See more : Sierra Lake Acquisition Corp. (SIERW) Income Statement Analysis – Financial Results
Complete financial analysis of United Security Bancshares (UBFO) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of United Security Bancshares, a leading company in the Banks – Regional industry within the Financial Services sector.
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United Security Bancshares (UBFO)
About United Security Bancshares
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 53.43M | 47.81M | 38.95M | 36.73M | 42.51M | 38.45M | 36.24M | 33.02M | 30.85M | 28.64M | 25.07M | 29.20M | 31.85M | 33.84M | 34.65M | 38.55M | 46.25M | 42.21M | 35.52M | 29.18M | 25.94M | 23.34M | 20.93M | 19.93M | 3.81M | 4.00M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -71.00K | 0.00 | 0.00 | -102.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 53.43M | 47.81M | 38.95M | 36.73M | 42.51M | 38.45M | 36.32M | 33.02M | 30.85M | 28.74M | 25.07M | 29.20M | 31.85M | 33.84M | 34.65M | 38.55M | 46.25M | 42.21M | 35.52M | 29.18M | 25.94M | 23.34M | 20.93M | 19.93M | 3.81M | 4.00M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.20% | 100.00% | 100.00% | 100.36% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 13.60M | 12.29M | 13.41M | 12.15M | 12.23M | 12.54M | 11.62M | 11.83M | 11.28M | 10.96M | 10.78M | 10.49M | 11.82M | 8.95M | 10.47M | 10.61M | 10.83M | 9.92M | 8.05M | 6.66M | 5.09M | 4.90M | 4.53M | 3.95M | 0.00 | 0.00 |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 13.60M | 12.29M | 13.41M | 12.15M | 12.23M | 12.54M | 11.62M | 11.83M | 11.28M | 10.96M | 10.78M | 10.49M | 11.82M | 8.95M | 10.47M | 10.61M | 10.83M | 9.92M | 8.05M | 6.66M | 5.09M | 4.90M | 4.53M | 3.95M | 0.00 | 0.00 |
| Other Expenses | 0.00 | -8.23M | -39.04M | -36.47M | 1.17M | -424.00K | -882.00K | -518.00K | -73.00K | -102.00K | -776.00K | -774.00K | -53.23M | -45.86M | -44.49M | -28.55M | -18.69M | -16.56M | -16.51M | -16.04M | -11.40M | -7.02M | -2.67M | -2.64M | 9.04M | 8.82M |
| Operating Expenses | 25.95M | 4.06M | -25.63M | -24.31M | 13.39M | 12.12M | 10.74M | 11.31M | 11.21M | 10.86M | 10.01M | 9.72M | -41.42M | -36.91M | -34.01M | -17.94M | -7.86M | -6.64M | -8.46M | -9.38M | -6.31M | -2.13M | 1.86M | 1.32M | 9.04M | 8.82M |
| Cost & Expenses | 25.95M | 4.16M | -25.63M | -24.31M | 13.39M | 12.12M | 10.67M | 11.31M | 11.21M | 10.76M | 9.23M | 9.26M | -41.42M | -36.91M | -1.00K | -17.94M | -7.86M | -6.64M | -8.46M | -9.38M | -6.31M | -2.13M | 1.86M | 1.32M | 9.04M | 8.82M |
| Interest Income | 60.38M | 49.26M | 37.73M | 33.91M | 40.70M | 36.62M | 32.93M | 29.47M | 27.41M | 24.96M | 23.00M | 25.15M | 27.94M | 32.49M | 35.67M | 45.15M | 57.16M | 47.36M | 38.90M | 30.75M | 26.93M | 28.67M | 30.06M | 28.94M | 21.92M | 0.00 |
| Interest Expense | 11.06M | 3.20M | 2.08M | 2.29M | 3.89M | 2.70M | 1.73M | 1.41M | 1.28M | 1.35M | 1.61M | 2.06M | 2.96M | 4.59M | 7.33M | 14.94M | 20.57M | 14.18M | 9.66M | 6.43M | 7.26M | 10.70M | 13.41M | 11.54M | 7.93M | 8.61M |
| Depreciation & Amortization | 2.11M | 709.00K | 1.15M | 811.00K | 661.00K | 1.35M | 1.34M | 1.43M | 1.46M | 62.00K | 187.00K | 1.54M | 1.77M | 2.26M | 2.40M | 2.75M | 2.66M | 1.66M | 1.39M | 1.33M | 1.25M | 1.57M | 1.60M | 1.14M | 0.00 | 0.00 |
| EBITDA | 29.58M | 23.99M | 14.46M | 13.22M | 22.67M | 20.70M | 17.01M | 13.68M | 12.77M | 11.86M | 8.66M | 9.45M | 0.00 | 0.00 | 0.00 | 11.28M | 22.63M | 24.63M | 19.92M | 15.55M | 0.00 | 0.00 | 0.00 | 0.00 | 12.85M | 12.82M |
