United Security Bancshares (UBFO) — Cash Flow-to-Debt Ratio
United Security Bancshares (UBFO) has a Cash Flow-to-Debt Ratio of 0.01x as of September 2025, meaning its operating cash flow of $6.97 Million could theoretically repay 0% of its total liabilities ($1.10 Billion) in one year. See financial flexibility index of United Security Bancshares to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
United Security Bancshares Cash Flow-to-Debt Ratio (2000–2024)
Historical debt coverage capacity for United Security Bancshares across 25 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of United Security Bancshares.
Annual Cash Flow-to-Debt Ratio for United Security Bancshares (2000–2024)
Year-by-year debt coverage analysis for United Security Bancshares. Check UBFO cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.02x | $19.64 Million | $1.08 Billion | ▼ -7.5% |
| 2023 | 0.02x | $21.38 Million | $1.09 Billion | ▼ -1.7% |
| 2022 | 0.02x | $23.70 Million | $1.19 Billion | ▲ +46.1% |
| 2021 | 0.01x | $16.55 Million | $1.21 Billion | ▼ -3.4% |
| 2020 | 0.01x | $13.80 Million | $974.85 Million | ▼ -16.8% |
| 2019 | 0.02x | $14.30 Million | $840.93 Million | ▲ +23.5% |
| 2018 | 0.01x | $11.34 Million | $823.82 Million | ▲ +28.4% |
| 2017 | 0.01x | $7.55 Million | $704.48 Million | ▼ -21.6% |
| 2016 | 0.01x | $9.46 Million | $691.32 Million | ▼ -6.1% |
| 2015 | 0.01x | $9.26 Million | $636.01 Million | ▼ -6.1% |
| 2014 | 0.02x | $9.00 Million | $580.34 Million | ▼ -27.1% |
| 2013 | 0.02x | $11.90 Million | $559.39 Million | ▲ +27.0% |
| 2012 | 0.02x | $9.71 Million | $579.44 Million | ▲ +71.2% |
| 2011 | 0.01x | $5.77 Million | $589.16 Million | ▼ -38.3% |
| 2010 | 0.02x | $9.60 Million | $604.94 Million | ▼ -26.7% |
| 2009 | 0.02x | $13.37 Million | $616.75 Million | ▲ +17.3% |
| 2008 | 0.02x | $12.59 Million | $681.47 Million | ▼ -32.9% |
| 2007 | 0.03x | $18.97 Million | $689.28 Million | ▲ +4.3% |
| 2006 | 0.03x | $16.16 Million | $612.27 Million | ▲ +7.4% |
| 2005 | 0.02x | $14.00 Million | $569.85 Million | ▲ +42.9% |
| 2004 | 0.02x | $9.60 Million | $558.46 Million | ▼ -34.5% |
| 2003 | 0.03x | $12.12 Million | $461.55 Million | ▲ +11.7% |
| 2002 | 0.02x | $11.25 Million | $478.75 Million | ▲ +16.5% |
| 2001 | 0.02x | $8.06 Million | $399.87 Million | ▼ -12.6% |
| 2000 | 0.02x | $7.46 Million | $323.08 Million | — |