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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.46M | $1.47M | $1.50M | $1.30M | $1.41M | $1.41M |
| Operating Income | $16.70M | $20.32M | $27.48M | $22.06M | $12.41M | $12.41M |
| Interest Expense | - | - | $11.06M | $3.19M | $2.08M | $2.29M |
| Income Tax | $4.41M | $5.54M | $7.68M | $6.37M | $3.22M | $3.45M |
| Net Income | $12.29M | $14.78M | $19.80M | $15.69M | $10.10M | $8.96M |
| EPS - Basic | $0.70 | $0.86 | $1.16 | $0.92 | $0.59 | $0.53 |
| EPS - Diluted | $0.70 | $0.86 | $1.16 | $0.92 | $0.59 | $0.53 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $120.95M | $56.21M | $40.78M | $38.59M | $219.22M | $294.07M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.25B | $1.21B | $1.21B | $1.30B | $1.33B | $1.09B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.11B | $1.08B | $1.09B | $1.19B | $1.21B | $974.85M |
| Stockholders' Equity | $139.68M | $130.36M | $122.54M | $112.46M | $120.21M | $117.81M |
| Retained Earnings | $87.32M | $83.45M | $77.00M | $69.93M | $61.74M | $59.14M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $22.06M | $19.64M | $21.38M | $23.70M | $16.55M | $13.80M |
| Investing Cash Flow | $25.92M | $12.95M | $87.58M | ($174.23M) | ($319.37M) | ($65.55M) |
| Financing Cash Flow | $16.77M | ($17.16M) | ($106.77M) | ($30.09M) | $227.97M | $126.82M |
| CapEx | $2.28M | $1.04M | $787.0K | $2.14M | $1.25M | $1.14M |
| Free Cash Flow | $19.77M | $18.60M | $20.59M | $21.56M | $15.30M | $12.66M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.61 | 1.26 | 1.04 | 1.37 | 1.51 | 1.41 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 26.4% | 27.2% | 28.0% | 28.9% | 24.2% | 27.8% |
| Return on assets | 1.0% | 1.2% | 1.6% | 1.2% | 0.8% | 0.8% |
| Return on equity | 8.8% | 11.3% | 16.2% | 13.9% | 8.4% | 7.6% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 2.5x | 6.9x | 6.0x | 5.4x |
| Equity multiplier | 8.94 | 9.30 | 9.88 | 11.55 | 11.07 | 9.27 |
| Liabilities / Assets | 0.89 | 0.89 | 0.90 | 0.91 | 0.91 | 0.89 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 14.4x | 11.7x | 7.3x | 7.9x | 13.8x | 13.3x |
| P / B | 1.3x | 1.3x | 1.2x | 1.1x | 1.2x | 1.0x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 3.0x | 5.4x | 3.6x | 3.7x | -5.9x | -12.6x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -17.8% | -26.0% | 24.6% | 77.7% | 0.0% | -41.6% |
| Net income growth (YoY) | -16.9% | -25.3% | 26.2% | 55.3% | 12.7% | -40.9% |
| EPS growth (YoY) | -18.6% | -25.9% | 26.1% | 55.9% | 11.3% | -40.4% |
| EPS CAGR (3y) | -8.7% | 13.4% | 29.8% | 1.1% | -10.8% | 1.3% |
| EPS CAGR (5y) | 5.7% | -0.7% | 6.9% | 12.5% | 6.0% | 4.8% |
| FCF growth (YoY) | 6.3% | -9.7% | -4.5% | 40.9% | 20.8% | -5.1% |
| FCF CAGR (5y) | 9.3% | 6.9% | 15.3% | 27.4% | 12.8% | 8.2% |
| Book value growth (YoY) | 7.2% | 6.4% | 9.0% | -6.4% | 2.0% | 1.6% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |