UBFO · United Security Bancshares - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | $5.66M | $3.02M | $3.75M | - | $5.13M | $6.05M | $5.86M | - | $5.41M |
| Interest Expense | - | - | - | - | - | - | $3.45M | $3.17M | - | $3.41M |
| Income Tax | - | $1.63M | $855.0K | $1.07M | - | $1.31M | $1.75M | $1.70M | - | $1.56M |
| Net Income | - | $4.02M | $2.17M | $2.68M | - | $3.83M | $4.30M | $4.16M | - | $3.85M |
| EPS - Basic | - | $0.23 | $0.13 | $0.16 | - | $0.22 | $0.25 | $0.24 | - | $0.22 |
| EPS - Diluted | - | $0.23 | $0.13 | $0.16 | - | $0.22 | $0.25 | $0.24 | - | $0.22 |
Balance Sheet
| Line item | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $120.95M | $66.77M | $49.09M | $56.21M | $56.21M | $47.91M | $38.76M | $43.00M | $40.78M | $35.30M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.25B | $1.24B | $1.21B | $1.19B | $1.21B | $1.26B | $1.22B | $1.21B | $1.21B | $1.27B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.11B | $1.10B | $1.08B | $1.06B | $1.08B | $1.12B | $1.09B | $1.08B | $1.09B | $1.16B |
| Stockholders' Equity | $139.68M | $137.38M | $134.25M | $132.88M | $130.36M | $132.86M | $127.35M | $124.18M | $122.54M | $115.03M |
| Retained Earnings | $87.32M | $86.02M | $84.10M | $84.03M | $83.45M | $83.03M | $81.28M | $79.07M | $77.00M | $73.65M |
Cash Flow
| Line item | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | - | $3.02M | - | - | - | $7.45M | - | - |
| Investing Cash Flow | - | - | - | $4.16M | - | - | - | $4.39M | - | - |
| Financing Cash Flow | - | - | - | ($25.49M) | - | - | - | ($9.61M) | - | - |
| CapEx | - | - | - | $121.0K | - | - | - | $455.0K | - | - |
| Free Cash Flow | - | - | - | $2.90M | - | - | - | $6.99M | - | - |
Ratios
| Metric | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | - | - | - | 1.08 | - | - | - | 1.68 | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | - | 28.9% | 28.3% | 28.5% | - | 25.4% | 28.9% | 28.9% | - | 28.8% |
| Return on assets | - | 0.3% | 0.2% | 0.2% | - | 0.3% | 0.4% | 0.3% | - | 0.3% |
| Return on equity | - | 2.9% | 1.6% | 2.0% | - | 2.9% | 3.4% | 3.4% | - | 3.3% |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | 1.8x | 1.9x | - | 1.6x |
| Equity multiplier | 8.94 | 8.99 | 9.04 | 8.97 | 9.30 | 9.45 | 9.58 | 9.71 | 9.88 | 11.07 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | 40.6x | 66.5x | 56.0x | - | 39.6x | 29.0x | 32.1x | - | 33.8x |
| P / B | - | 1.2x | 1.1x | 1.2x | - | 1.1x | 1.0x | 1.1x | - | 1.1x |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | 10.1% | -50.0% | -35.9% | - | -5.1% | -2.7% | -32.3% | - | -14.2% |
| Net income growth (YoY) | - | 5.1% | -49.5% | -35.5% | - | -0.6% | -2.7% | -22.1% | - | -13.7% |
| EPS growth (YoY) | - | 4.5% | -48.0% | -33.3% | - | 0.0% | -3.8% | -33.3% | - | -15.4% |
| EPS CAGR (3y) | - | -4.0% | -13.4% | 4.6% | - | 13.6% | 16.0% | 44.2% | - | 19.2% |
| EPS CAGR (5y) | - | 12.1% | 1.6% | 0.0% | - | -2.5% | 0.8% | 0.0% | - | 0.9% |
| FCF growth (YoY) | - | - | - | -58.6% | - | - | - | -24.3% | - | - |
| FCF CAGR (5y) | - | - | - | -8.7% | - | - | - | 20.9% | - | - |
| Book value growth (YoY) | 7.2% | 3.4% | 5.4% | 7.0% | 6.4% | 15.5% | 10.1% | 10.0% | 9.0% | 7.4% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$65.90M totalBanking Segment$65.90M · 100.0%
Peer comparison
Same SIC group: National Commercial Banks
Comparing UNITED SECURITY BANCSHARES against the 5 most active filers in the same SIC group.
Dividends
$0.36/share trailing 12 months · -25.0% YoY
| Ex-date | Per share |
|---|---|
| Dec 26, 2025 | $0.1200 |
| Oct 3, 2025 | $0.1200 |
| Jul 7, 2025 | $0.1200 |
| Apr 7, 2025 | $0.1200 |
| Jan 2, 2025 | $0.1200 |
| Oct 7, 2024 | $0.1200 |
| Jul 8, 2024 | $0.1200 |
| Apr 5, 2024 | $0.1200 |
| Jan 2, 2024 | $0.1200 |
| Oct 6, 2023 | $0.1200 |
| Jul 7, 2023 | $0.1200 |
| Apr 5, 2023 | $0.1100 |
| Jan 3, 2023 | $0.1100 |
| Oct 7, 2022 | $0.1100 |
| Jul 7, 2022 | $0.1100 |
| Apr 5, 2022 | $0.1100 |
| Dec 31, 2021 | $0.1100 |
| Oct 8, 2021 | $0.1100 |
| Jul 2, 2021 | $0.1100 |
| Apr 5, 2021 | $0.1100 |
| Dec 31, 2020 | $0.1100 |
| Oct 5, 2020 | $0.1100 |
| Jul 2, 2020 | $0.1100 |
| Apr 3, 2020 | $0.1100 |