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

United Sec Bancshares Calif (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 Sec Bancshares Calif Financials

UBFO

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows United Sec Bancshares Calif (UBFO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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 2026-04-22

This is a balance-sheet-driven earnings model, where capital build, leverage control, and liquidity choices matter more than reported revenue.

Between FY2023 and FY2025, ROE nearly halved from 16.2% to 8.8%, even though total assets stayed broadly flat, so the same balance-sheet footprint generated materially less profit. Yet cash conversion strengthened: FY2025 free cash flow of $19.8M exceeded net income of $12.3M, implying the earnings slowdown was more about lower reported returns than a break in cash generation.

Leverage eased without a major asset retreat: debt-to-equity moved from 8.9x in FY2023 to 7.9x in FY2025 while total assets remained in roughly the same range. Because equity kept rising through retained earnings, the balance sheet became less stretched by accumulation of capital, not by contraction.

Liquidity rose sharply in FY2025, with cash and equivalents climbing to $121.0M from $56.2M a year earlier, which usually trades some return for near-term flexibility. Dividends of $8.4M still consumed well under free cash flow, so shareholder payouts did not depend on squeezing the balance sheet.

Financial Health Signals

Financial Profile 28/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of United Sec Bancshares Calif'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.

Growth

United Sec Bancshares Calif's revenue grew a modest 1.2% year-over-year to $3.0M. This slow but positive growth earns a score of 34/100.

Leverage

United Sec Bancshares Calif has elevated debt relative to equity (D/E of 7.94), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

United Sec Bancshares Calif converts 669.4% of revenue into free cash flow ($19.8M). This strong cash generation earns a score of 100/100.

Returns

United Sec Bancshares Calif's ROE of 8.8% shows moderate profitability relative to equity, earning a score of 36/100. This is down from 11.3% the prior year.

Piotroski F-Score Weak

3/9

United Sec Bancshares Calif passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.79x

For every $1 of reported earnings, United Sec Bancshares Calif 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

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Earnings & Revenue

Revenue

$3.0M

YoY+1.2%

5Y CAGR+2.1%

10Y CAGR-20.0%

United Sec Bancshares Calif generated $3.0M in revenue in fiscal year 2025. This represents an increase of 1.2% from the prior year.

EBITDA

N/A

Net Income

$12.3M

YoY-16.9%

5Y CAGR+6.5%

10Y CAGR+6.1%

United Sec Bancshares Calif reported $12.3M in net income in fiscal year 2025. This represents a decrease of 16.9% from the prior year.

EPS (Diluted)

$0.70

YoY-17.6%

5Y CAGR+5.7%

10Y CAGR+5.8%

United Sec Bancshares Calif earned $0.70 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 17.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$19.8M

YoY+6.3%

5Y CAGR+9.3%

10Y CAGR+8.8%

United Sec Bancshares Calif generated $19.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 6.3% from the prior year.

Cash & Debt

$121.0M

YoY+115.2%

5Y CAGR-16.3%

10Y CAGR-0.4%

United Sec Bancshares Calif held $121.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.12

YoY+0.0%

5Y CAGR-18.3%

United Sec Bancshares Calif paid $0.12 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

18M

YoY+1.3%

5Y CAGR+0.7%

10Y CAGR+0.9%

United Sec Bancshares Calif had 18M shares outstanding in fiscal year 2025. This represents an increase of 1.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

416.0%

YoY-90.6pp

5Y CAGR+79.5pp

10Y CAGR+391.1pp

United Sec Bancshares Calif's net profit margin was 416.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 90.6 percentage points from the prior year.

Return on Equity

8.8%

YoY-2.5pp

5Y CAGR+1.2pp

10Y CAGR+1.2pp

United Sec Bancshares Calif's ROE was 8.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$2.3M

YoY+119.5%

5Y CAGR+14.9%

10Y CAGR+12.1%

United Sec Bancshares Calif invested $2.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 119.5% from the prior year.

