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United Security Bancshares (UBFO) Financials

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 07/16/2026
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Annual Income Statements for United Security Bancshares

Annual Income Statements for United Security Bancshares

This table shows United Security Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.81 7.39 8.64 14 15 8.96 10 16 20 15 12
Consolidated Net Income / (Loss)		 6.81 7.39 8.64 14 15 8.96 10 16 20 15 12
Net Income / (Loss) Continuing Operations		 6.81 7.39 8.64 14 15 8.96 10 16 20 15 12
Total Pre-Tax Income 		11 12 16 19 21 12 13 22 27 20 17
Total Revenue		 31 33 36 39 43 37 39 48 55 52 54
Net Interest Income / (Expense)		 26 28 31 34 37 32 36 46 49 47 49
Total Interest Income		 27 29 33 37 41 35 38 49 60 61 61
Loans and Leases Interest Income		 26 28 31 32 35 32 35 43 54 55 55
Investment Securities Interest Income		 0.72 0.83 0.90 1.15 1.80 1.43 2.34 4.61 5.87 5.21 4.38
Deposits and Money Market Investments Interest Income		 0.21 0.46 1.21 3.09 4.88 0.73 0.24 1.61 0.32 0.31 1.01
Total Interest Expense		 1.28 1.41 1.73 2.70 3.89 2.29 2.08 3.20 11 14 12
Deposits Interest Expense		 1.06 1.17 1.43 2.28 3.43 2.01 1.90 2.82 6.76 9.58 11
Federal Funds Purchased and Securities Sold Interest Expense		 0.23 0.24 0.30 0.43 0.46 0.28 0.18 0.38 4.30 4.32 0.73
Total Non-Interest Income		 4.74 4.51 4.31 4.61 5.75 5.17 3.39 1.84 5.57 4.71 5.09
Other Service Charges		 4.22 0.71 0.80 4.42 4.06 3.32 3.59 4.23 3.83 4.20 4.13
Net Realized & Unrealized Capital Gains on Investments		 -0.01 -0.52 -0.88 -0.33 1.17 1.35 -0.76 -2.94 1.18 -0.04 0.39
Other Non-Interest Income		 0.52 4.32 4.39 0.52 0.53 0.50 0.56 0.56 0.56 0.55 0.56
Provision for Credit Losses		 -0.04 -0.02 0.02 -1.76 0.02 2.77 2.11 1.80 1.46 2.96 5.57
Total Non-Interest Expense		 20 20 20 21 22 22 24 24 26 28 32
Salaries and Employee Benefits		 9.92 11 11 12 11 11 12 12 13 14 16
Net Occupancy & Equipment Expense		 4.24 4.53 4.48 3.70 3.92 3.97 4.10 4.15 4.52 6.37 6.63
Other Operating Expenses		 4.48 4.42 4.11 5.51 6.84 7.48 7.80 8.05 8.27 8.03 8.73
Restructuring Charge		 - - - - - - - - - 0.00 0.67
Income Tax Expense		 4.50 4.87 7.04 5.33 6.10 3.45 3.22 6.37 7.68 5.54 4.41
Basic Earnings per Share		 $0.40 $0.44 $0.51 $0.83 $0.90 $0.53 $0.59 $0.92 $1.16 $0.85 $0.70
Weighted Average Basic Shares Outstanding		 16.88M 16.88M 16.89M 16.90M 16.95M 16.98M 17.01M 17.04M 17.11M 17.31M 17.49M
Diluted Earnings per Share		 $0.40 $0.44 $0.51 $0.83 $0.89 $0.53 $0.59 $0.92 $1.16 $0.85 $0.70
Weighted Average Diluted Shares Outstanding		 16.88M 16.89M 16.90M 16.94M 16.98M 17.00M 17.03M 17.06M 17.13M 17.31M 17.50M
Weighted Average Basic & Diluted Shares Outstanding		 16.60M 16.80M 16.89M 16.95M 16.97M 17.01M 17.03M 17.15M 17.26M 17.26M 17.26M
Cash Dividends to Common per Share		 - - $0.17 $0.28 $0.33 $0.33 $0.33 $0.33 $0.35 $0.36 $0.36

Quarterly Income Statements for United Security Bancshares

This table shows United Security Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 3.85 5.40 4.16 4.30 3.83 2.50 2.68 2.17 4.02 3.41
Consolidated Net Income / (Loss)		 3.85 5.40 4.16 4.30 3.83 2.50 2.68 2.17 4.02 3.41
Net Income / (Loss) Continuing Operations		 3.85 5.40 4.16 4.30 3.83 2.50 2.68 2.17 4.02 3.41
Total Pre-Tax Income 		5.41 7.20 5.86 6.05 5.14 3.28 3.75 3.02 5.66 4.26
Total Revenue		 12 15 13 13 14 12 14 13 14 14
Net Interest Income / (Expense)		 12 12 12 12 12 12 12 12 12 12
Total Interest Income		 15 15 15 15 16 15 15 15 16 15
Loans and Leases Interest Income		 14 14 13 14 14 14 14 14 14 13
Investment Securities Interest Income		 1.49 1.38 1.35 1.30 1.30 1.25 1.21 1.14 1.04 0.99
Deposits and Money Market Investments Interest Income		 0.07 0.14 0.04 0.09 0.06 0.11 0.13 0.10 0.32 0.45
Total Interest Expense		 3.41 3.45 3.17 3.45 3.94 3.34 2.99 3.14 3.21 2.71
Deposits Interest Expense		 1.84 1.63 1.72 1.86 3.06 2.93 2.78 2.87 3.05 2.62
Federal Funds Purchased and Securities Sold Interest Expense		 1.57 1.82 1.44 1.59 0.88 0.41 0.21 0.27 0.16 0.09
Total Non-Interest Income		 0.11 3.00 1.05 1.52 2.02 0.12 1.36 0.76 1.62 1.35
Other Service Charges		 0.92 1.01 1.20 1.04 1.23 1.00 0.96 1.00 1.24 0.94
Net Realized & Unrealized Capital Gains on Investments		 -0.90 1.83 -0.28 0.35 0.66 -1.03 0.27 -0.37 0.25 0.25
Other Non-Interest Income		 0.10 0.15 0.14 0.13 0.13 0.15 0.13 0.13 0.14 0.16
Provision for Credit Losses		 0.00 0.86 0.17 0.02 1.56 1.21 2.30 1.86 0.95 0.47
Total Non-Interest Expense		 6.63 6.88 6.74 6.97 7.14 7.43 7.60 7.74 7.43 8.81
Salaries and Employee Benefits		 3.38 3.22 3.50 3.39 3.53 3.47 3.93 3.85 3.62 4.17
Net Occupancy & Equipment Expense		 1.19 1.14 1.62 1.53 1.59 1.29 1.62 1.62 1.70 1.69
Other Operating Expenses		 2.06 2.53 1.62 2.05 2.02 2.67 2.06 2.28 2.11 2.28
Income Tax Expense		 1.56 1.80 1.70 1.75 1.31 0.79 1.07 0.86 1.63 0.85
Basic Earnings per Share		 $0.22 $0.32 $0.24 $0.25 $0.22 $0.15 $0.16 $0.13 $0.23 $0.18
Weighted Average Basic Shares Outstanding		 17.13M 17.11M 17.17M 17.19M 17.19M 17.19M 17.23M 17.24M 17.48M 17.49M
Diluted Earnings per Share		 $0.22 $0.32 $0.24 $0.25 $0.22 $0.15 $0.16 $0.13 $0.23 $0.18
Weighted Average Diluted Shares Outstanding		 17.14M 17.13M 17.17M 17.19M 17.21M 17.20M 17.26M 17.26M 17.49M 17.50M
Weighted Average Basic & Diluted Shares Outstanding		 17.14M 17.26M 17.32M 17.32M 17.32M 17.26M 17.48M 17.48M 17.58M 17.26M

