2025. That is unchanged from the same quarter a year earlier. Against the prior quarter it is down 1.8%.

Margins & Returns

Net Margin

25.2%

YoY+4.3pp

QoQ-3.5pp

5Y change+3.8pp

10Y change+3.6pp

United Security Bancshares's net profit margin was 25.2% in Q4 2025, showing the share of revenue converted to profit. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.5 percentage points.

Return on Equity

2.4%

YoY+0.5pp

QoQ-0.5pp

5Y change+0.8pp

10Y change+0.6pp

United Security Bancshares's ROE was 2.4% in Q4 2025, measuring profit generated per dollar of shareholder equity. This is up 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.5 percentage points.

Gross Margin

Not reported for Q4 2025.

Operating Margin

Not reported for Q4 2025.

Capital Allocation

Capital Expenditures

$741K

YoY+278.1%

QoQ-11.4%

5Y CAGR+49.9%

10Y CAGR+12.4%

United Security Bancshares invested $741K in capex in Q4 2025, funding long-term assets and infrastructure. This represents an increase of 278.1% from the same quarter a year earlier. Against the prior quarter it is down 11.4%.

R&D Spending

Not reported for Q4 2025.

Share Buybacks

Not reported for Q4 2025.

UBFO Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UBFO quarterly income statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$53.9M+4.4%	$51.6M-6.1%	$54.9M+14.6%	$47.9M+22.7%	$39.0M+4.2%	$37.5M-13.2%	$43.1M+12.0%	$38.5M+8.5%	$35.5M+9.0%	$32.6M+5.6%	$30.9M+7.2%	$28.8M+13.5%	$25.4M-11.2%	$28.6M-10.3%	$31.9M
SG&A Expenses	$15.6M+12.0%	$13.9M+5.5%	$13.2M+11.2%	$11.8M+1.0%	$11.7M+8.2%	$10.8M-2.6%	$11.1M-5.2%	$11.7M+8.3%	$10.8M+1.8%	$10.6M+7.1%	$9.9M+2.8%	$9.7M+4.8%	$9.2M+1.5%	$9.1M-0.3%	$9.1M
Interest Expense	$12.0M-13.4%	$13.9M+25.7%	$11.1M+246.0%	$3.2M+53.7%	$2.1M-9.2%	$2.3M-41.1%	$3.9M+43.8%	$2.7M+56.2%	$1.7M+22.8%	$1.4M+10.0%	$1.3M-4.8%	$1.3M-16.5%	$1.6M-21.8%	$2.1M-30.5%	$3.0M
Income Tax	$4.4M-20.4%	$5.5M-27.9%	$7.7M+20.5%	$6.4M+98.2%	$3.2M-6.8%	$3.5M-43.4%	$6.1M+14.3%	$5.3M-24.3%	$7.0M+44.6%	$4.9M+8.3%	$4.5M+7.3%	$4.2M+3892.4%	$105K-93.2%	$1.5M+189.4%	-$1.7M
Net Income	$12.3M-16.9%	$14.8M-25.3%	$19.8M+26.2%	$15.7M+55.3%	$10.1M+12.7%	$9.0M-40.9%	$15.2M+8.2%	$14.0M+62.2%	$8.6M+17.0%	$7.4M+8.4%	$6.8M+9.6%	$6.2M-14.5%	$7.3M+19.8%	$6.1M+156.1%	-$10.8M
EPS (Basic)	$0.70-17.6%	$0.85-26.7%	$1.16+26.1%	$0.92+55.9%	$0.59+11.3%	$0.53-41.1%	$0.90+8.4%	$0.83+62.7%	$0.51+15.9%	$0.44+10.0%	$0.40+8.1%	$0.37-24.5%	$0.49+19.5%	$0.41+153.2%	-$0.77
EPS (Diluted)	$0.70-17.6%	$0.85-26.7%	$1.16+26.1%	$0.92+55.9%	$0.59+11.3%	$0.53-40.4%	$0.89+7.2%	$0.83+62.7%	$0.51+15.9%	$0.44+10.0%	$0.40+8.1%	$0.37-24.5%	$0.49+19.5%	$0.41+153.2%	-$0.77
Diluted Shares (Avg)	17M+1.1%	17M+1.1%	17M+0.4%	17M+0.2%	17M+0.2%	17M+0.1%	17M+0.3%	17M+0.2%	17M+0.1%	17M0.0%	17M+1.1%	17M+8.4%	15M+4.1%	15M+5.0%	14M

