United Security Bancshares Ratios (2016-2025) | UBFO

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Ratios	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
EBT Margin (Quarter)	296.95%	546.53%	489.93%	562.80%	521.56%	622.29%	701.22%	1,075.11%	1,177.93%	810.56%	788.63%	985.36%	829.46%	842.20%	714.19%	423.48%	588.09%	416.53%	667.65%	573.89%
EBIT Margin (Quarter)	369.05%	620.66%	562.42%	641.77%	606.12%	697.55%	788.99%	1,256.65%	1,397.82%	1,147.20%	1,285.28%	1,457.73%	1,277.76%	1,322.70%	1,262.59%	854.71%	1,056.27%	849.17%	1,046.28%	937.82%
EBITDA Margin (Quarter)	369.05%	620.66%	562.42%	641.77%	606.12%	697.55%	788.99%	1,256.65%	1,397.82%	1,147.20%	1,285.28%	1,457.73%	1,277.76%	1,322.70%	1,262.59%	854.71%	1,056.27%	849.17%	1,046.28%	937.82%
Net Margin (Quarter)	215.09%	390.90%	350.47%	482.26%	373.55%	442.65%	501.00%	764.09%	837.33%	575.88%	561.66%	741.86%	588.67%	598.47%	533.38%	322.06%	415.67%	298.76%	478.75%	459.49%
FCF Margin (Quarter)	683.38%	130.78%	326.44%	1,069.67%	297.25%	651.93%	725.70%	1,149.21%	1,258.31%	1,057.11%	-468.66%	883.72%	990.51%	281.20%	732.55%	557.03%	454.08%	1,118.32%	723.85%	353.70%
Efficiency
Assets Average (Quarter)	1,139.80M	1,209.00M	1,261.92M	1,311.86M	1,340.37M	1,344.66M	1,354.38M	1,334.22M	1,280.19M	1,275.01M	1,280.96M	1,242.07M	1,211.38M	1,211.72M	1,233.55M	1,233.55M	1,201.75M	1,202.96M	1,224.88M	1,241.97M
Equity Average (Quarter)	117.57M	117.85M	118.75M	119.67M	116.89M	111.79M	108.54M	109.77M	112.69M	114.29M	115.35M	118.78M	123.36M	125.77M	130.10M	131.61M	131.62M	133.56M	135.82M	138.53M
Invested Capital (Quarter)	117.33M	118.37M	119.13M	120.21M	113.58M	110.00M	107.08M	112.46M	112.91M	115.68M	115.03M	122.54M	124.18M	127.35M	132.86M	130.36M	132.88M	134.25M	137.38M	139.68M
Asset Utilization Ratio (Quarter)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Leverage & Solvency
Interest Coverage Ratio (Quarter)	5.12	8.37	7.76	8.13	7.17	9.27	8.99	6.92	6.36	3.41	2.59	3.09	2.85	2.75	2.30	1.98	2.26	1.96	2.76	2.58
Debt to Equity (Quarter)	0.09	0.10	0.09	0.09	0.10	0.10	0.10	0.10	0.10	0.09	0.10	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.07	0.05
Debt Ratio (Quarter)	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Equity Ratio (Quarter)	0.10	0.10	0.09	0.09	0.08	0.08	0.08	0.09	0.09	0.09	0.09	0.10	0.10	0.11	0.11	0.11	0.11	0.11	0.11	0.11
Times Interest Earned (Quarter)	5.12	8.37	7.76	8.13	7.17	9.27	8.99	6.92	6.36	3.41	2.59	3.09	2.85	2.75	2.30	1.98	2.26	1.96	2.76	2.58
Dividends & Payouts
FCF Payout Ratio (Quarter)	0.42	2.07	0.77	0.25	0.96	0.37	0.29	0.23	0.20	0.25	-0.64	0.58	0.30	1.03	0.39	-0.96	0.72	0.26	0.34	0.80
Valuation
Enterprise Value (Quarter)	-311.70M	-164.70M	-263.20M	-222.96M	-408.46M	-323.02M	-129.32M	-41.40M	-48.51M	-263.92M	-38.51M	-43.98M	-46.40M	-42.16M	-216.75M	-60.49M	-41.27M	-199.51M	-211.11M	-264.21M
Return Ratios
Return on Sales (Quarter)	2.15%	3.91%	3.50%	4.82%	3.74%	4.43%	5.01%	7.64%	8.37%	5.76%	5.62%	7.42%	5.89%	5.98%	5.33%	3.22%	4.16%	2.99%	4.79%	4.59%
Return on Invested Capital (Quarter)	0.08%	0.08%	0.09%	0.10%	0.11%	0.12%	0.14%	0.16%	0.20%	0.22%	0.23%	0.23%	0.22%	0.22%	0.21%	0.19%	0.18%	0.16%	0.15%	0.15%
Return on Assets (Quarter)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Return on Equity (Quarter)	0.06%	0.07%	0.07%	0.08%	0.10%	0.11%	0.13%	0.14%	0.17%	0.18%	0.17%	0.17%	0.14%	0.14%	0.14%	0.11%	0.10%	0.08%	0.08%	0.09%

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United Security Bancshares Ratios (2016-2025) | UBFO

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