Annual Cash Flow Statements for United Security Bancshares

This table details how cash moves in and out of United Security Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 22 -13 -5.10 112 -1.34 75 -75 -181 2.19 15 65
Net Cash From Operating Activities		 9.26 9.46 7.56 11 16 14 17 24 21 20 22
Net Cash From Continuing Operating Activities		 9.26 9.46 7.56 11 16 14 17 24 21 20 22
Net Income / (Loss) Continuing Operations		 6.81 7.39 8.64 14 15 8.96 10 16 20 15 12
Consolidated Net Income / (Loss)		 6.81 7.39 8.64 14 15 8.96 10 16 20 15 12
Provision For Loan Losses		 -0.04 -0.02 0.02 -1.76 0.02 2.77 2.11 1.80 1.46 2.96 5.57
Depreciation Expense		 1.46 1.43 1.34 1.35 1.40 1.41 1.41 1.32 1.46 1.47 1.46
Amortization Expense		 0.22 0.45 0.53 0.63 -0.03 0.47 0.69 1.22 1.15 1.06 1.20
Non-Cash Adjustments to Reconcile Net Income		 1.40 2.34 1.05 -0.23 -0.81 -0.27 -0.08 -0.22 -2.25 -0.93 -0.54
Changes in Operating Assets and Liabilities, net		 -0.59 -2.13 -4.02 -2.65 0.41 0.46 2.33 3.90 -0.23 0.29 1.98
Net Cash From Investing Activities		 -42 -77 -21 -12 -23 -66 -319 -174 88 13 26
Net Cash From Continuing Investing Activities		 -42 -77 -21 -12 -23 -66 -319 -174 88 13 26
Purchase of Property, Leasehold Improvements and Equipment		 -0.73 -1.07 -1.13 -1.02 -0.96 -1.14 -1.25 -2.14 -0.79 -1.04 -2.28
Purchase of Investment Securities		 -59 -87 -33 -35 -39 -90 -345 -198 -1.84 -13 -0.03
Sale and/or Maturity of Investments		 18 12 13 10 18 25 27 26 90 27 28
Net Cash From Financing Activities		 55 55 8.20 113 5.26 127 228 -30 -107 -17 17
Net Cash From Continuing Financing Activities		 55 55 8.20 113 5.26 127 228 -30 -107 -17 17
Net Change in Deposits		 56 55 11 118 13 134 235 -23 -161 53 31
Issuance of Debt		 - - - - - - - 0.00 - - 0.00
Repayment of Debt		 -1.80 - - - - - - - 62 -62 -6.00
Payment of Dividends		 0.00 0.00 -2.87 -4.73 -7.46 -7.47 -7.49 -7.50 -7.87 -8.31 -8.39

Quarterly Cash Flow Statements for United Security Bancshares

This table details how cash moves in and out of United Security Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 -23 5.49 2.22 -4.25 9.16 8.30 -18 11 18 54
Net Cash From Operating Activities		 -2.99 6.71 7.45 2.30 5.37 4.51 3.02 8.70 6.97 3.37
Net Cash From Continuing Operating Activities		 -2.99 6.71 7.45 2.30 5.51 4.51 3.02 8.72 6.91 3.32
Net Income / (Loss) Continuing Operations		 3.85 5.40 4.16 4.30 3.83 2.50 2.68 2.17 4.02 3.41
Consolidated Net Income / (Loss)		 3.85 5.40 4.16 4.30 3.83 2.50 2.68 2.17 4.02 3.41
Provision For Loan Losses		 -0.01 0.87 0.17 0.02 1.56 1.21 2.30 1.86 0.95 0.47
Depreciation Expense		 0.37 0.35 0.35 0.36 0.38 0.37 0.38 0.36 0.35 0.37
Amortization Expense		 0.09 0.85 0.11 0.10 0.60 0.73 0.10 0.09 0.71 0.30
Non-Cash Adjustments to Reconcile Net Income		 0.80 -2.87 0.32 -0.33 -1.27 0.01 -0.47 0.44 -0.84 0.32
Changes in Operating Assets and Liabilities, net		 -8.09 2.11 2.34 -2.15 0.41 -0.31 -1.98 3.80 1.72 -1.56
Net Cash From Investing Activities		 -0.34 64 4.39 -15 -24 47 4.16 -17 -4.43 43
Net Cash From Continuing Investing Activities		 -0.34 64 4.39 -15 -24 47 4.16 -17 -4.43 43
Purchase of Property, Leasehold Improvements and Equipment		 -0.22 -0.25 -0.46 -0.29 -0.10 -0.20 -0.12 -0.58 -0.84 -0.74
Purchase of Investment Securities		 -0.40 -0.00 -10 -20 -27 45 -0.01 -26 -12 38
Sale and/or Maturity of Investments		 0.29 64 15 5.55 3.35 2.79 4.29 10 8.11 5.79
Net Cash From Financing Activities		 -20 -65 -9.61 8.58 27 -43 -25 19 15 7.79
Net Cash From Continuing Financing Activities		 -20 -65 -9.61 8.58 27 -43 -25 19 15 7.79
Net Change in Deposits		 -59 17 -49 51 58 -7.40 -31 29 20 13
Repayment of Debt		 - - - - - - - - - -3.00
Payment of Dividends		 -2.24 -1.88 -2.07 -2.10 -2.08 -2.06 -2.08 -2.11 -2.10 -2.09