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Revenue	$13.5M+13.6%	$14.0M+1.5%	$12.6M-3.2%	$13.7M+7.0%	$11.9M-20.2%	$13.8M+15.0%	$13.0M-3.5%	$12.8M-11.3%
SG&A Expenses	$4.2M+20.1%	$3.6M+2.6%	$3.8M+13.4%	$3.9M+12.2%	$3.5M+7.8%	$3.5M+4.4%	$3.4M+2.7%	$3.5M+7.3%
Interest Expense	$2.7M-19.1%	$3.2M-18.7%	$3.1M-9.0%	$3.0M-5.6%	$3.3M-3.2%	$3.9M+15.7%	$3.5M+33.6%	$3.2M+96.1%
Income Tax	$850K+8.1%	$1.6M+25.0%	$855K-51.1%	$1.1M-36.9%	$786K-56.4%	$1.3M-16.1%	$1.8M-2.8%	$1.7M-32.8%
Net Income	$3.4M+36.8%	$4.0M+5.1%	$2.2M-49.5%	$2.7M-35.5%	$2.5M-53.8%	$3.8M-0.6%	$4.3M-2.7%	$4.2M-32.1%
EPS (Basic)	$0.19+35.7%	$0.23+4.5%	$0.13-48.0%	$0.16-33.3%	$0.14-56.3%	$0.220.0%	$0.25-3.8%	$0.24-33.3%
EPS (Diluted)	$0.19+35.7%	$0.23+4.5%	$0.13-48.0%	$0.16-33.3%	$0.14-56.3%	$0.220.0%	$0.25-3.8%	$0.24-33.3%
Diluted Shares (Avg)	N/A	17M+1.6%	17M+0.4%	17M+0.5%	N/A	17M+0.4%	17M+0.4%	17M+0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

UBFO Balance Sheet

UBFO quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$1.2B+3.0%	$1.2B+0.1%	$1.2B-6.8%	$1.3B-2.4%	$1.3B+21.8%	$1.1B+14.2%	$956.9M+2.6%	$933.1M+15.8%	$805.8M+2.3%	$788.0M+8.6%	$725.6M+9.4%	$663.2M+4.3%	$635.9M-2.0%	$648.9M-0.4%	$651.3M
Cash & Equivalents	$121.0M+115.2%	$56.2M+37.8%	$40.8M+5.7%	$38.6M-82.4%	$219.2M-25.5%	$294.1M+34.3%	$219.0M-0.6%	$220.3M+104.1%	$107.9M-4.5%	$113.0M-10.1%	$125.8M+21.4%	$103.6M-23.4%	$135.2M-4.5%	$141.6M+14.0%	$124.2M
Short-Term Investments	$143.3M-10.9%	$160.7M-13.0%	$184.6M-12.4%	$210.9M+15.4%	$182.6M+111.9%	$86.2M+7.6%	$80.1M+14.3%	$70.1M+53.3%	$45.7M	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M
Total Liabilities	$1.1B+2.5%	$1.1B-0.7%	$1.1B-8.3%	$1.2B-2.0%	$1.2B+24.2%	$974.8M+15.9%	$840.9M+2.1%	$823.8M+16.9%	$704.5M+1.9%	$691.3M+8.7%	$636.0M+9.6%	$580.3M+3.7%	$559.4M-3.5%	$579.4M-1.7%	$589.2M
Total Equity	$139.7M+7.2%	$130.4M+6.4%	$122.5M+9.0%	$112.5M-6.4%	$120.2M+2.0%	$117.8M+1.6%	$116.0M+6.2%	$109.2M+7.8%	$101.4M+4.9%	$96.7M+7.8%	$89.6M+8.2%	$82.8M+8.2%	$76.5M+10.2%	$69.4M+11.7%	$62.2M
Retained Earnings	$87.3M+4.6%	$83.4M+8.4%	$77.0M+10.1%	$69.9M+13.3%	$61.7M+4.4%	$59.1M+2.6%	$57.6M+15.4%	$49.9M+13.0%	$44.2M+8.6%	$40.7M+9.2%	$37.3M+10.5%	$33.7M+9.2%	$30.9M+18.0%	$26.2M+22.1%	$21.4M

