United Security Bancshares (UBFO) Financials

$10.51

$0.00 (0.00%)

As on 01-Apr-2026 09:30EDT

Market cap

$185 Mln

Revenue (TTM)

$64 Mln

P/E Ratio

15

P/B Ratio

1.3

Div. Yield

4.6 %

Annual
Quarterly

Income Statement ($ Mln)	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Operating Revenue	65.90	65.46	65.95	51.00	41.03	39.67
Cost of Revenue	17.62	16.86	12.52	5.00	4.19	5.06
Gross Profit	48.28	48.60	53.43	46.01	36.84	34.61
Operating Expenses	31.59	28.28	25.95	23.95	23.53	22.20
Operating Profit (EBIT)	16.70	20.32	27.48	22.06	13.31	12.41
Other Income	--	--	--	--	--	--
Profit before Tax	16.70	20.32	27.48	22.06	13.31	12.41
Provision for Tax	4.41	5.54	7.68	6.37	3.22	3.45
Profit after Tax (Net Income)	12.29	14.78	19.80	15.69	10.10	8.96
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	15.69	10.10	8.96

Liabilities ($ Mln)	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Shareholder's Funds	139.68	130.36	122.54	112.46	120.21	117.81
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	686.73	23.73	22.03	21.25	22.63	13.89
Current Liabilities	421.90	1,057.62	1,066.48	1,165.48	1,188.11	0.03
Total Liabilities	1,248.31	1,211.72	1,211.05	1,299.19	1,330.94	1,092.65

Assets ($ Mln)	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Non-Current Assets	32.54	990.02	981.07	1,044.56	925.29	101.71
Current Assets	267.94	221.70	229.98	254.63	405.65	385.52
Total Assets	1,248.31	1,211.72	1,211.05	1,299.19	1,330.94	1,092.65
Total Debt*	13.01	14.73	74.65	12.98	13.89	13.89
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Cash From Operating Activities	22.06	19.64	21.38	23.70	16.55	13.80
Cash Flow from Investing Activities	25.92	12.95	87.58	-174.23	-319.37	-65.55
Cash from Financing Activities	16.77	-17.16	-106.77	-30.09	227.97	126.82
Net Cash Inflow / Outflow	--	--	--	--	-74.85	75.07

Financials Ratios	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Adjusted EPS ($)	0.71	0.86	1.15	0.92	0.59	0.53
Cash EPS ($)	0.84	0.98	1.20	0.96	0.66	0.61
Adjusted Book Value ($)	8.09	7.56	7.14	6.59	7.05	6.92
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	1.28	1.14	1.25	1.39	0.97	0.81
Free Cash Flow per Share ($)	1.15	1.08	1.20	1.26	0.90	0.74

Profitability Ratios	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
ROCE (%)	8.25	8.64	12.27	12.09	7.60	6.84
ROE (%)	9.10	11.69	16.85	13.48	8.49	7.67
ROA (%)	1.00	1.22	1.58	1.19	0.83	0.87
EBIT Margin (%)	--	31.04	41.66	43.25	32.45	31.29
Net Margin (%)	18.65	22.58	30.02	30.76	24.61	22.59
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Revenue Growth (%)	0.01	-0.01	0.29	0.24	0.03	-0.16
EBIT Growth (%)	--	-26.04	24.56	65.68	7.27	-41.64
Net Profit Growth (%)	-16.88	-25.32	26.20	55.34	12.69	-40.94
EPS Growth (%)	-0.17	-0.26	0.26	0.55	0.13	-0.41
Book Value Growth (%)	--	--	--	--	--	--

Valuation Ratios	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Price / Earnings	14.15	11.78	7.29	7.96	13.70	13.39
Price / Book Value	1.24	1.34	1.18	1.11	1.15	1.02
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	-4.42	-1.10	-0.11	-4.52	-17.00	-18.34
Close Price ($)	10.07	10.10	8.41	7.31	8.12	7.05
High Price ($)	10.53	10.49	8.71	8.74	8.92	10.80
Low Price ($)	7.32	7.02	5.50	6.50	6.67	5.04
Market Cap ($ Cr)	--	--	--	--	--	--

Solvency Ratios	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Debt to Equity	0.09	0.11	0.61	0.12	0.12	0.12
Short term debt to equity ratio	--	0.01	0.51	0.02	0.02	0.03
Current Ratio	0.64	0.21	0.22	0.22	0.34	11,682.42
Quick Ratio	--	--	0.19	0.21	0.54	20,992.64
Interest Coverage	--	1.46	2.49	6.90	6.40	5.42

Operating Efficiency Ratios	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16	Dec-15
Debtors to sales (%)	10.87	12.38	12.02	16.64	18.35	22.96
Asset Turnover	0.05	0.05	0.05	0.04	0.03	0.04
Receivable days	42.30	44.72	45.46	57.36	74.07	79.73
Inventory Days	--	707.13	543.25	-8,286.98	-23,496.41	-19,536.54
Payable days	--	--	34,011.91	86,016.48	51,835.62	3.32
Cash Conversion Cycle	--	--	-33,423.19	-94,246.10	-75,257.96	-19,460.14