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 long-term investment intensity to see how much of total assets are deployed in long-term investments.
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. Check United Security Bancshares (UBFO) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for United Security Bancshares (2000–2024)
Year-by-year earnings quality comparison for United Security Bancshares. For live market cap and the full company financial profile, see UBFO stock market capitalisation.
| 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 | — |