United Security Bancshares
UBFO · NASDAQ
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Key indicators
UBFO profitability and balance sheet ratios
Book value per share $7.77 in Q4 FY25, up 5.4% on a year earlier.
| Period | Book value per share |
|---|---|
| Q1 FY24 | $7.23 |
| Q2 FY24 | $7.45 |
| Q3 FY24 | $7.67 |
| Q4 FY24 | $7.37 |
| Q1 FY25 | $7.70 |
| Q2 FY25 | $7.78 |
| Q3 FY25 | $7.86 |
| Q4 FY25 | $7.77 |
Where the money went
Q4 FY25, from revenue to net income
United Security Bancshares brought in $16.2M of revenue in Q4 FY25, +6.4% on a year earlier. 21¢ of every dollar became profit.
- Revenue
- $16.2M
- Costs, expenses and taxes
- $12.8M
- Net income
- $3.4M
- Net margin
- 21.0%
Income statement
Revenue and profit by reporting period
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|
| Revenue | $15.8M | $17.2M | $16.2M |
| Gross profit | $12.6M | $14.0M | $13.5M |
| Operating income | $3.0M | $5.7M | $4.3M |
| Net income | $2.2M | $4.0M | $3.4M |
| Diluted EPS | $0.13 | $0.23 | $0.19 |
Balance sheet
What the company owns and owes at period end
| Line item | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|
| Total assets | $1.2B | $1.2B | $1.2B |
| Total liabilities | $1.1B | $1.1B | $1.1B |
| Shareholder equity | $0.1B | $0.1B | $0.1B |
| Total debt | $0.0B | $0.0B | $0.0B |
Cash flow
Cash in and out from operations, investing and financing
| Line item | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|
| Operating cash flow | $8.7M | $7.0M | $3.4M |
| Investing cash flow | −$16.9M | −$4.4M | $43.0M |
| Financing cash flow | $19.3M | $15.1M | $7.8M |
| Capital expenditure | −$0.6M | −$0.8M | −$0.7M |
| Free cash flow | $8.1M | $6.1M | $2.6M |
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