vs

Side-by-side financial comparison of CRYO CELL INTERNATIONAL INC (CCEL) and UNITED SECURITY BANCSHARES (UBFO). Click either name above to swap in a different company.

UNITED SECURITY BANCSHARES is the larger business by last-quarter revenue ($13.5M vs $7.8M, roughly 1.7× CRYO CELL INTERNATIONAL INC). UNITED SECURITY BANCSHARES runs the higher net margin — 25.2% vs -48.7%, a 73.9% gap on every dollar of revenue. On growth, UNITED SECURITY BANCSHARES posted the faster year-over-year revenue change (13.6% vs -2.3%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $1.2M). Over the past eight quarters, UNITED SECURITY BANCSHARES's revenue compounded faster (3.0% CAGR vs -0.1%).

Cryo-Cell International, Inc. is a cord blood bank. It was founded by Dan Richard in 1989. Cryo-Cell International is the first private cord blood bank to separate and store stem cells. Cryo-Cell is headquartered outside of Tampa, in Oldsmar, Florida. In January 1997, the Company's stock began trading on the NASDAQ Small Cap market under symbol CCEL.

United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.

CCEL vs UBFO — Head-to-Head

Bigger by revenue
UBFO
UBFO
1.7× larger
UBFO
$13.5M
$7.8M
CCEL
Growing faster (revenue YoY)
UBFO
UBFO
+15.9% gap
UBFO
13.6%
-2.3%
CCEL
Higher net margin
UBFO
UBFO
73.9% more per $
UBFO
25.2%
-48.7%
CCEL
More free cash flow
UBFO
UBFO
$18.6M more FCF
UBFO
$19.8M
$1.2M
CCEL
Faster 2-yr revenue CAGR
UBFO
UBFO
Annualised
UBFO
3.0%
-0.1%
CCEL

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
CCEL
CCEL
UBFO
UBFO
Revenue
$7.8M
$13.5M
Net Profit
$-3.8M
$3.4M
Gross Margin
77.9%
Operating Margin
-50.6%
31.5%
Net Margin
-48.7%
25.2%
Revenue YoY
-2.3%
13.6%
Net Profit YoY
-105.1%
36.8%
EPS (diluted)
$-0.46
$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.

Revenue
CCEL
CCEL
UBFO
UBFO
Q4 25
$7.8M
$13.5M
Q3 25
$7.8M
$14.0M
Q2 25
$7.9M
$12.6M
Q1 25
$8.0M
$13.7M
Q4 24
$8.0M
$11.9M
Q3 24
$8.1M
$13.8M
Q2 24
$8.0M
$13.0M
Q1 24
$7.9M
$12.8M
Net Profit
CCEL
CCEL
UBFO
UBFO
Q4 25
$-3.8M
$3.4M
Q3 25
$749.4K
$4.0M
Q2 25
$355.8K
$2.2M
Q1 25
$282.9K
$2.7M
Q4 24
$-1.9M
$2.5M
Q3 24
$1.1M
$3.8M
Q2 24
$655.8K
$4.3M
Q1 24
$556.2K
$4.2M
Gross Margin
CCEL
CCEL
UBFO
UBFO
Q4 25
77.9%
Q3 25
77.0%
Q2 25
76.6%
Q1 25
75.1%
Q4 24
78.4%
Q3 24
73.6%
Q2 24
74.8%
Q1 24
73.7%
Operating Margin
CCEL
CCEL
UBFO
UBFO
Q4 25
-50.6%
31.5%
Q3 25
24.3%
40.3%
Q2 25
18.8%
24.0%
Q1 25
13.3%
27.5%
Q4 24
-1.5%
27.5%
Q3 24
17.2%
37.1%
Q2 24
17.3%
46.4%
Q1 24
10.5%
45.9%
Net Margin
CCEL
CCEL
UBFO
UBFO
Q4 25
-48.7%
25.2%
Q3 25
9.6%
28.7%
Q2 25
4.5%
17.2%
Q1 25
3.5%
19.6%
Q4 24
-23.2%
20.9%
Q3 24
13.0%
27.7%
Q2 24
8.2%
33.0%
Q1 24
7.1%
32.6%
EPS (diluted)
CCEL
CCEL
UBFO
UBFO
Q4 25
$-0.46
$0.18
Q3 25
$0.09
$0.23
Q2 25
$0.04
$0.13
Q1 25
$0.03
$0.16
Q4 24
$-0.23
$0.14
Q3 24
$0.13
$0.22
Q2 24
$0.08
$0.25
Q1 24
$0.07
$0.24