Annual Balance Sheets for United Security Bancshares

This table presents United Security Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 726 788 806 933 957 1,093 1,331 1,299 1,211 1,212 1,248
Cash and Due from Banks		 126 113 108 220 219 294 219 39 41 56 121
Trading Account Securities		 31 57 46 70 80 86 183 214 188 165 148
Loans and Leases, Net of Allowance		 506 562 593 579 -8.73 -9.59 -7.11 970 904 912 901
Loans and Leases		 515 571 602 588 -0.82 -1.06 2.22 980 920 928 915
Allowance for Loan and Lease Losses		 9.71 8.90 9.27 8.40 7.91 8.52 9.33 10 16 16 15
Premises and Equipment, Net		 11 10 10 9.84 9.38 9.11 8.95 9.77 9.10 8.67 9.43
Goodwill		 4.49 4.49 4.49 4.49 4.49 4.49 4.49 4.49 4.49 4.49 4.49
Other Assets		 47 40 44 49 653 708 923 63 64 65 65
Total Liabilities & Shareholders' Equity		 726 788 806 933 957 1,093 1,331 1,299 1,211 1,212 1,248
Total Liabilities		 636 691 704 824 841 975 1,211 1,187 1,089 1,081 1,109
Non-Interest Bearing Deposits		 262 263 307 293 312 392 477 482 403 360 422
Interest Bearing Deposits		 360 414 380 513 506 561 711 684 601 697 667
Long-Term Debt		 8.30 8.83 9.73 10 11 11 11 11 11 12 6.30
Other Long-Term Liabilities		 5.88 5.78 7.02 7.96 12 2.97 11 10 11 12 14
Commitments & Contingencies		 - - - - - - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 90 97 101 109 116 118 120 112 123 130 140
Total Preferred & Common Equity		 90 97 101 109 116 118 120 112 123 130 140
Total Common Equity		 90 97 101 109 116 118 120 112 123 130 140
Common Stock		 53 57 58 59 59 59 60 60 61 61 62
Retained Earnings		 37 41 44 50 58 59 62 70 77 83 87
Accumulated Other Comprehensive Income / (Loss)		 -0.20 -0.60 -0.71 0.67 -0.63 -0.73 -1.17 -17 -15 -14 -9.88

Quarterly Balance Sheets for United Security Bancshares

This table presents United Security Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025
Total Assets		 1,273 1,206 1,220 1,255 1,192 1,214 1,236
Cash and Due from Banks		 35 43 39 48 38 49 67
Trading Account Securities		 188 172 170 173 165 155 149
Loans and Leases, Net of Allowance		 957 914 934 959 905 931 942
Loans and Leases		 973 929 949 975 921 947 958
Allowance for Loan and Lease Losses		 16 15 15 17 15 16 16
Premises and Equipment, Net		 9.20 9.20 9.13 8.85 8.41 8.58 9.07
Goodwill		 4.49 4.49 4.49 4.49 4.49 4.49 4.49
Other Assets		 79 64 64 63 71 66 65
Total Liabilities & Shareholders' Equity		 1,273 1,206 1,220 1,255 1,192 1,214 1,236
Total Liabilities		 1,158 1,082 1,092 1,123 1,059 1,080 1,098
Non-Interest Bearing Deposits		 386 353 373 360 359 372 384
Interest Bearing Deposits		 601 603 634 705 667 684 692
Long-Term Debt		 11 11 11 11 11 12 9.15
Other Long-Term Liabilities		 17 12 11 12 13 12 13
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 115 124 127 133 133 134 137
Total Preferred & Common Equity		 115 124 127 133 133 134 137
Total Common Equity		 115 124 127 133 133 134 137
Common Stock		 61 61 61 61 61 62 62
Retained Earnings		 74 79 81 83 84 84 86
Accumulated Other Comprehensive Income / (Loss)		 -19 -16 -15 -11 -13 -12 -11