| EBITDA Ratio | 55.36% | 55.58% | 37.13% | 37.64% | 53.33% | 60.86% | 51.72% | 45.70% | 45.54% | 45.81% | 41.72% | 38.39% | -24.47% | -2.39% | 8.77% | 60.60% | 88.75% | 88.19% | 80.07% | 72.43% | 80.48% | 97.61% | 116.54% | 112.31% | 337.57% | 320.77% |
| Operating Income | 28.40M | 25.86M | 13.31M | 12.41M | 21.27M | 22.05M | 17.41M | 13.66M | 12.59M | 13.06M | 10.27M | 9.66M | -9.56M | -3.07M | 640.00K | 20.61M | 38.39M | 35.57M | 27.06M | 19.80M | 19.63M | 21.22M | 22.79M | 21.25M | 12.85M | 12.82M |
| Operating Income Ratio | 53.16% | 54.09% | 34.18% | 33.80% | 50.03% | 57.35% | 48.03% | 41.38% | 40.80% | 45.59% | 40.97% | 33.10% | -30.02% | -9.06% | 1.85% | 53.47% | 83.01% | 84.27% | 76.17% | 67.86% | 75.68% | 90.89% | 108.89% | 106.60% | 337.57% | 320.77% |
| Total Other Income/Expenses | -928.00K | -896.00K | -999.00K | 0.00 | -408.00K | -329.00K | -350.00K | -1.19M | -1.57M | -1.62M | -1.86M | -2.69M | -993.00K | -4.59M | -6.69M | -1.99M | -219.00K | 578.00K | -702.00K | -35.00K | -7.26M | -10.70M | -13.41M | -11.54M | 13.09M | 11.75M |
| Income Before Tax | 27.48M | 22.06M | 13.31M | 12.41M | 21.27M | 19.35M | 15.68M | 12.25M | 11.31M | 10.41M | 7.37M | 7.60M | -12.53M | -5.02M | -6.69M | 5.68M | 17.82M | 21.40M | 17.40M | 13.37M | 12.37M | 10.52M | 9.38M | 9.71M | 7.85M | 6.92M |
| Income Before Tax Ratio | 51.42% | 46.14% | 34.18% | 33.80% | 50.03% | 50.32% | 43.26% | 37.11% | 36.65% | 36.35% | 29.41% | 26.04% | -39.33% | -14.84% | -19.30% | 14.72% | 38.53% | 50.68% | 48.98% | 45.82% | 47.69% | 45.07% | 44.81% | 48.69% | 206.33% | 173.13% |
| Income Tax Expense | 7.68M | 6.37M | 3.22M | 3.45M | 6.10M | 5.33M | 7.04M | 4.87M | 4.50M | 4.19M | 105.00K | 1.53M | -1.72M | -2.13M | -2.15M | 1.61M | 6.56M | 8.04M | 6.39M | 4.97M | 4.66M | 3.15M | 3.19M | 3.45M | 2.93M | 2.70M |
| Net Income | 19.80M | 15.69M | 10.10M | 8.96M | 15.17M | 14.02M | 8.64M | 7.39M | 6.81M | 6.22M | 7.27M | 6.07M | -10.81M | -2.89M | -4.54M | 4.07M | 11.26M | 13.36M | 11.01M | 8.41M | 7.71M | 7.37M | 6.19M | 6.26M | 4.92M | 4.22M |
| Net Income Ratio | 37.05% | 32.81% | 25.93% | 24.40% | 35.69% | 36.45% | 23.84% | 22.37% | 22.07% | 21.71% | 28.99% | 20.79% | -33.94% | -8.54% | -13.09% | 10.56% | 24.34% | 31.65% | 30.99% | 28.80% | 29.71% | 31.58% | 29.59% | 31.39% | 129.35% | 105.48% |
| EPS | 1.16 | 0.92 | 0.59 | 0.53 | 0.90 | 0.83 | 0.51 | 0.44 | 0.40 | 0.37 | 0.44 | 0.36 | -0.64 | -0.17 | -0.27 | 0.24 | 0.66 | 0.83 | 0.68 | 0.53 | 0.50 | 0.45 | 0.40 | 0.41 | 0.34 | 0.29 |
| EPS Diluted | 1.16 | 0.92 | 0.59 | 0.53 | 0.89 | 0.83 | 0.51 | 0.44 | 0.40 | 0.37 | 0.44 | 0.36 | -0.64 | -0.17 | -0.27 | 0.24 | 0.66 | 0.83 | 0.68 | 0.52 | 0.49 | 0.44 | 0.39 | 0.40 | 0.31 | 0.27 |
| Weighted Avg Shares Out | 17.11M | 17.04M | 17.01M | 16.98M | 16.95M | 16.90M | 16.89M | 16.88M | 16.88M | 16.85M | 17.01M | 16.84M | 16.84M | 16.68M | 16.84M | 16.90M | 17.06M | 16.07M | 16.11M | 15.95M | 15.47M | 15.30M | 15.42M | 15.23M | 14.74M | 14.60M |
| Weighted Avg Shares Out (Dil) | 17.13M | 17.06M | 17.03M | 17.00M | 16.98M | 16.94M | 16.90M | 16.89M | 16.88M | 16.86M | 17.01M | 17.00M | 16.84M | 16.68M | 16.84M | 16.90M | 17.11M | 16.24M | 16.22M | 16.06M | 15.62M | 15.55M | 15.76M | 15.83M | 15.62M | 15.56M |
United Security Bancshares Reports Third Quarter 2024 Earnings