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Total Assets	$1.2B+3.0%	$1.2B-1.6%	$1.2B+0.2%	$1.2B-1.6%	$1.2B+0.1%	$1.3B-1.4%	$1.2B-6.0%	$1.2B-3.9%
Cash & Equivalents	$121.0M+115.2%	$66.8M+39.3%	$49.1M+26.7%	$37.9M-11.9%	$56.2M+37.8%	$47.9M+35.7%	$38.8M-33.6%	$43.0M-4.8%
Short-Term Investments	$143.3M-10.9%	$144.3M-14.5%	$150.4M-9.6%	$160.5M-4.8%	$160.7M-13.0%	$168.8M-10.1%	$166.3M-19.1%	$168.6M-19.3%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%
Total Liabilities	$1.1B+2.5%	$1.1B-2.2%	$1.1B-1.2%	$1.1B-2.2%	$1.1B-0.7%	$1.1B-3.1%	$1.1B-6.9%	$1.1B-5.8%
Total Equity	$139.7M+7.2%	$137.4M+3.4%	$134.3M+5.4%	$132.9M+7.0%	$130.4M+6.4%	$132.9M+15.5%	$127.3M+10.1%	$124.2M+10.0%
Retained Earnings	$87.3M+4.6%	$86.0M+3.6%	$84.1M+3.5%	$84.0M+6.3%	$83.4M+8.4%	$83.0M+12.7%	$81.3M+13.1%	$79.1M+13.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

UBFO Cash Flow Statement

UBFO quarterly cash flow statement

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$22.1M+12.3%	$19.6M-8.1%	$21.4M-9.8%	$23.7M+43.2%	$16.6M+19.9%	$13.8M-14.6%	$16.2M+42.5%	$11.3M+50.2%	$7.6M-20.1%	$9.5M+2.1%	$9.3M+2.9%	$9.0M-24.4%	$11.9M+22.6%	$9.7M+68.4%	$5.8M
Depreciation & Amortization	$1.5M-0.7%	$1.5M+0.7%	$1.5M+10.5%	$1.3M-6.3%	$1.4M-0.2%	$1.4M+0.6%	$1.4M+3.7%	$1.4M+1.3%	$1.3M-6.5%	$1.4M-2.3%	$1.5M+5.2%	$1.4M+8.0%	$1.3M-16.6%	$1.5M-12.7%	$1.8M
Stock-Based Compensation	$969K+42.1%	$682K+42.7%	$478K+30.6%	$366K+79.4%	$204K-52.0%	$425K+21.8%	$349K-53.1%	$744K+667.0%	$97K+223.3%	$30K+15.4%	$26K-7.1%	$28K-3.4%	$29K+61.1%	$18K0.0%	$18K
Capital Expenditures	$2.3M+119.5%	$1.0M+32.0%	$787K-63.2%	$2.1M+70.8%	$1.3M+9.8%	$1.1M+19.4%	$956K-6.6%	$1.0M-9.2%	$1.1M+5.1%	$1.1M+48.0%	$725K-5.6%	$768K-33.0%	$1.1M+34.5%	$853K-6.7%	$914K
Free Cash Flow	$19.8M+6.3%	$18.6M-9.7%	$20.6M-4.5%	$21.6M+40.9%	$15.3M+20.8%	$12.7M-16.7%	$15.2M+47.3%	$10.3M+60.6%	$6.4M-23.4%	$8.4M-1.8%	$8.5M+3.7%	$8.2M-23.4%	$10.8M+21.4%	$8.9M+82.5%	$4.9M
Investing Cash Flow	$25.9M+100.1%	$13.0M-85.2%	$87.6M+150.3%	-$174.2M+45.4%	-$319.4M-387.2%	-$65.5M-188.0%	-$22.8M-87.2%	-$12.2M+41.7%	-$20.9M+72.9%	-$77.0M-84.6%	-$41.7M+34.4%	-$63.6M-2677.6%	$2.5M-86.7%	$18.6M-47.0%	$35.0M
Financing Cash Flow	$16.8M+197.7%	-$17.2M+83.9%	-$106.8M-254.8%	-$30.1M-113.2%	$228.0M+79.8%	$126.8M+2310.6%	$5.3M-95.4%	$113.2M+1280.2%	$8.2M-85.0%	$54.8M+0.4%	$54.6M+137.7%	$23.0M+210.6%	-$20.8M-91.7%	-$10.8M+27.9%	-$15.0M
Dividends Paid	$8.4M+0.9%	$8.3M+5.6%	$7.9M+5.0%	$7.5M+0.1%	$7.5M+0.3%	$7.5M+0.1%	$7.5M+57.6%	$4.7M+64.9%	$2.9M	$0	$0	N/A	N/A	N/A	N/A