UBFO Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$3.0M+1.2%	$2.9M0.0%	$2.9M-3.6%	$3.0M+8.4%	$2.8M+4.9%	$2.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$12.0M-13.4%	$13.9M+25.7%	$11.1M+246.0%	$3.2M+53.7%	$2.1M-9.2%	$2.3M
Income Tax	$4.4M-20.4%	$5.5M-27.9%	$7.7M+20.5%	$6.4M+98.2%	$3.2M-6.8%	$3.5M
Net Income	$12.3M-16.9%	$14.8M-25.3%	$19.8M+26.2%	$15.7M+55.3%	$10.1M+12.7%	$9.0M
EPS (Diluted)	$0.70-17.6%	$0.85-26.7%	$1.16+26.1%	$0.92+55.9%	$0.59+11.3%	$0.53

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$743K-12.3%	$847K+16.7%	$726K+13.8%	$638K-17.7%	$775K+7.8%	$719K+0.1%	$718K+1.7%	$706K
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$4.2M+15.1%	$3.6M-5.9%	$3.8M-2.1%	$3.9M+13.1%	$3.5M-1.6%	$3.5M+4.0%	$3.4M-3.1%	$3.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$2.7M-15.6%	$3.2M+2.1%	$3.1M+5.2%	$3.0M-10.6%	$3.3M-15.2%	$3.9M+14.3%	$3.5M+9.0%	$3.2M
Income Tax	$850K-47.9%	$1.6M+90.9%	$855K-20.1%	$1.1M+36.1%	$786K-39.8%	$1.3M-25.4%	$1.8M+3.2%	$1.7M
Net Income	$3.4M-15.1%	$4.0M+85.5%	$2.2M-19.1%	$2.7M+7.5%	$2.5M-34.8%	$3.8M-10.9%	$4.3M+3.3%	$4.2M
EPS (Diluted)	N/A	$0.23+76.9%	$0.13-18.8%	$0.16	N/A	$0.22-12.0%	$0.25+4.2%	$0.24

UBFO Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.2B+3.0%	$1.2B+0.1%	$1.2B-6.8%	$1.3B-2.4%	$1.3B+21.8%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$121.0M+115.2%	$56.2M+37.8%	$40.8M+5.7%	$38.6M-82.4%	$219.2M-25.5%	$294.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$139.7M+7.2%	$130.4M+6.4%	$122.5M+9.0%	$112.5M-6.4%	$120.2M+2.0%	$117.8M
Retained Earnings	$87.3M+4.6%	$83.4M+8.4%	$77.0M+10.1%	$69.9M+13.3%	$61.7M+4.4%	$59.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.2B+1.0%	$1.2B+1.8%	$1.2B+1.9%	$1.2B-1.6%	$1.2B-3.5%	$1.3B+3.6%	$1.2B0.0%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$121.0M+81.2%	$66.8M+36.0%	$49.1M+29.5%	$37.9M-32.6%	$56.2M+17.3%	$47.9M+23.6%	$38.8M-9.9%	$43.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$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+0.9%	$1.1B+1.7%	$1.1B+2.0%	$1.1B-2.1%	$1.1B-3.7%	$1.1B+2.8%	$1.1B+0.9%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$139.7M+1.7%	$137.4M+2.3%	$134.3M+1.0%	$132.9M+1.9%	$130.4M-1.9%	$132.9M+4.3%	$127.3M+2.5%	$124.2M
Retained Earnings	$87.3M+1.5%	$86.0M+2.3%	$84.1M+0.1%	$84.0M+0.7%	$83.4M+0.5%	$83.0M+2.2%	$81.3M+2.8%	$79.1M

