United Security Bancshares Cash Flow Quality Index
United Security Bancshares 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. See UBFO free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of United Security Bancshares (2000–2024)
Cash flow quality index of United Security Bancshares from 2000 to 2024. Historical Cash Flow Quality Index for United Security Bancshares across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore how well can United Security Bancshares service its debt to assess how comfortably operating cash covers total debt obligations.
United Security Bancshares Cash Flow Quality Index by Year (2000–2024)
United Security Bancshares cash flow quality index by year from 2000 to 2024. Year-by-year earnings quality comparison for United Security Bancshares. For the full cash flow conversion analysis, see UBFO cash flow conversion.
| 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 | — |