FRESNO, Calif.--(BUSINESS WIRE)--The Board of Directors of United Security Bancshares (NASDAQ: UBFO), the parent company of United Security Bank, reported operating results today for the quarter and for the nine months ended September 30, 2024. To access the full release,...
United Security Bancshares Reports First Quarter 2024 Earnings
FRESNO, Calif.--(BUSINESS WIRE)--The Board of Directors of United Security Bancshares (NASDAQ: UBFO), the parent company of United Security Bank, reported today operating results for the quarter ended March 31, 2024. For the full release, please visit UBFO Investor Relations https://investors.unitedsecuritybank.com/Q12024-PR....
United Security Bancshares Declares Quarterly Cash Dividend
FRESNO, Calif.--(BUSINESS WIRE)--United Security Bancshares Declares Quarterly Cash Dividend.
United Security Bancshares Declares Quarterly Cash Dividend
FRESNO, Calif.--(BUSINESS WIRE)--On December 18, 2023, the Board of Directors of United Security Bancshares (the “Company”) (NASDAQ: UBFO), the parent company of United Security Bank (the “Bank”), declared a regular quarterly cash dividend of $0.12 per share on the Company's...
United Security Bancshares Declares Quarterly Cash Dividend
FRESNO, Calif.--(BUSINESS WIRE)--On September 26, 2023, the Board of Directors of United Security Bancshares (the “Company”) (NASDAQ: UBFO), the parent company of United Security Bank (the “Bank”), declared a regular quarterly cash dividend of $0.12 per share on the Company's...
United Security Bancshares Appoints New Member to Board of Directors
FRESNO, Calif.--(BUSINESS WIRE)--The Board of Directors of United Security Bancshares (the “Company”) (NASDAQ: UBFO), the parent company of United Security Bank (the “Bank”), announced today the appointment of Thomas G. Walker to the Company's and Bank's Boards of Directors effective...
United Security Bancshares Reports Second Quarter 2023 Earnings
FRESNO, Calif.--(BUSINESS WIRE)--The Board of Directors of United Security Bancshares (NASDAQ: UBFO), the parent company of United Security Bank, reported today operating results for the quarter and six months ended June 30, 2023. For the full release, please visit UBFO...
United Security Bancshares: A 6.6% Yield From California Community Bank
United Security Bancshares has maintained its quarterly dividend payouts despite the regional banking crisis and challenging operating conditions. The bank's net income surged in the first quarter, driven by a rise in interest and fees on loans, but total deposits...
United Security Bancshares Reports First Quarter 2023 Net Income of $6.1 Million
FRESNO, Calif.--(BUSINESS WIRE)--The Board of Directors of United Security Bancshares (NASDAQ: UBFO), the parent company of United Security Bank, reported today operating results for the quarter ended March 31, 2023. For the full release, please visit UBFO Investor Relations https://investors.unitedsecuritybank.com/news-market-information/press-releases/default.aspx....
United Security Bancshares Declares Quarterly Cash Dividend
FRESNO, Calif.--(BUSINESS WIRE)--On March 28, 2023, the Board of Directors of United Security Bancshares (the “Company”) (NASDAQ: UBFO), the parent company of United Security Bank (the “Bank”), declared a regular quarterly cash dividend of $0.11 per share on the Company’s...
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