United Security Bancshares (UBFO) — Cash Flow Quality Index
United Security Bancshares (UBFO) has a Cash Flow Quality Index of 1.73x as of September 2025. Operating cash flow of $6.97 Million exceeds net income of $4.02 Million, indicating high earnings quality where cash backs reported profits. Explore United Security Bancshares cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
United Security Bancshares Cash Flow Quality Index (2000–2024)
Historical Cash Flow Quality Index for United Security Bancshares across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UBFO cash generation efficiency.
Annual Cash Flow Quality Index for United Security Bancshares (2000–2024)
Year-by-year earnings quality comparison for United Security Bancshares.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.33x | $19.64 Million | $14.78 Million | ▲ +23.0% |
| 2023 | 1.08x | $21.38 Million | $19.80 Million | ▼ -28.5% |
| 2022 | 1.51x | $23.70 Million | $15.69 Million | ▼ -7.8% |
| 2021 | 1.64x | $16.55 Million | $10.10 Million | ▲ +6.4% |
| 2020 | 1.54x | $13.80 Million | $8.96 Million | ▲ +63.4% |
| 2019 | 0.94x | $14.30 Million | $15.17 Million | ▲ +16.5% |
| 2018 | 0.81x | $11.34 Million | $14.02 Million | ▼ -7.4% |
| 2017 | 0.87x | $7.55 Million | $8.64 Million | ▼ -31.7% |
| 2016 | 1.28x | $9.46 Million | $7.38 Million | ▼ -5.9% |
| 2015 | 1.36x | $9.26 Million | $6.81 Million | ▼ -6.1% |
| 2014 | 1.45x | $9.00 Million | $6.22 Million | ▼ -11.6% |
| 2013 | 1.64x | $11.90 Million | $7.27 Million | ▲ +2.3% |
| 2012 | 1.60x | $9.71 Million | $6.07 Million | ▼ -48.3% |
| 2008 | 3.09x | $12.59 Million | $4.07 Million | ▲ +83.5% |
| 2007 | 1.69x | $18.97 Million | $11.26 Million | ▲ +39.3% |
| 2006 | 1.21x | $16.16 Million | $13.36 Million | ▼ -4.9% |
| 2005 | 1.27x | $14.00 Million | $11.01 Million | ▲ +11.3% |
| 2004 | 1.14x | $9.60 Million | $8.40 Million | ▼ -27.4% |
| 2003 | 1.57x | $12.12 Million | $7.71 Million | ▼ -4.5% |
| 2002 | 1.65x | $11.25 Million | $6.83 Million | ▲ +26.4% |
| 2001 | 1.30x | $8.06 Million | $6.19 Million | ▲ +9.3% |
| 2000 | 1.19x | $7.46 Million | $6.26 Million | — |