Annual Metrics And Ratios for United Security Bancshares

This table displays calculated financial ratios and metrics derived from United Security Bancshares' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 15,892,488.00 16,540,185.00 16,885,615.00 16,903,290.00 16,953,744.00 16,977,239.00 17,010,288.00 17,049,061.00 17,136,095.00 - 17,575,853.00
DEI Adjusted Shares Outstanding		 15,892,488.00 16,540,185.00 16,885,615.00 16,903,290.00 16,953,744.00 16,977,239.00 17,010,288.00 17,049,061.00 17,136,095.00 - 17,575,853.00
DEI Earnings Per Adjusted Shares Outstanding		 0.43 0.45 0.51 0.83 0.89 0.53 0.59 0.92 1.16 - 0.70
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.25% 5.55% 8.99% 8.48% 12.02% -13.20% 4.23% 22.71% 14.59% -6.06% 4.45%
EBITDA Growth		 7.45% 8.81% 24.09% 21.59% 6.17% -36.86% 7.81% 59.58% 22.30% -24.03% -15.31%
EBIT Growth		 8.64% 8.38% 27.95% 23.41% 9.92% -41.64% 7.27% 65.68% 24.56% -26.04% -17.84%
NOPAT Growth		 9.56% 8.44% 16.99% 62.23% 8.24% -40.94% 12.69% 55.34% 26.20% -25.32% -16.88%
Net Income Growth		 9.56% 8.44% 16.99% 62.23% 8.24% -40.94% 12.69% 55.34% 26.20% -25.32% -16.88%
EPS Growth		 8.11% 10.00% 15.91% 62.75% 7.23% -40.45% 11.32% 55.93% 26.09% -25.86% -17.65%
Operating Cash Flow Growth		 2.91% 2.09% -20.12% 50.15% 42.45% -14.60% 19.93% 43.20% -9.81% -8.14% 12.33%
Free Cash Flow Firm Growth		 92.58% -109.14% 1,933.73% 87.39% 36.24% -9.59% 5.79% 219.33% -60.45% -29.65% 24.82%
Invested Capital Growth		 5.37% 7.71% 5.31% 7.48% 6.20% 1.53% 2.07% -6.13% 8.44% 6.11% 2.85%
Revenue Q/Q Growth		 1.41% 1.74% 3.42% 3.53% -1.57% -1.89% 3.79% 8.88% 0.76% -5.54% 3.10%
EBITDA Q/Q Growth		 -0.13% 0.09% 7.30% 6.58% -5.68% -5.64% 5.52% 20.75% -0.61% -14.93% 5.65%
EBIT Q/Q Growth		 0.23% -0.53% 8.36% 6.70% -5.34% -6.96% 6.90% 19.38% -1.12% -16.18% 6.25%
NOPAT Q/Q Growth		 1.11% -1.05% 0.96% 19.76% -6.50% -9.78% 16.73% 14.36% 0.30% -16.42% 8.07%
Net Income Q/Q Growth		 1.11% -1.05% 0.96% 19.76% -6.50% -9.78% 16.73% 14.36% 0.30% -16.42% 8.07%
EPS Q/Q Growth		 2.56% 4.76% 0.00% 18.57% -7.29% -7.02% 15.69% 15.00% 0.00% -16.50% 6.06%
Operating Cash Flow Q/Q Growth		 -3.85% 10.62% -6.65% 13.36% 15.45% -12.44% 24.30% 4.42% -8.40% -10.08% -4.93%
Free Cash Flow Firm Q/Q Growth		 -16.58% 65.70% 72.66% 16.48% -4.49% -4.25% 16.83% -11.28% -15.63% 1,264.73% -9.34%
Invested Capital Q/Q Growth		 2.12% 1.58% 0.40% 1.66% 1.00% 0.47% 0.75% 5.08% 6.16% -1.60% -0.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 42.09% 43.39% 49.40% 55.37% 52.48% 38.17% 39.48% 51.35% 54.80% 44.32% 35.93%
EBIT Margin		 36.63% 37.61% 44.16% 50.24% 49.29% 33.14% 34.11% 46.05% 50.06% 39.41% 31.00%
Profit (Net Income) Margin		 22.06% 22.67% 24.33% 36.39% 35.16% 23.93% 25.87% 32.75% 36.06% 28.67% 22.82%
Tax Burden Percent		 60.23% 60.27% 55.11% 72.44% 71.33% 72.20% 75.85% 71.11% 72.05% 72.75% 73.60%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 39.77% 39.73% 44.89% 27.56% 28.67% 27.80% 24.16% 28.89% 27.95% 27.25% 26.40%
Return on Invested Capital (ROIC)		 7.14% 7.26% 7.98% 12.16% 12.33% 7.01% 7.76% 12.32% 15.40% 10.72% 8.54%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.14% 7.26% 7.98% 12.16% 12.33% 7.01% 7.76% 12.32% 15.40% 10.72% 8.54%
Return on Net Nonoperating Assets (RNNOA)		 0.76% 0.67% 0.75% 1.15% 1.15% 0.65% 0.72% 1.17% 1.45% 0.97% 0.56%
Return on Equity (ROE)		 7.90% 7.93% 8.73% 13.31% 13.47% 7.67% 8.49% 13.48% 16.85% 11.69% 9.10%
Cash Return on Invested Capital (CROIC)		 1.90% -0.16% 2.81% 4.95% 6.31% 5.50% 5.71% 18.64% 7.30% 4.79% 5.73%
Operating Return on Assets (OROA)		 1.63% 1.62% 1.97% 2.23% 2.25% 1.21% 1.10% 1.68% 2.19% 1.68% 1.36%
Return on Assets (ROA)		 0.98% 0.98% 1.08% 1.61% 1.61% 0.87% 0.83% 1.19% 1.58% 1.22% 1.00%
Return on Common Equity (ROCE)		 7.90% 7.93% 8.73% 13.31% 13.47% 7.67% 8.49% 13.48% 16.85% 11.69% 9.10%
Return on Equity Simple (ROE_SIMPLE)		 7.60% 7.64% 8.52% 12.83% 13.08% 7.61% 8.40% 13.95% 16.15% 11.34% 8.80%
Net Operating Profit after Tax (NOPAT)		 6.81 7.39 8.64 14 15 8.96 10 16 20 15 12
NOPAT Margin		 22.06% 22.67% 24.33% 36.39% 35.16% 23.93% 25.87% 32.75% 36.06% 28.67% 22.82%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.89% 46.52% 43.10% 40.04% 34.82% 39.50% 40.51% 33.37% 32.21% 36.24% 41.19%
Operating Expenses to Revenue		 63.50% 62.45% 55.77% 54.34% 50.66% 59.46% 60.50% 50.19% 47.28% 54.85% 58.65%
Earnings before Interest and Taxes (EBIT)		 11 12 16 19 21 12 13 22 27 20 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 14 18 21 23 14 15 25 30 23 19
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.57 0.83 1.18 0.98 1.10 0.76 0.91 0.91 1.04 1.31 1.27
Price to Tangible Book Value (P/TBV)		 0.60 0.87 1.23 1.02 1.14 0.79 0.94 0.95 1.08 1.35 1.31
Price to Revenue (P/Rev)		 1.65 2.46 3.36 2.79 2.94 2.39 2.79 2.14 2.31 3.30 3.29
Price to Earnings (P/E)		 7.49 10.83 13.81 7.66 8.37 9.98 10.79 6.55 6.42 11.52 14.40
Dividend Yield		 0.00% 0.00% 2.41% 5.51% 5.87% 8.36% 6.87% 7.30% 6.20% 4.88% 4.77%
Earnings Yield		 13.35% 9.23% 7.24% 13.06% 11.94% 10.02% 9.27% 15.27% 15.58% 8.68% 6.94%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.19 0.00 0.00 0.00 0.00 0.61 0.73 0.89 0.43
