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Side-by-side financial comparison of Bluerock Homes Trust, Inc. (BHM) and UNITED SECURITY BANCSHARES (UBFO). Click either name above to swap in a different company.
Bluerock Homes Trust, Inc. is the larger business by last-quarter revenue ($18.9M vs $13.5M, roughly 1.4× UNITED SECURITY BANCSHARES). UNITED SECURITY BANCSHARES runs the higher net margin — 25.2% vs -50.1%, a 75.3% gap on every dollar of revenue. On growth, Bluerock Homes Trust, Inc. posted the faster year-over-year revenue change (35.9% vs 13.6%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $10.4M). Over the past eight quarters, Bluerock Homes Trust, Inc.'s revenue compounded faster (30.1% CAGR vs 3.0%).
Bluerock Homes Trust, Inc. is a U.S.-headquartered real estate investment trust that acquires, owns and operates a portfolio of high-quality single-family rental residential properties. It caters to middle-market renters across high-growth suburban markets, prioritizing regions with strong demographic fundamentals and sustained rental housing demand.
United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.
BHM vs UBFO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $18.9M | $13.5M |
| Net Profit | $-9.5M | $3.4M |
| Gross Margin | — | — |
| Operating Margin | -48.8% | 31.5% |
| Net Margin | -50.1% | 25.2% |
| Revenue YoY | 35.9% | 13.6% |
| Net Profit YoY | -29.9% | 36.8% |
| EPS (diluted) | $-0.75 | $0.18 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $18.9M | $13.5M | ||
| Q3 25 | $16.6M | $14.0M | ||
| Q2 25 | $16.8M | $12.6M | ||
| Q1 25 | $16.4M | $13.7M | ||
| Q4 24 | $13.9M | $11.9M | ||
| Q3 24 | $12.7M | $13.8M | ||
| Q2 24 | $12.5M | $13.0M | ||
| Q1 24 | $11.2M | $12.8M |
| Q4 25 | $-9.5M | $3.4M | ||
| Q3 25 | $-10.0M | $4.0M | ||
| Q2 25 | $-5.8M | $2.2M | ||
| Q1 25 | $-7.3M | $2.7M | ||
| Q4 24 | $-7.3M | $2.5M | ||
| Q3 24 | $3.5M | $3.8M | ||
| Q2 24 | $-5.2M | $4.3M | ||
| Q1 24 | $-3.2M | $4.2M |
| Q4 25 | -48.8% | 31.5% | ||
| Q3 25 | -57.6% | 40.3% | ||
| Q2 25 | -30.9% | 24.0% | ||
| Q1 25 | -42.6% | 27.5% | ||
| Q4 24 | -52.8% | 27.5% | ||
| Q3 24 | 27.9% | 37.1% | ||
| Q2 24 | -41.3% | 46.4% | ||
| Q1 24 | -28.4% | 45.9% |
| Q4 25 | -50.1% | 25.2% | ||
| Q3 25 | -60.0% | 28.7% | ||
| Q2 25 | -34.7% | 17.2% | ||
| Q1 25 | -44.7% | 19.6% | ||
| Q4 24 | -52.8% | 20.9% | ||
| Q3 24 | 27.9% | 27.7% | ||
| Q2 24 | -41.3% | 33.0% | ||
| Q1 24 | -28.4% | 32.6% |
| Q4 25 | $-0.75 | $0.18 | ||
| Q3 25 | $-0.94 | $0.23 | ||
| Q2 25 | $-0.66 | $0.13 | ||
| Q1 25 | $-0.67 | $0.16 | ||
| Q4 24 | $-0.65 | $0.14 | ||
| Q3 24 | $0.24 | $0.22 | ||
| Q2 24 | $-0.42 | $0.25 | ||
| Q1 24 | $-0.27 | $0.24 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $169.6M | $264.2M |
| Total DebtLower is stronger | $428.4M | — |
| Stockholders' EquityBook value | $128.7M | $139.7M |
| Total Assets | $1.2B | $1.2B |
