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Side-by-side financial comparison of Cosmos Health Inc. (COSM) and UNITED SECURITY BANCSHARES (UBFO). Click either name above to swap in a different company.

Cosmos Health Inc. is the larger business by last-quarter revenue ($19.7M vs $13.5M, roughly 1.5× UNITED SECURITY BANCSHARES). UNITED SECURITY BANCSHARES runs the higher net margin — 25.2% vs -51.5%, a 76.7% gap on every dollar of revenue. On growth, Cosmos Health Inc. posted the faster year-over-year revenue change (38.5% vs 13.6%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $-4.6M). Over the past eight quarters, Cosmos Health Inc.'s revenue compounded faster (16.2% CAGR vs 3.0%).

AgniKul Cosmos Private Limited is a private Indian aerospace manufacturer and commercial launch service provider based in National Centre for Combustion Research and Development (NCCRD) of IIT Madras, Chennai. The start up aims to develop and launch its own small-lift launch vehicle such as the Agnibaan, capable of placing 100 kg (220 lb) payload into a 700 km (430 mi) orbit.

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

COSM vs UBFO — Head-to-Head

Bigger by revenue
COSM
COSM
1.5× larger
COSM
$19.7M
$13.5M
UBFO
Growing faster (revenue YoY)
COSM
COSM
+24.9% gap
COSM
38.5%
13.6%
UBFO
Higher net margin
UBFO
UBFO
76.7% more per $
UBFO
25.2%
-51.5%
COSM
More free cash flow
UBFO
UBFO
$24.4M more FCF
UBFO
$19.8M
$-4.6M
COSM
Faster 2-yr revenue CAGR
COSM
COSM
Annualised
COSM
16.2%
3.0%
UBFO

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
COSM
COSM
UBFO
UBFO
Revenue
$19.7M
$13.5M
Net Profit
$-10.1M
$3.4M
Gross Margin
10.6%
Operating Margin
-57.9%
31.5%
Net Margin
-51.5%
25.2%
Revenue YoY
38.5%
13.6%
Net Profit YoY
-203.0%
36.8%
EPS (diluted)
$-0.33
$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
COSM
COSM
UBFO
UBFO
Q4 25
$19.7M
$13.5M
Q3 25
$17.1M
$14.0M
Q2 25
$14.7M
$12.6M
Q1 25
$13.7M
$13.7M
Q4 24
$14.2M
$11.9M
Q3 24
$12.4M
$13.8M
Q2 24
$13.2M
$13.0M
Q1 24
$14.6M
$12.8M
Net Profit
COSM
COSM
UBFO
UBFO
Q4 25
$-10.1M
$3.4M
Q3 25
$-5.4M
$4.0M
Q2 25
$-2.8M
$2.2M
Q1 25
$-818.1K
$2.7M
Q4 24
$-3.3M
$2.5M
Q3 24
$-8.4M
$3.8M
Q2 24
$-2.6M
$4.3M
Q1 24
$-1.9M
$4.2M
Gross Margin
COSM
COSM
UBFO
UBFO
Q4 25
10.6%
Q3 25
15.2%
Q2 25
7.9%
Q1 25
14.9%
Q4 24
7.1%
Q3 24
9.7%
Q2 24
5.8%
Q1 24
9.1%
Operating Margin
COSM
COSM
UBFO
UBFO
Q4 25
-57.9%
31.5%
Q3 25
-10.6%
40.3%
Q2 25
-17.9%
24.0%
Q1 25
-6.1%
27.5%
Q4 24
-63.0%
27.5%
Q3 24
-18.0%
37.1%
Q2 24
-18.9%
46.4%
Q1 24
-12.6%
45.9%
Net Margin
COSM
COSM
UBFO
UBFO
Q4 25
-51.5%
25.2%
Q3 25
-31.3%
28.7%
Q2 25
-19.2%
17.2%
Q1 25
-6.0%
19.6%
Q4 24
-23.5%
20.9%
Q3 24
-67.5%
27.7%
Q2 24
-19.6%
33.0%
Q1 24
-12.8%
32.6%
EPS (diluted)
COSM
COSM
UBFO
UBFO
Q4 25
$-0.33
$0.18
Q3 25
$-0.17
$0.23
Q2 25
$-0.10
$0.13
Q1 25
$-0.03
$0.16
Q4 24
$-0.46
$0.14
Q3 24
$-0.45
$0.22
Q2 24
$-0.15
$0.25
Q1 24
$-0.11
$0.24