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CCEL
CCEL
UBFO
UBFO
Cash + ST InvestmentsLiquidity on hand
$3.3M
$264.2M
Total DebtLower is stronger
$8.4M
Stockholders' EquityBook value
$-18.6M
$139.7M
Total Assets
$61.7M
$1.2B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CCEL
CCEL
UBFO
UBFO
Q4 25
$3.3M
$264.2M
Q3 25
$3.2M
$211.1M
Q2 25
$4.4M
$199.5M
Q1 25
$3.5M
$198.4M
Q4 24
$3.5M
$216.9M
Q3 24
$2.1M
$216.8M
Q2 24
$1.5M
$166.3M
Q1 24
$979.6K
$168.6M
Total Debt
CCEL
CCEL
UBFO
UBFO
Q4 25
$8.4M
Q3 25
$8.4M
Q2 25
$8.4M
Q1 25
$8.5M
Q4 24
$8.5M
Q3 24
$8.5M
Q2 24
$8.5M
Q1 24
$8.6M
Stockholders' Equity
CCEL
CCEL
UBFO
UBFO
Q4 25
$-18.6M
$139.7M
Q3 25
$-14.8M
$137.4M
Q2 25
$-15.6M
$134.3M
Q1 25
$-14.7M
$132.9M
Q4 24
$-13.2M
$130.4M
Q3 24
$-9.6M
$132.9M
Q2 24
$-10.7M
$127.3M
Q1 24
$-10.3M
$124.2M
Total Assets
CCEL
CCEL
UBFO
UBFO
Q4 25
$61.7M
$1.2B
Q3 25
$63.2M
$1.2B
Q2 25
$64.4M
$1.2B
Q1 25
$64.4M
$1.2B
Q4 24
$64.7M
$1.2B
Q3 24
$62.9M
$1.3B
Q2 24
$62.6M
$1.2B
Q1 24
$61.7M
$1.2B

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CCEL
CCEL
UBFO
UBFO
Operating Cash FlowLast quarter
$1.3M
$22.1M
Free Cash FlowOCF − Capex
$1.2M
$19.8M
FCF MarginFCF / Revenue
15.5%
146.0%
Capex IntensityCapex / Revenue
0.9%
16.8%
Cash ConversionOCF / Net Profit
6.46×
TTM Free Cash FlowTrailing 4 quarters
$5.2M
$36.9M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CCEL
CCEL
UBFO
UBFO
Q4 25
$1.3M
$22.1M
Q3 25
$2.5M
$7.0M
Q2 25
$707.0K
$8.7M
Q1 25
$954.1K
$3.0M
Q4 24
$2.2M
$19.6M
Q3 24
$2.4M
$5.4M
Q2 24
$1.8M
$2.3M
Q1 24
$-356.9K
$7.4M
Free Cash Flow
CCEL
CCEL
UBFO
UBFO
Q4 25
$1.2M
$19.8M
Q3 25
$2.5M
$6.1M
Q2 25
$644.6K
$8.1M
Q1 25
$892.0K
$2.9M
Q4 24
$2.1M
$18.6M
Q3 24
$2.3M
$5.3M
Q2 24
$21.5K
$2.0M
Q1 24
$-814.6K
$7.0M
FCF Margin
CCEL
CCEL
UBFO
UBFO
Q4 25
15.5%
146.0%
Q3 25
31.9%
43.7%
Q2 25
8.1%
64.3%
Q1 25
11.2%
21.2%
Q4 24
26.8%
156.0%
Q3 24
27.9%
38.1%
Q2 24
0.3%
15.5%
Q1 24
-10.4%
54.8%
Capex Intensity
CCEL
CCEL
UBFO
UBFO
Q4 25
0.9%
16.8%
Q3 25
0.5%
6.0%
Q2 25
0.8%
4.6%
Q1 25
0.8%
0.9%
Q4 24
0.1%
8.7%
Q3 24
2.3%
0.7%
Q2 24
21.8%
2.2%
Q1 24
5.8%
3.6%
Cash Conversion
CCEL
CCEL
UBFO
UBFO
Q4 25
6.46×
Q3 25
3.38×
1.73×
Q2 25
1.99×
4.01×
Q1 25
3.37×
1.13×
Q4 24
7.87×
Q3 24
2.32×
1.40×
Q2 24
2.70×
0.54×
Q1 24
-0.64×
1.79×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Related Comparisons