UBFO Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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
Capital Expenditures	$2.3M+119.5%	$1.0M+32.0%	$787K-63.2%	$2.1M+70.8%	$1.3M+9.8%	$1.1M
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
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
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
Dividends Paid	$8.4M+0.9%	$8.3M+5.6%	$7.9M+5.0%	$7.5M+0.1%	$7.5M+0.3%	$7.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$3.4M-51.6%	$7.0M-19.9%	$8.7M+188.3%	$3.0M-33.1%	$4.5M-16.0%	$5.4M+133.1%	$2.3M-69.1%	$7.4M
Capital Expenditures	$741K-11.4%	$836K+43.4%	$583K+381.8%	$121K-38.3%	$196K+90.3%	$103K-63.9%	$285K-37.4%	$455K
Free Cash Flow	$2.6M-57.1%	$6.1M-24.5%	$8.1M+180.3%	$2.9M-32.9%	$4.3M-18.0%	$5.3M+160.9%	$2.0M-71.1%	$7.0M
Investing Cash Flow	$43.0M+1072.5%	-$4.4M+73.7%	-$16.9M-505.2%	$4.2M-91.2%	$47.2M+300.7%	-$23.5M-55.5%	-$15.1M-445.1%	$4.4M
Financing Cash Flow	$7.8M-48.6%	$15.1M-21.8%	$19.3M+175.9%	-$25.5M+41.3%	-$43.5M-259.0%	$27.3M+218.4%	$8.6M+189.3%	-$9.6M
Dividends Paid	$2.1M-0.1%	$2.1M-0.6%	$2.1M+1.2%	$2.1M+1.2%	$2.1M-0.9%	$2.1M-0.9%	$2.1M+1.3%	$2.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

UBFO Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	416.0%-90.6pp	506.6%-171.8pp	678.4%+160.2pp	518.2%+156.7pp	361.6%+25.0pp	336.5%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.94-0.4	8.29-0.6	8.88-1.7	10.55+0.5	10.07+1.8	8.27
FCF Margin	669.4%+32.1pp	637.3%-68.3pp	705.6%-6.7pp	712.3%+164.6pp	547.7%+72.3pp	475.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	459.5%-15.5pp	475.0%+176.2pp	298.8%-121.6pp	420.4%+98.3pp	322.1%-210.5pp	532.5%-65.9pp	598.5%+9.1pp	589.4%
Return on Equity	2.4%-0.5pp	2.9%+1.3pp	1.6%-0.4pp	2.0%+0.1pp	1.9%-1.0pp	2.9%-0.5pp	3.4%+0.0pp	3.4%
Return on Assets	0.3%-0.1pp	0.3%+0.1pp	0.2%-0.1pp	0.2%+0.0pp	0.2%-0.1pp	0.3%-0.0pp	0.4%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.94-0.1	7.99-0.0	8.04+0.1	7.97-0.3	8.29-0.2	8.45-0.1	8.58-0.1	8.71
FCF Margin	353.7%-370.2pp	723.9%-394.5pp	1118.3%+664.2pp	454.1%-102.9pp	557.0%-175.5pp	732.5%+451.4pp	281.2%-709.3pp	990.5%

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Frequently Asked Questions

What is United Sec Bancshares Calif's annual revenue?

United Sec Bancshares Calif (UBFO) reported $3.0M in total revenue for fiscal year 2025. This represents a 1.2% 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 Sec Bancshares Calif's revenue growing?

United Sec Bancshares Calif (UBFO) revenue grew by 1.2% year-over-year, from $2.9M to $3.0M in fiscal year 2025.

Is United Sec Bancshares Calif profitable?

Yes, United Sec Bancshares Calif (UBFO) reported a net income of $12.3M in fiscal year 2025, with a net profit margin of 416.0%.

What is United Sec Bancshares Calif's net profit margin?

United Sec Bancshares Calif (UBFO) had a net profit margin of 416.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does United Sec Bancshares Calif pay dividends?

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

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

United Sec Bancshares Calif (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 Sec Bancshares Calif's free cash flow?

United Sec Bancshares Calif (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 Sec Bancshares Calif's operating cash flow?

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

What are United Sec Bancshares Calif's total assets?

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

What are United Sec Bancshares Calif's capital expenditures?

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

How many shares does United Sec Bancshares Calif have outstanding?

United Sec Bancshares Calif (UBFO) had 18M shares outstanding as of fiscal year 2025.

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

United Sec Bancshares Calif (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 Sec Bancshares Calif's return on assets (ROA)?

United Sec Bancshares Calif (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 Sec Bancshares Calif's Piotroski F-Score?

United Sec Bancshares Calif (UBFO) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 Sec Bancshares Calif's earnings high quality?

United Sec Bancshares Calif (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 Sec Bancshares Calif?

United Sec Bancshares Calif (UBFO) scores 28 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.