Balance Sheet & Financial Strength

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

Metric
COSM
COSM
UBFO
UBFO
Cash + ST InvestmentsLiquidity on hand
$761.8K
$264.2M
Total DebtLower is stronger
$3.8M
Stockholders' EquityBook value
$18.4M
$139.7M
Total Assets
$65.5M
$1.2B
Debt / EquityLower = less leverage
0.20×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
COSM
COSM
UBFO
UBFO
Q4 25
$761.8K
$264.2M
Q3 25
$922.6K
$211.1M
Q2 25
$30.3K
$199.5M
Q1 25
$25.3K
$198.4M
Q4 24
$336.3K
$216.9M
Q3 24
$22.8K
$216.8M
Q2 24
$21.5K
$166.3M
Q1 24
$21.3K
$168.6M
Total Debt
COSM
COSM
UBFO
UBFO
Q4 25
$3.8M
Q3 25
$5.4M
Q2 25
$5.2M
Q1 25
$4.9M
Q4 24
$4.1M
Q3 24
$4.3M
Q2 24
$3.9M
Q1 24
$4.1M
Stockholders' Equity
COSM
COSM
UBFO
UBFO
Q4 25
$18.4M
$139.7M
Q3 25
$23.1M
$137.4M
Q2 25
$26.2M
$134.3M
Q1 25
$26.0M
$132.9M
Q4 24
$24.5M
$130.4M
Q3 24
$35.0M
$132.9M
Q2 24
$32.1M
$127.3M
Q1 24
$34.5M
$124.2M
Total Assets
COSM
COSM
UBFO
UBFO
Q4 25
$65.5M
$1.2B
Q3 25
$69.5M
$1.2B
Q2 25
$61.8M
$1.2B
Q1 25
$57.2M
$1.2B
Q4 24
$54.3M
$1.2B
Q3 24
$64.5M
$1.3B
Q2 24
$60.8M
$1.2B
Q1 24
$62.3M
$1.2B
Debt / Equity
COSM
COSM
UBFO
UBFO
Q4 25
0.20×
Q3 25
0.23×
Q2 25
0.20×
Q1 25
0.19×
Q4 24
0.17×
Q3 24
0.12×
Q2 24
0.12×
Q1 24
0.12×

Cash Flow & Capital Efficiency

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

Metric
COSM
COSM
UBFO
UBFO
Operating Cash FlowLast quarter
$-4.6M
$22.1M
Free Cash FlowOCF − Capex
$-4.6M
$19.8M
FCF MarginFCF / Revenue
-23.4%
146.0%
Capex IntensityCapex / Revenue
0.0%
16.8%
Cash ConversionOCF / Net Profit
6.46×
TTM Free Cash FlowTrailing 4 quarters
$-8.5M
$36.9M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
COSM
COSM
UBFO
UBFO
Q4 25
$-4.6M
$22.1M
Q3 25
$-2.5M
$7.0M
Q2 25
$-1.2M
$8.7M
Q1 25
$-186.3K
$3.0M
Q4 24
$-3.8M
$19.6M
Q3 24
$739.8K
$5.4M
Q2 24
$-1.2M
$2.3M
Q1 24
$-3.4M
$7.4M
Free Cash Flow
COSM
COSM
UBFO
UBFO
Q4 25
$-4.6M
$19.8M
Q3 25
$-2.5M
$6.1M
Q2 25
$-1.2M
$8.1M
Q1 25
$-198.8K
$2.9M
Q4 24
$-3.9M
$18.6M
Q3 24
$511.0K
$5.3M
Q2 24
$-1.2M
$2.0M
Q1 24
$-3.5M
$7.0M
FCF Margin
COSM
COSM
UBFO
UBFO
Q4 25
-23.4%
146.0%
Q3 25
-14.4%
43.7%
Q2 25
-8.4%
64.3%
Q1 25
-1.5%
21.2%
Q4 24
-27.5%
156.0%
Q3 24
4.1%
38.1%
Q2 24
-9.4%
15.5%
Q1 24
-24.0%
54.8%
Capex Intensity
COSM
COSM
UBFO
UBFO
Q4 25
0.0%
16.8%
Q3 25
0.1%
6.0%
Q2 25
0.2%
4.6%
Q1 25
0.1%
0.9%
Q4 24
0.5%
8.7%
Q3 24
1.8%
0.7%
Q2 24
0.3%
2.2%
Q1 24
0.6%
3.6%
Cash Conversion
COSM
COSM
UBFO
UBFO
Q4 25
6.46×
Q3 25
1.73×
Q2 25
4.01×
Q1 25
1.13×
Q4 24
7.87×
Q3 24
1.40×
Q2 24
0.54×
Q1 24
1.79×

Financial Flow Comparison

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

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