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.59 0.00 0.00 0.00 0.00 1.57 1.78 2.44 1.16
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 1.20 0.00 0.00 0.00 0.00 3.05 3.24 5.50 3.22
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 1.34 0.00 0.00 0.00 0.00 3.40 3.55 6.18 3.73
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 2.44 0.00 0.00 0.00 0.00 4.78 4.92 8.50 5.07
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 2.79 0.00 0.00 0.00 0.00 3.17 4.56 6.40 2.83
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.93 0.00 0.00 0.00 0.00 3.16 10.38 19.02 7.56
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.09 0.09 0.10 0.09 0.09 0.09 0.09 0.10 0.09 0.09 0.05
Long-Term Debt to Equity		 0.09 0.09 0.10 0.09 0.09 0.09 0.09 0.10 0.09 0.09 0.05
Financial Leverage		 0.11 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.07
Leverage Ratio		 8.05 8.13 8.05 8.26 8.39 8.77 10.18 11.30 10.68 9.58 9.11
Compound Leverage Factor		 8.05 8.13 8.05 8.26 8.39 8.77 10.18 11.30 10.68 9.58 9.11
Debt to Total Capital		 8.48% 8.37% 8.76% 8.51% 8.52% 8.49% 8.52% 8.82% 8.38% 8.15% 4.31%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 8.48% 8.37% 8.76% 8.51% 8.52% 8.49% 8.52% 8.82% 8.38% 8.15% 4.31%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 91.53% 91.63% 91.24% 91.49% 91.48% 91.51% 91.48% 91.18% 91.62% 91.85% 95.69%
Debt to EBITDA		 0.64 0.62 0.55 0.48 0.48 0.76 0.73 0.44 0.37 0.51 0.33
Net Debt to EBITDA		 -9.16 -7.42 -5.60 -9.86 -9.19 -19.81 -13.50 -1.13 -0.98 -1.95 -5.92
Long-Term Debt to EBITDA		 0.64 0.62 0.55 0.48 0.48 0.76 0.73 0.44 0.37 0.51 0.33
Debt to NOPAT		 1.22 1.20 1.13 0.72 0.71 1.22 1.11 0.69 0.57 0.78 0.51
Net Debt to NOPAT		 -17.47 -14.20 -11.37 -14.99 -13.72 -31.60 -20.60 -1.77 -1.49 -3.02 -9.33
Long-Term Debt to NOPAT		 1.22 1.20 1.13 0.72 0.71 1.22 1.11 0.69 0.57 0.78 0.51
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1.82 -0.17 3.04 5.70 7.77 7.03 7.43 24 9.39 6.60 8.24
Operating Cash Flow to CapEx		 1,319.66% 881.45% 669.77% 1,107.81% 1,711.86% 1,209.47% 1,334.68% 1,107.48% 2,716.14% 1,889.80% 966.94%
Free Cash Flow to Firm to Interest Expense		 1.42 -0.12 1.76 2.11 2.00 3.07 3.58 7.43 0.85 0.48 0.68
Operating Cash Flow to Interest Expense		 7.23 6.71 4.37 4.20 4.16 6.03 7.96 7.42 1.93 1.41 1.83
Operating Cash Flow Less CapEx to Interest Expense		 6.68 5.95 3.72 3.82 3.91 5.53 7.36 6.75 1.86 1.34 1.64
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.05 0.04 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.76 3.07 3.45 3.85 4.49 4.05 4.32 5.12 5.82 5.80 5.95
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 98 105 111 119 127 129 131 123 134 142 146
Invested Capital Turnover		 0.32 0.32 0.33 0.33 0.35 0.29 0.30 0.38 0.43 0.37 0.37
Increase / (Decrease) in Invested Capital		 4.99 7.55 5.60 8.31 7.40 1.94 2.67 -8.05 10 8.18 4.05
Enterprise Value (EV)		 -68 -25 21 -103 -81 -194 -99 75 97 126 62
Market Capitalization		 51 80 119 107 127 89 109 103 127 170 177
Book Value per Share		 $5.64 $5.84 $6.00 $6.46 $6.84 $6.94 $7.07 $6.60 $7.15 $7.53 $7.95
Tangible Book Value per Share		 $5.36 $5.57 $5.74 $6.20 $6.58 $6.67 $6.80 $6.33 $6.89 $7.27 $7.69
Total Capital		 98 105 111 119 127 129 131 123 134 142 146
Total Debt		 8.30 8.83 9.73 10 11 11 11 11 11 12 6.30
Total Long-Term Debt		 8.30 8.83 9.73 10 11 11 11 11 11 12 6.30
Net Debt		 -119 -105 -98 -210 -208 -283 -208 -28 -30 -45 -115
Capital Expenditures (CapEx)		 0.70 1.07 1.13 1.02 0.94 1.14 1.24 2.14 0.79 1.04 2.28
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 8.30 8.83 9.73 10 11 11 11 11 11 12 6.30
Total Depreciation and Amortization (D&A)		 1.68 1.88 1.86 1.98 1.37 1.88 2.10 2.54 2.60 2.53 2.66
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.42 $0.44 $0.51 $0.83 $0.90 $0.53 $0.59 $0.92 $1.16 $0.86 $0.70
Adjusted Weighted Average Basic Shares Outstanding		 16.05M 16.70M 16.89M 16.90M 16.95M 16.98M 17.01M 17.04M 17.11M 17.19M 17.49M
Adjusted Diluted Earnings per Share		 $0.42 $0.44 $0.51 $0.83 $0.89 $0.53 $0.59 $0.92 $1.16 $0.86 $0.70
Adjusted Weighted Average Diluted Shares Outstanding		 16.05M 16.71M 16.90M 16.94M 16.98M 17.00M 17.03M 17.06M 17.13M 17.20M 17.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 16.05M 16.71M 16.89M 16.95M 16.97M 17.01M 17.03M 17.15M 17.26M 17.26M 17.26M
Normalized Net Operating Profit after Tax (NOPAT)		 6.81 7.39 8.64 14 15 8.96 10 16 20 15 13
Normalized NOPAT Margin		 22.06% 22.67% 24.33% 36.39% 35.16% 23.93% 25.87% 32.75% 36.06% 28.67% 23.74%
Pre Tax Income Margin		 36.63% 37.61% 44.16% 50.24% 49.29% 33.14% 34.11% 46.05% 50.06% 39.41% 31.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 8.83 8.70 9.06 7.16 5.47 5.42 6.40 6.90 2.49 1.46 1.39
NOPAT to Interest Expense		 5.32 5.24 4.99 5.19 3.90 3.91 4.86 4.91 1.79 1.06 1.02
EBIT Less CapEx to Interest Expense		 8.28 7.94 8.41 6.78 5.23 4.92 5.81 6.23 2.41 1.39 1.20
NOPAT Less CapEx to Interest Expense		 4.77 4.48 4.34 4.81 3.66 3.41 4.26 4.24 1.72 0.99 0.83
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 33.22% 33.76% 49.16% 83.34% 74.16% 47.79% 39.76% 56.19% 68.24%
Augmented Payout Ratio		 0.00% 0.00% 33.22% 33.76% 49.16% 83.34% 74.16% 47.79% 39.76% 56.19% 68.24%

