United Security Bancshares (UBFO) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	64.3M	65.9M	65.5M	65.9M	51.0M
Cost of Revenue	16.0M	17.6M	16.9M	12.5M	5.0M
Gross Profit	48.3M	48.3M	48.6M	53.4M	46.0M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	16.8M	19.4M	14.3M	13.6M	12.3M
General & Admin Expense	16.8M	19.4M	14.3M	13.6M	12.3M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	14.8M	12.2M	14.0M	12.4M	11.7M
Total Operating Expenses	31.6M	31.6M	28.3M	26.0M	23.9M
Cost and Expenses	47.6M	49.2M	45.1M	38.5M	28.9M
Operating Income (EBIT)	16.7M	16.7M	20.3M	27.5M	22.1M
Non-Operating
Interest Income	60.8M	60.8M	60.8M	60.4M	49.3M
Interest Expense	12.0M	12.0M	13.9M	11.1M	3.2M
Net Interest Income	48.8M	48.8M	46.9M	49.3M	46.1M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	16.7M	16.7M	20.3M	27.5M	22.1M
Income Tax Expense	4.4M	4.4M	5.5M	7.7M	6.4M
Bottom Line
Net Income	12.3M	12.3M	14.8M	19.8M	15.7M
Earnings from Cont. Ops	12.3M	12.3M	14.8M	19.8M	15.7M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	12.3M	12.3M	14.8M	19.8M	15.7M
Per Share
Basic EPS	$0.72	$0.71	$0.86	$1.16	$0.92
Diluted EPS	$0.71	$0.70	$0.86	$1.16	$0.92
Revenue Per Share	$3.72	$3.82	$3.81	$3.85	$2.99
Shares
Basic Shares Outstanding	17.3M	17.2M	17.2M	17.1M	17.0M
Diluted Shares Outstanding	17.3M	17.2M	17.2M	17.1M	17.1M
Profitability Metrics
EBITDA	18.1M	16.7M	22.4M	29.6M	24.0M
D&A	1.4M	—	2.1M	2.1M	1.9M
EBIT	16.7M	16.7M	20.3M	27.5M	22.1M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Dec 1, 2025