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Operating Cash Flow	$3.4M-25.3%	$7.0M+29.7%	$8.7M+277.7%	$3.0M-59.5%	$4.5M-32.8%	$5.4M+279.5%	$2.3M-72.3%	$7.4M-20.2%
Depreciation & Amortization	$373K-0.3%	$350K-8.6%	$359K-1.1%	$376K+7.7%	$374K+6.3%	$383K+4.4%	$363K-0.3%	$349K-7.2%
Stock-Based Compensation	N/A	N/A	N/A	$200K-3.4%	N/A	N/A	N/A	$207K-13.4%
Capital Expenditures	$741K+278.1%	$836K+711.7%	$583K+104.6%	$121K-73.4%	$196K-22.5%	$103K-54.0%	$285K+30.7%	$455K+394.6%
Free Cash Flow	$2.6M-39.1%	$6.1M+16.4%	$8.1M+302.1%	$2.9M-58.6%	$4.3M-33.2%	$5.3M+263.8%	$2.0M-75.1%	$7.0M-24.3%
Investing Cash Flow	$43.0M-8.9%	-$4.4M+81.2%	-$16.9M-11.3%	$4.2M-5.2%	$47.2M-26.0%	-$23.5M-6926.6%	-$15.1M+6.3%	$4.4M-89.1%
Financing Cash Flow	$7.8M+117.9%	$15.1M-44.6%	$19.3M+125.4%	-$25.5M-165.2%	-$43.5M+33.2%	$27.3M+238.2%	$8.6M-59.3%	-$9.6M+77.7%
Dividends Paid	$2.1M+1.7%	$2.1M+0.9%	$2.1M+0.6%	$2.1M+0.6%	$2.1M+9.7%	$2.1M-7.1%	$2.1M+11.5%	$2.1M+10.5%

Not reported in any period shown, so not listed: Share Buybacks.

UBFO Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

UBFO quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	22.8%-5.9pp	28.7%-7.4pp	36.1%+3.3pp	32.8%+6.9pp	25.9%+1.9pp	23.9%-11.2pp	35.2%-1.2pp	36.4%+12.1pp	24.3%+1.7pp	22.7%+0.6pp	22.1%+0.5pp	21.6%-7.1pp	28.7%+7.4pp	21.3%+55.2pp	-33.9%
Return on Equity	8.8%-2.5pp	11.3%-4.8pp	16.2%+2.2pp	14.0%+5.6pp	8.4%+0.8pp	7.6%-5.5pp	13.1%+0.3pp	12.8%+4.3pp	8.5%+0.9pp	7.6%0.0pp	7.6%+0.1pp	7.5%-2.0pp	9.5%+0.8pp	8.7%+26.1pp	-17.4%
Return on Assets	1.0%-0.2pp	1.2%-0.4pp	1.6%+0.4pp	1.2%+0.4pp	0.8%-0.1pp	0.8%-0.8pp	1.6%+0.1pp	1.5%+0.4pp	1.1%+0.1pp	0.9%0.0pp	0.9%0.0pp	0.9%-0.2pp	1.1%+0.2pp	0.9%+2.6pp	-1.7%
Debt-to-Equity	7.94-0.4x	8.29-0.6x	8.88-1.7x	10.55+0.5x	10.07+1.8x	8.27+1.0x	7.25-0.3x	7.54+0.6x	6.95-0.2x	7.15+0.1x	7.10+0.1x	7.01-0.3x	7.31-1.0x	8.34-1.1x	9.48
Asset Turnover	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.030.0x	0.030.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.05
FCF Margin	36.7%+0.7pp	36.1%-1.5pp	37.5%-7.5pp	45.0%+5.8pp	39.2%+5.4pp	33.8%-1.4pp	35.2%+8.4pp	26.8%+8.7pp	18.1%-7.6pp	25.7%-1.9pp	27.7%-0.9pp	28.6%-13.8pp	42.4%+11.4pp	31.0%+15.8pp	15.2%