Quarterly Metrics And Ratios for United Security Bancshares

This table displays calculated financial ratios and metrics derived from United Security Bancshares' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
DEI Shares Outstanding		 17,094,298.00 17,136,095.00 17,255,505.00 17,315,195.00 17,322,758.00 - 17,255,505.00 17,475,927.00 17,476,427.00 17,575,853.00
DEI Adjusted Shares Outstanding		 17,094,298.00 17,136,095.00 17,255,505.00 17,315,195.00 17,322,758.00 - 17,255,505.00 17,475,927.00 17,476,427.00 17,575,853.00
DEI Earnings Per Adjusted Shares Outstanding		 0.23 0.32 0.24 0.25 0.22 - 0.16 0.12 0.23 0.19
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -8.28% 2.83% -11.30% -3.52% 14.96% -20.24% 6.96% -3.21% 1.46% 13.60%
EBITDA Growth		 -9.58% -2.17% -30.82% -2.46% 4.21% -47.74% -33.05% -46.68% 9.73% 26.50%
EBIT Growth		 -14.18% -4.15% -32.27% -2.73% -5.08% -54.44% -35.93% -49.99% 10.13% 29.92%
NOPAT Growth		 -13.75% 1.12% -32.07% -2.72% -0.62% -53.79% -35.54% -49.52% 5.07% 36.78%
Net Income Growth		 -13.75% 1.12% -32.07% -2.72% -0.62% -53.79% -35.54% -49.52% 5.07% 36.78%
EPS Growth		 -15.38% 0.00% -33.33% -3.85% 0.00% -53.13% -33.33% -48.00% 4.55% 28.57%
Operating Cash Flow Growth		 -141.10% -22.60% -20.15% -72.33% 279.54% -32.77% -59.48% 277.69% 29.74% -25.35%
Free Cash Flow Firm Growth		 -127.17% -137.40% -211.79% -443.43% -203.26% -13.48% 18.36% 36.95% 112.10% 88.90%
Invested Capital Growth		 7.33% 8.44% 9.37% 9.81% 14.49% 6.11% 6.46% 5.25% 1.58% 2.85%
Revenue Q/Q Growth		 -10.95% 24.20% -14.58% 2.13% 6.10% -13.83% 14.54% -7.58% 11.22% -3.52%
EBITDA Q/Q Growth		 -12.13% 43.17% -24.79% 3.10% -6.13% -22.02% 8.32% -17.90% 93.20% -26.38%
EBIT Q/Q Growth		 -12.98% 33.14% -18.70% 3.26% -15.08% -36.09% 14.32% -19.40% 87.00% -24.60%
NOPAT Q/Q Growth		 -12.77% 40.18% -22.96% 3.27% -10.89% -34.81% 7.45% -19.13% 85.48% -15.14%
Net Income Q/Q Growth		 -12.77% 40.18% -22.96% 3.27% -10.89% -34.81% 7.45% -19.13% 85.48% -15.14%
EPS Q/Q Growth		 -15.38% 45.45% -25.00% 4.17% -12.00% -31.82% 14.29% -18.75% 76.92% -21.74%
Operating Cash Flow Q/Q Growth		 -135.92% 324.44% 10.95% -69.07% 133.07% -15.96% -33.13% 188.34% -19.94% -51.64%
Free Cash Flow Firm Q/Q Growth		 -218.83% -5.28% -48.68% -8.89% -77.92% 60.61% -6.97% 15.91% 134.14% -136.16%
Invested Capital Q/Q Growth		 -0.32% 6.16% 1.33% 2.41% 3.92% -1.60% 1.66% 1.24% 0.30% -0.37%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 48.76% 56.21% 49.49% 49.96% 44.20% 36.82% 30.98% 27.52% 47.80% 36.48%
EBIT Margin		 44.95% 48.19% 45.87% 46.38% 37.12% 27.53% 27.48% 23.96% 40.29% 31.48%
Profit (Net Income) Margin		 32.02% 36.13% 32.59% 32.96% 27.68% 20.94% 19.64% 17.19% 28.66% 25.21%
Tax Burden Percent		 71.22% 74.98% 71.06% 71.06% 74.57% 76.05% 71.48% 71.73% 71.14% 80.07%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.78% 25.02% 28.94% 28.94% 25.43% 23.95% 28.52% 28.27% 28.86% 19.93%
Return on Invested Capital (ROIC)		 14.33% 15.43% 13.38% 13.12% 11.18% 7.83% 7.36% 6.28% 10.30% 9.43%
ROIC Less NNEP Spread (ROIC-NNEP)		 14.33% 15.43% 13.38% 13.12% 11.18% 7.83% 7.36% 6.28% 10.30% 9.43%
Return on Net Nonoperating Assets (RNNOA)		 1.37% 1.45% 1.26% 1.20% 1.01% 0.71% 0.65% 0.56% 0.78% 0.62%
Return on Equity (ROE)		 15.71% 16.88% 14.64% 14.32% 12.19% 8.54% 8.01% 6.84% 11.08% 10.06%
Cash Return on Invested Capital (CROIC)		 9.14% 7.30% 4.80% 4.00% -0.42% 4.79% 3.25% 2.73% 6.25% 5.73%
Operating Return on Assets (OROA)		 1.85% 2.11% 1.98% 1.95% 1.60% 1.17% 1.20% 1.02% 1.69% 1.38%
Return on Assets (ROA)		 1.32% 1.58% 1.41% 1.39% 1.20% 0.89% 0.86% 0.73% 1.20% 1.10%
Return on Common Equity (ROCE)		 15.71% 16.88% 14.64% 14.32% 12.19% 8.54% 8.01% 6.84% 11.08% 10.06%
Return on Equity Simple (ROE_SIMPLE)		 17.16% 0.00% 14.36% 13.91% 13.31% 0.00% 10.01% 8.32% 8.28% 0.00%
Net Operating Profit after Tax (NOPAT)		 3.85 5.40 4.16 4.30 3.83 2.50 2.68 2.17 4.02 3.41
NOPAT Margin		 32.02% 36.13% 32.59% 32.96% 27.68% 20.94% 19.64% 17.19% 28.66% 25.21%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 37.92% 29.14% 40.10% 37.76% 37.01% 39.94% 40.59% 43.28% 37.90% 43.28%
Operating Expenses to Revenue		 55.05% 46.04% 52.78% 53.48% 51.62% 62.30% 55.68% 61.32% 52.96% 65.06%
Earnings before Interest and Taxes (EBIT)		 5.41 7.20 5.86 6.05 5.14 3.28 3.75 3.02 5.66 4.26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 5.87 8.40 6.32 6.51 6.12 4.39 4.23 3.47 6.71 4.94
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.96 1.04 0.96 0.90 1.05 1.31 1.10 1.08 1.16 1.27
Price to Tangible Book Value (P/TBV)		 1.00 1.08 0.99 0.93 1.09 1.35 1.14 1.12 1.20 1.31
Price to Revenue (P/Rev)		 2.02 2.31 2.23 2.16 2.55 3.30 2.80 2.80 3.04 3.29
Price to Earnings (P/E)		 5.59 6.42 6.67 6.44 7.88 11.52 11.02 13.02 13.99 14.40
Dividend Yield		 6.98% 6.20% 6.82% 7.29% 5.96% 4.88% 5.65% 5.76% 5.27% 4.77%
Earnings Yield		 17.90% 15.58% 14.99% 15.52% 12.69% 8.68% 9.07% 7.68% 7.15% 6.94%
Enterprise Value to Invested Capital (EV/IC)		 0.68 0.73 0.64 0.63 0.71 0.89 0.83 0.74 0.69 0.43
