United Sec Bancshares Calif Financials
United Sec Bancshares Calif (UBFO) reported $3.0M in revenue for fiscal year 2025, up 1.2% 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).
United Security Bancshares runs a liability-funded balance sheet while retained earnings slowly rebuild capital as profitability cools.
From FY2023 to FY2025, equity rose from$122.5M to$139.7M and the reported leverage ratio eased from 8.9x to 7.9x, yet ROE fell from16.2% to8.8% ; the bank is getting better capitalized, but each dollar of equity is producing a thinner return than it did two years ago.
The clearest operating signal is cash resilience despite lower profit: net income dropped from
Annual dividends held around
Financial Health Signals
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 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.
United Sec Bancshares Calif passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
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
Earnings & Revenue
United Sec Bancshares Calif generated $3.0M in revenue in fiscal year 2025. This represents an increase of 1.2% from the prior year.
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.
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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
United Sec Bancshares Calif held $121.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.
United Sec Bancshares Calif paid $0.12 per share in dividends in fiscal year 2025. That is unchanged from the prior year.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 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.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.0M+1.2% | $2.9M0.0% | $2.9M-3.6% | $3.0M+8.4% | $2.8M+4.9% | $2.7M-18.2% | $3.3M-8.1% | $3.5M-89.2% | $32.9M+11.7% | $29.5M+7.5% | $27.4M+9.8% | $25.0M+8.5% | $23.0M-8.5% | $25.2M-10.0% | $27.9M |
| 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 (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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
UBFO Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
UBFO Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
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.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 416.0% | 506.6% | 678.4% | 518.2% | 361.6% | 336.5% | 465.8% | 395.5% | 26.2%+1.2pp | 25.1%+0.2pp | 24.8%-0.1pp | 24.9%-6.7pp | 31.6%+7.5pp | 24.1%+62.8pp | -38.7% |
| 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 |
| FCF Margin | 669.4% | 637.3% | 705.6% | 712.3% | 547.7% | 475.4% | 466.8% | 291.2% | 19.5%-8.9pp | 28.4%-2.7pp | 31.1%-1.8pp | 33.0%-13.8pp | 46.8%+11.5pp | 35.2%+17.9pp | 17.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