Metric	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q
Net Margin	25.2%+4.3pp	28.7%+1.0pp	17.2%-15.8pp	19.6%-13.0pp	20.9%-15.2pp	27.7%-4.3pp	33.0%+0.3pp	32.6%-10.0pp
Return on Equity	2.4%+0.5pp	2.9%+0.1pp	1.6%-1.8pp	2.0%-1.3pp	1.9%-2.5pp	2.9%-0.5pp	3.4%-0.4pp	3.4%-2.1pp
Return on Assets	0.3%+0.1pp	0.3%0.0pp	0.2%-0.2pp	0.2%-0.1pp	0.2%-0.2pp	0.3%0.0pp	0.4%0.0pp	0.3%-0.1pp
Debt-to-Equity	7.94-0.4x	7.99-0.5x	8.04-0.5x	7.97-0.7x	8.29-0.6x	8.45-1.6x	8.58-1.6x	8.71-1.5x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	19.4%-16.8pp	43.7%+5.6pp	64.3%+48.9pp	21.2%-33.6pp	36.2%-7.0pp	38.1%+64.8pp	15.5%-44.5pp	54.8%-9.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
United Security Bancshares UBFO	FY2025	$53.9M	$12.3M	22.8%	$185.0M	48/100
Meridian Corporation MRBK	FY2025	$126.9M	$21.8M	17.2%	$221.6M	33/100
Ohio Valley Banc Corp OVBC	FY2025	$66.7M	$15.6M	23.4%	$217.2M	41/100
MainStreet Bancshares, Inc. MNSB	FY2025	$135.6M	$15.6M	11.5%	$175.6M	49/100
BV Financial, Inc. BVFL	FY2025	$39.6M	$13.5M	34.1%	$183.8M	66/100
BCB Bancorp Inc (NJ) BCBP	FY2025	$101.6M	-$12.5M	-12.3%	$250.9M	19/100

Where United Security Bancshares Ranks

Frequently Asked Questions

What is United Security Bancshares's annual revenue?

United Security Bancshares (UBFO) reported $53.9M in total revenue for fiscal year 2025. This represents a 4.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is United Security Bancshares's revenue growing?

United Security Bancshares (UBFO) revenue grew by 4.4% year-over-year, from $51.6M to $53.9M in fiscal year 2025.

Is United Security Bancshares profitable?

Yes, United Security Bancshares (UBFO) reported a net income of $12.3M in fiscal year 2025, with a net profit margin of 22.8%.

What is United Security Bancshares's net profit margin?

United Security Bancshares (UBFO) had a net profit margin of 22.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does United Security Bancshares pay dividends?

Yes, United Security Bancshares (UBFO) paid $0.12 per share in dividends during fiscal year 2025.

What is United Security Bancshares's return on equity (ROE)?

United Security Bancshares (UBFO) has a return on equity of 8.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is United Security Bancshares's free cash flow?

United Security Bancshares (UBFO) generated $19.8M in free cash flow during fiscal year 2025. This represents a 6.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is United Security Bancshares's operating cash flow?

United Security Bancshares (UBFO) generated $22.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are United Security Bancshares's total assets?

United Security Bancshares (UBFO) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are United Security Bancshares's capital expenditures?

United Security Bancshares (UBFO) invested $2.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does United Security Bancshares have outstanding?

United Security Bancshares (UBFO) had 17M shares outstanding as of fiscal year 2025.

What is United Security Bancshares's debt-to-equity ratio?

United Security Bancshares (UBFO) had a debt-to-equity ratio of 7.94 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is United Security Bancshares's return on assets (ROA)?

United Security Bancshares (UBFO) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is United Security Bancshares's Piotroski F-Score?

United Security Bancshares (UBFO) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are United Security Bancshares's earnings high quality?

United Security Bancshares (UBFO) has an earnings quality ratio of 1.79x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is United Security Bancshares?

United Security Bancshares (UBFO) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.