Enterprise Value to Revenue (EV/Rev)		 1.58 1.78 1.64 1.64 1.89 2.44 2.29 2.08 1.94 1.16
Enterprise Value to EBITDA (EV/EBITDA)		 2.84 3.24 3.20 3.20 3.76 5.50 5.79 6.11 5.54 3.22
Enterprise Value to EBIT (EV/EBIT)		 3.09 3.55 3.54 3.54 4.25 6.18 6.60 7.13 6.45 3.73
Enterprise Value to NOPAT (EV/NOPAT)		 4.35 4.92 4.90 4.90 5.82 8.50 9.03 9.69 8.92 5.07
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.68 4.56 4.48 6.44 4.71 6.40 7.90 5.01 4.37 2.83
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.72 10.38 14.03 16.35 0.00 19.02 26.44 27.80 11.16 7.56
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.10 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.07 0.05
Long-Term Debt to Equity		 0.10 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.07 0.05
Financial Leverage		 0.10 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.08 0.07
Leverage Ratio		 11.90 10.68 10.41 10.32 10.20 9.58 9.33 9.30 9.22 9.11
Compound Leverage Factor		 11.90 10.68 10.41 10.32 10.20 9.58 9.33 9.30 9.22 9.11
Debt to Total Capital		 8.70% 8.38% 8.37% 8.25% 7.90% 8.15% 7.91% 8.10% 6.24% 4.31%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 8.70% 8.38% 8.37% 8.25% 7.90% 8.15% 7.91% 8.10% 6.24% 4.31%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 91.30% 91.62% 91.63% 91.75% 92.10% 91.85% 92.09% 91.90% 93.76% 95.69%
Debt to EBITDA		 0.36 0.37 0.42 0.42 0.42 0.51 0.55 0.67 0.50 0.33
Net Debt to EBITDA		 -0.80 -0.98 -1.16 -1.01 -1.34 -1.95 -1.28 -2.10 -3.15 -5.92
Long-Term Debt to EBITDA		 0.36 0.37 0.42 0.42 0.42 0.51 0.55 0.67 0.50 0.33
Debt to NOPAT		 0.56 0.57 0.64 0.65 0.64 0.78 0.86 1.06 0.80 0.51
Net Debt to NOPAT		 -1.23 -1.49 -1.78 -1.54 -2.06 -3.02 -1.99 -3.33 -5.07 -9.33
Long-Term Debt to NOPAT		 0.56 0.57 0.64 0.65 0.64 0.78 0.86 1.06 0.80 0.51
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -4.76 -5.01 -7.45 -8.11 -14 -5.68 -6.08 -5.11 1.75 -0.63
Operating Cash Flow to CapEx		 -1,335.27% 2,653.36% 1,636.92% 808.42% 5,213.59% 2,302.55% 2,494.21% 1,492.62% 833.37% 454.66%
Free Cash Flow to Firm to Interest Expense		 -1.40 -1.45 -2.35 -2.35 -3.66 -1.70 -2.04 -1.63 0.54 -0.23
Operating Cash Flow to Interest Expense		 -0.88 1.94 2.35 0.67 1.36 1.35 1.01 2.77 2.17 1.25
Operating Cash Flow Less CapEx to Interest Expense		 -0.94 1.87 2.21 0.59 1.34 1.29 0.97 2.58 1.91 0.97
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 5.83 5.82 5.70 5.72 6.05 5.80 5.95 5.88 5.83 5.95
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 126 134 136 139 144 142 144 146 147 146
Invested Capital Turnover		 0.45 0.43 0.41 0.40 0.40 0.37 0.37 0.37 0.36 0.37
Increase / (Decrease) in Invested Capital		 8.61 10 12 12 18 8.18 8.76 7.28 2.28 4.05
Enterprise Value (EV)		 86 97 87 87 103 126 120 108 101 62
Market Capitalization		 110 127 119 114 139 170 147 146 159 177
Book Value per Share		 $6.73 $7.15 $7.20 $7.35 $7.67 $7.53 $7.70 $7.68 $7.86 $7.95
Tangible Book Value per Share		 $6.47 $6.89 $6.94 $7.10 $7.41 $7.27 $7.44 $7.43 $7.60 $7.69
Total Capital		 126 134 136 139 144 142 144 146 147 146
Total Debt		 11 11 11 11 11 12 11 12 9.15 6.30
Total Long-Term Debt		 11 11 11 11 11 12 11 12 9.15 6.30
Net Debt		 -24 -30 -32 -27 -37 -45 -26 -37 -58 -115
Capital Expenditures (CapEx)		 0.22 0.25 0.46 0.29 0.10 0.20 0.12 0.58 0.84 0.74
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 11 11 11 11 11 12 11 12 9.15 6.30
Total Depreciation and Amortization (D&A)		 0.46 1.20 0.46 0.47 0.98 1.11 0.48 0.45 1.06 0.68
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.22 $0.32 $0.24 $0.25 $0.22 $0.15 $0.16 $0.13 $0.23 $0.18
Adjusted Weighted Average Basic Shares Outstanding		 17.13M 17.11M 17.17M 17.19M 17.19M 17.19M 17.23M 17.24M 17.48M 17.49M
Adjusted Diluted Earnings per Share		 $0.22 $0.32 $0.24 $0.25 $0.22 $0.15 $0.16 $0.13 $0.23 $0.18
Adjusted Weighted Average Diluted Shares Outstanding		 17.14M 17.13M 17.17M 17.19M 17.21M 17.20M 17.26M 17.26M 17.49M 17.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.14M 17.26M 17.32M 17.32M 17.32M 17.26M 17.48M 17.48M 17.58M 17.26M
Normalized Net Operating Profit after Tax (NOPAT)		 3.85 5.40 4.16 4.30 3.83 2.50 2.68 2.17 4.02 3.41
Normalized NOPAT Margin		 32.02% 36.13% 32.59% 32.96% 27.68% 20.94% 19.64% 17.19% 28.66% 25.21%
Pre Tax Income Margin		 44.95% 48.19% 45.87% 46.38% 37.12% 27.53% 27.48% 23.96% 40.29% 31.48%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 1.59 2.09 1.85 1.75 1.30 0.98 1.26 0.96 1.76 1.58
NOPAT to Interest Expense		 1.13 1.56 1.31 1.25 0.97 0.75 0.90 0.69 1.25 1.26
EBIT Less CapEx to Interest Expense		 1.52 2.01 1.71 1.67 1.28 0.92 1.22 0.78 1.50 1.30
NOPAT Less CapEx to Interest Expense		 1.07 1.49 1.17 1.16 0.95 0.69 0.86 0.50 0.99 0.99
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 39.85% 39.76% 45.24% 46.77% 45.94% 56.19% 62.54% 74.56% 73.45% 68.24%
Augmented Payout Ratio		 39.85% 39.76% 45.24% 46.77% 45.94% 56.19% 62.54% 74.56% 73.45% 68.24%

