UBFO - NASDAQ
United Security Bancshares
$10.51
+0.0000%United Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, traveler's check, money order, and foreign draft services, as well as interactive teller machines and ATM services. As of January 26, 2022, it operated 12 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Mendota, Oakhurst, San Joaquin, and Taft. The company was founded in 1987 and is headquartered in Fresno, California.
At a Glance
Live SnapshotUnited Security Bancshares Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
United Security Bancshares Cash Flow Statement
UBFO • NASDAQ
| United Security Bancshares Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
12.3M | 14.8M | 19.8M | 15.7M | 10.1M | 9M | 15.2M | 14M | 8.6M | 7.4M | 6.8M | 6.2M | 7.3M | 6.1M | -10.8M | -4.4M | -4.5M | 4.1M | 11.3M | 13.4M | |
0.0 | 2.1M | 2.1M | 1.9M | 1.1M | 811K | 1.4M | 1.4M | 1.3M | 1.4M | 1.5M | 1.5M | 1.3M | 1.8M | 1.8M | 2.3M | 2.4M | 2.8M | 2.7M | 1.7M | |
-615K | -472K | -297K | -2.4M | -521K | 324K | 533K | -760K | 1M | 2.4M | 1.7M | 4.8M | -1.5M | 1.2M | -2.4M | -2.6M | -838K | -1M | 248K | -382K | |
0.0 | 692K | 478K | 366K | 238K | 425K | 349K | 744K | 97K | 30K | 26K | 28K | 29K | 18K | 18K | 41K | 53K | 110K | 187K | 0.0 | |
8.4M | 2.2M | -474K | 4.2M | 3.3M | 2.8M | -1.7M | -1.4M | 486K | 383K | -158K | -1.9M | -1.9M | -11K | 17.6M | 17.3M | 18.2M | 9.4M | 3.4M | -1.5M | |
(4.6M) | (6.5M) | (9.7M) | (6.8M) | (0.0) | (0.0) | (0.0) | (7.1M) | (6.9M) | (1.7M) | (3.1M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
2M | 280K | -232K | 3.9M | 2.3M | 455K | 408K | -2.7M | -4M | -2.1M | -589K | -1.7M | 6.7M | 557K | -390K | -3M | -1.9M | -2.7M | 1.2M | 3.1M | |
22.1M | 19.6M | 21.4M | 23.7M | 16.6M | 13.8M | 16.2M | 11.3M | 7.6M | 9.5M | 9.3M | 9M | 11.9M | 9.7M | 5.8M | 9.6M | 13.4M | 12.6M | 19M | 16.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1M | -787K | -2.1M | -1.3M | -1.1M | -956K | -1M | -1.1M | -1.1M | -725K | -768K | -1.1M | -853K | -914K | -791K | -413K | -363K | -1.2M | (73K) | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (6.4M) | (0.0) | |
(0.0) | -1.1M | -400K | -82.1M | -125.9M | -29.2M | -28.2M | -35.3M | -1.4M | -35.1M | -266K | -10.4M | -21M | -11.8M | -8.5M | -11.7M | -1.5M | -46.7M | -34.2M | (0.0) | |
0.0 | 24.2M | 29.7M | 25.8M | 27M | 23.1M | 17.5M | 9.7M | 11.3M | 7.3M | 16.9M | 6.5M | 8.5M | 21.8M | 20.9M | 31.9M | 23.5M | 36.9M | 36.8M | 12.8M | |
25.9M | -9.2M | 59M | -115.8M | -219.2M | -58.3M | -11.2M | 14.5M | -29.5M | -48.1M | -57.7M | -59M | 16.1M | 9.5M | 23.6M | 52.3M | 36.8M | 770K | -38.4M | -82.7M | |
(25.9M) | (13M) | (87.6M) | -174.2M | -319.4M | -65.5M | -22.8M | -12.2M | -20.9M | -77M | -41.7M | -63.6M | (2.5M) | (18.6M) | (35M) | (71.7M) | (58.3M) | -9.4M | -30.5M | -69.8M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
0.0 | 0.0 | 106K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 295K | 0.0 | 0.0 | -4K | -1.2M | -10.1M | -2.1M | |
-6M | -62M | 62M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1.8M | 0.0 | 0.0 | 0.0 | -32M | -7.9M | -48.5M | 0.0 | 9.1M | 0.0 | |
-8.4M | -8.3M | -7.9M | -7.5M | -7.5M | -7.5M | -7.5M | -4.7M | -2.9M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -11K | -4.6M | -5.9M | -4.9M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -4K | -1.2M | -10.1M | -2.4M | |
31.2M | 53.1M | -161M | -22.6M | 235.5M | 134.3M | 12.7M | 118M | 11.1M | 54.8M | 56.4M | 23M | -20.8M | -11.1M | 17M | -4.2M | -13.4M | -3.3M | 680K | 40.7M | |
16.8M | -17.2M | -106.8M | -30.1M | 228M | 126.8M | 5.3M | 113.2M | 8.2M | 54.8M | 54.6M | 23M | -20.8M | -10.8M | -15M | -12.1M | -61.9M | -9.1M | -6.3M | 33.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
371K | 15.4M | 2.2M | -180.6M | -74.9M | 75.1M | -1.3M | 112.4M | -5.1M | -12.7M | 22.2M | -31.6M | -6.4M | 17.4M | 25.8M | 69.2M | 9.8M | -5.9M | -17.8M | -20M | |
2.6M | 40.8M | 38.6M | 219.2M | 294.1M | 219M | 220.3M | 107.9M | 113M | 125.8M | 103.6M | 135.2M | 141.6M | 124.2M | 98.4M | 29.2M | 19.4M | 25.3M | 43.1M | 63M | |
3M | 56.2M | 40.8M | 38.6M | 219.2M | 294.1M | 219M | 220.3M | 107.9M | 113M | 125.8M | 103.6M | 135.2M | 141.6M | 124.2M | 98.4M | 29.2M | 19.4M | 25.3M | 43.1M | |
19.8M | 18.6M | 20.6M | 21.6M | 15.3M | 12.7M | 15.2M | 10.3M | 6.4M | 8.4M | 8.5M | 8.2M | 10.8M | 8.9M | 4.9M | 8.8M | 13M | 12.2M | 17.8M | 16.2M |
SEC Filings
UBFO - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | April 01, 2026 | April 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 31, 2026 | March 30, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 20, 2026 | March 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 17, 2026 | March 16, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 22, 2026 | January 22, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 18, 2025 | December 17, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 17, 2025 | December 16, 2025 | 2025 | |
8-K 8-K 2025 N/A | December 17, 2025 | December 16, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 |
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