United Security Bancshares (UBFO) — Financial Flexibility Index
United Security Bancshares (UBFO) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $7.80 Million (operating CF $6.97 Million minus capex $836.00K) represents 0% of total liabilities ($1.10 Billion). Check United Security Bancshares (UBFO) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
United Security Bancshares Financial Flexibility Index (2000–2024)
Historical Financial Flexibility Index trend for United Security Bancshares across 25 annual periods. For the full cash flow conversion analysis, see United Security Bancshares (UBFO) cash flow conversion.
Annual Financial Flexibility Index for United Security Bancshares (2000–2024)
Year-by-year free cash flow to debt coverage for United Security Bancshares. Explore UBFO operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $20.67 Million | $19.64 Million | $1.08 Billion | ▼ -6.1% |
| 2023 | 0.02x | $22.16 Million | $21.38 Million | $1.09 Billion | ▼ -6.5% |
| 2022 | 0.02x | $25.84 Million | $23.70 Million | $1.19 Billion | ▲ +48.1% |
| 2021 | 0.01x | $17.80 Million | $16.55 Million | $1.21 Billion | ▼ -4.1% |
| 2020 | 0.02x | $14.94 Million | $13.80 Million | $974.85 Million | ▼ -15.5% |
| 2019 | 0.02x | $15.26 Million | $14.30 Million | $840.93 Million | ▲ +20.8% |
| 2018 | 0.02x | $12.37 Million | $11.34 Million | $823.82 Million | ▲ +21.8% |
| 2017 | 0.01x | $8.68 Million | $7.55 Million | $704.48 Million | ▼ -19.1% |
| 2016 | 0.02x | $10.53 Million | $9.46 Million | $691.32 Million | ▼ -3.0% |
| 2015 | 0.02x | $9.99 Million | $9.26 Million | $636.01 Million | ▼ -6.7% |
| 2014 | 0.02x | $9.77 Million | $9.00 Million | $580.34 Million | ▼ -27.8% |
| 2013 | 0.02x | $13.05 Million | $11.90 Million | $559.39 Million | ▲ +28.0% |
| 2012 | 0.02x | $10.56 Million | $9.71 Million | $579.44 Million | ▲ +60.8% |
| 2011 | 0.01x | $6.68 Million | $5.77 Million | $589.16 Million | ▼ -34.0% |
| 2010 | 0.02x | $10.39 Million | $9.60 Million | $604.94 Million | ▼ -23.1% |
| 2009 | 0.02x | $13.78 Million | $13.37 Million | $616.75 Million | ▲ +17.6% |
| 2008 | 0.02x | $12.95 Million | $12.59 Million | $681.47 Million | ▼ -35.1% |
| 2007 | 0.03x | $20.17 Million | $18.97 Million | $689.28 Million | ▼ -18.7% |
| 2006 | 0.04x | $22.04 Million | $16.16 Million | $612.27 Million | ▲ +30.8% |
| 2005 | 0.03x | $15.68 Million | $14.00 Million | $569.85 Million | ▲ +37.3% |
| 2004 | 0.02x | $11.19 Million | $9.60 Million | $558.46 Million | ▼ -28.1% |
| 2003 | 0.03x | $12.86 Million | $12.12 Million | $461.55 Million | ▲ +14.2% |
| 2002 | 0.02x | $11.68 Million | $11.25 Million | $478.75 Million | ▲ +13.7% |
| 2001 | 0.02x | $8.58 Million | $8.06 Million | $399.87 Million | ▼ -10.8% |
| 2000 | 0.02x | $7.77 Million | $7.46 Million | $323.08 Million | — |