| Debt / EquityLower = less leverage | 3.33× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $169.6M | $264.2M | ||
| Q3 25 | $2.1M | $211.1M | ||
| Q2 25 | $4.2M | $199.5M | ||
| Q1 25 | $3.0M | $198.4M | ||
| Q4 24 | $115.2M | $216.9M | ||
| Q3 24 | $155.1M | $216.8M | ||
| Q2 24 | $116.0M | $166.3M | ||
| Q1 24 | $92.3M | $168.6M |
| Q4 25 | $428.4M | — | ||
| Q3 25 | $415.9M | — | ||
| Q2 25 | $338.6M | — | ||
| Q1 25 | $336.5M | — | ||
| Q4 24 | $373.8M | — | ||
| Q3 24 | $122.5M | — | ||
| Q2 24 | $119.7M | — | ||
| Q1 24 | $120.2M | — |
| Q4 25 | $128.7M | $139.7M | ||
| Q3 25 | $131.7M | $137.4M | ||
| Q2 25 | $135.3M | $134.3M | ||
| Q1 25 | $137.1M | $132.9M | ||
| Q4 24 | $139.1M | $130.4M | ||
| Q3 24 | $142.9M | $132.9M | ||
| Q2 24 | $142.5M | $127.3M | ||
| Q1 24 | $144.5M | $124.2M |
| Q4 25 | $1.2B | $1.2B | ||
| Q3 25 | $222.1M | $1.2B | ||
| Q2 25 | $220.3M | $1.2B | ||
| Q1 25 | $186.2M | $1.2B | ||
| Q4 24 | $967.0M | $1.2B | ||
| Q3 24 | $800.8M | $1.3B | ||
| Q2 24 | $756.2M | $1.2B | ||
| Q1 24 | $727.4M | $1.2B |
| Q4 25 | 3.33× | — | ||
| Q3 25 | 3.16× | — | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 2.45× | — | ||
| Q4 24 | 2.69× | — | ||
| Q3 24 | 0.86× | — | ||
| Q2 24 | 0.84× | — | ||
| Q1 24 | 0.83× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $27.8M | $22.1M |
| Free Cash FlowOCF − Capex | $10.4M | $19.8M |
| FCF MarginFCF / Revenue | 55.0% | 146.0% |
| Capex IntensityCapex / Revenue | 91.8% | 16.8% |
| Cash ConversionOCF / Net Profit | — | 6.46× |
| TTM Free Cash FlowTrailing 4 quarters | $25.0M | $36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $27.8M | $22.1M | ||
| Q3 25 | $13.4M | $7.0M | ||
| Q2 25 | $13.9M | $8.7M | ||
| Q1 25 | $951.0K | $3.0M | ||
| Q4 24 | $9.1M | $19.6M | ||
| Q3 24 | $1.7M | $5.4M | ||
| Q2 24 | $1.3M | $2.3M | ||
| Q1 24 | $1.1M | $7.4M |
| Q4 25 | $10.4M | $19.8M | ||
| Q3 25 | $8.7M | $6.1M | ||
| Q2 25 | $8.8M | $8.1M | ||
| Q1 25 | $-2.9M | $2.9M | ||
| Q4 24 | $-253.0K | $18.6M | ||
| Q3 24 | $-601.0K | $5.3M | ||
| Q2 24 | $-654.0K | $2.0M | ||
| Q1 24 | $-630.0K | $7.0M |
| Q4 25 | 55.0% | 146.0% | ||
| Q3 25 | 52.4% | 43.7% | ||
| Q2 25 | 52.2% | 64.3% | ||
| Q1 25 | -17.6% | 21.2% | ||
| Q4 24 | -1.8% | 156.0% | ||
| Q3 24 | -4.7% | 38.1% | ||
| Q2 24 | -5.2% | 15.5% | ||
| Q1 24 | -5.6% | 54.8% |
| Q4 25 | 91.8% | 16.8% | ||
| Q3 25 | 28.5% | 6.0% | ||
| Q2 25 | 30.3% | 4.6% | ||
| Q1 25 | 23.4% | 0.9% | ||
| Q4 24 | 66.9% | 8.7% | ||
| Q3 24 | 18.0% | 0.7% | ||
| Q2 24 | 15.3% | 2.2% | ||
| Q1 24 | 15.5% | 3.6% |
| Q4 25 | — | 6.46× | ||
| Q3 25 | — | 1.73× | ||
| Q2 25 | — | 4.01× | ||
| Q1 25 | — | 1.13× | ||
| Q4 24 | — | 7.87× | ||
| Q3 24 | 0.47× | 1.40× | ||
| Q2 24 | — | 0.54× | ||
| Q1 24 | — | 1.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BHM
| Residential Communities Segment | $11.4M | 61% |
| Scattered Single Family Homes Segment | $7.5M | 39% |
UBFO
Segment breakdown not available.
