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 (UBFO) cash conversion ratio to assess how effectively this company generates cash.
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 cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 how much is United Security Bancshares worth.
| 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 | — |