Financials Breakdown Chart

Key Financial Trends

United Security Bancshares (NASDAQ: UBFO) finished 2025 with a stronger earnings and cash-flow profile than the prior year, but the quarterly trend still shows some pressure on revenue quality and balance-sheet composition. Over the last four years, the company has remained profitable, generated steady operating cash flow, and maintained solid capital, though deposit outflows and heavier reliance on wholesale funding have been recurring themes.

  • Profitability remained intact in 2025. UBFO earned $3.4 million in Q4 2025, up from $2.5 million in Q4 2024, and full-year quarterly earnings stayed positive across all periods shown.
  • Full-year trend in 2025 was generally constructive. Q1 to Q4 2025 net income moved from $2.7 million to $4.0 million, then $2.2 million, then $3.4 million, showing the bank can still produce consistent earnings.
  • Operating cash flow improved sharply in late 2025. Net cash from operating activities rose to $3.4 million in Q4 2025 from $0.1 million in Q3 2025 and $8.7 million in Q2 2025.
  • Liquidity strengthened meaningfully in Q4 2025. Cash and equivalents jumped to $67.7 million from $49.1 million in Q2 2025 and $66.8 million in Q3 2025, aided by strong investing and financing inflows.
  • Loan growth continued. Net loans and leases increased to $942.1 million in Q3 2025 from $931.4 million in Q2 2025 and $905.3 million in Q1 2025, supporting earning assets.
  • Equity base remains stable. Total common equity was $137.4 million in Q3 2025, up from $132.9 million in Q3 2024 and $124.2 million in Q1 2024, indicating the bank has preserved capital over time.
  • Net interest income was broadly stable. Q4 2025 net interest income was $12.2 million, close to the $12.4 million reported in Q3 2025 and slightly above Q4 2024’s $11.8 million.
  • Non-interest income remains a smaller and somewhat volatile contributor. It improved to $1.35 million in Q4 2025, but prior quarters showed swings tied to capital gains and service charges.
  • Deposit levels fluctuate quarter to quarter. Q1 2025 saw a large deposit decline, while Q2 and Q3 2025 posted sizable inflows, suggesting funding is not perfectly stable.
  • Funding mix has become more reliant on higher-cost liabilities at times. Federal funds purchased and debt balances have moved up in several periods, including $34.0 million in Q3 2024 and $11.8 million of long-term debt plus other borrowings in 2025, which can pressure margins.
  • Provisioning for credit losses remains meaningful. The company recorded a $468,000 provision in Q4 2025, following $948,000 in Q3 2025 and $1.9 million in Q2 2025, indicating ongoing caution around credit quality.
  • Deposit-related interest expense stayed elevated in 2025 versus earlier periods. Q4 2025 deposit interest expense was $2.6 million, still a notable drag on spread income even though it improved from prior quarters.
  • Quarterly earnings are not steadily rising. After peaking at $4.0 million in Q3 2025, net income fell in Q4 2025, showing that results can still be choppy.

Bottom line: UBFO looks like a consistently profitable community bank with solid capital and decent cash generation, but investors should watch the bank’s deposit trends, funding costs, and credit-loss provisions. The 2025 results suggest stability rather than rapid growth.

07/17/26 01:37 PM ETAI Generated. May Contain Errors.

United Security Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, United Security Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

United Security Bancshares' net income appears to be on an upward trend, with a most recent value of $12.29 million in 2025, rising from $6.81 million in 2015. The previous period was $14.78 million in 2024. Check out United Security Bancshares' forecast to explore projected trends and price targets.

Over the last 10 years, United Security Bancshares' total revenue changed from $30.86 million in 2015 to $53.86 million in 2025, a change of 74.5%.

United Security Bancshares' total liabilities were at $1.11 billion at the end of 2025, a 2.5% increase from 2024, and a 74.3% increase since 2015.

In the past 10 years, United Security Bancshares' cash and equivalents has ranged from $38.60 million in 2022 to $294.07 million in 2020, and is currently $120.96 million as of their latest financial filing in 2025.

Over the last 10 years, United Security Bancshares' book value per share changed from 5.64 in 2015 to 7.95 in 2025, a change of 40.9%.


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Financial statements for NASDAQ:UBFO last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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