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Side-by-side financial comparison of Legacy Housing Corp (LEGH) and UNITED SECURITY BANCSHARES (UBFO). Click either name above to swap in a different company.
Legacy Housing Corp is the larger business by last-quarter revenue ($25.5M vs $13.5M, roughly 1.9× UNITED SECURITY BANCSHARES). Legacy Housing Corp runs the higher net margin — 32.2% vs 25.2%, a 7.0% gap on every dollar of revenue. On growth, UNITED SECURITY BANCSHARES posted the faster year-over-year revenue change (13.6% vs -30.6%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $15.7M). Over the past eight quarters, UNITED SECURITY BANCSHARES's revenue compounded faster (3.0% CAGR vs -9.1%).
Legacy Housing Corp is a prominent U.S.-based manufacturer of affordable manufactured homes, tiny homes, and accessory dwelling units. It mainly caters to low- and middle-income consumers across North America, providing customizable residential solutions, supporting construction materials, and after-sales services for individual and community development clients.
United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.
LEGH vs UBFO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $25.5M | $13.5M |
| Net Profit | $8.2M | $3.4M |
| Gross Margin | 26.4% | — |
| Operating Margin | 40.4% | 31.5% |
| Net Margin | 32.2% | 25.2% |
| Revenue YoY | -30.6% | 13.6% |
| Net Profit YoY | -43.5% | 36.8% |
| EPS (diluted) | $0.38 | $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 | $25.5M | $13.5M | ||
| Q3 25 | $28.8M | $14.0M | ||
| Q2 25 | $38.4M | $12.6M | ||
| Q1 25 | $24.3M | $13.7M | ||
| Q4 24 | $36.7M | $11.9M | ||
| Q3 24 | $30.2M | $13.8M | ||
| Q2 24 | $31.7M | $13.0M | ||
| Q1 24 | $30.8M | $12.8M |
| Q4 25 | $8.2M | $3.4M | ||
| Q3 25 | $8.6M | $4.0M | ||
| Q2 25 | $14.7M | $2.2M | ||
| Q1 25 | $10.3M | $2.7M | ||
| Q4 24 | $14.5M | $2.5M | ||
| Q3 24 | $15.8M | $3.8M | ||
| Q2 24 | $16.2M | $4.3M | ||
| Q1 24 | $15.1M | $4.2M |
| Q4 25 | 26.4% | — | ||
| Q3 25 | 20.2% | — | ||
| Q2 25 | 32.4% | — | ||
| Q1 25 | 29.2% | — | ||
| Q4 24 | 27.3% | — | ||
| Q3 24 | 29.2% | — | ||
| Q2 24 | 31.9% | — | ||
| Q1 24 | 33.6% | — |
| Q4 25 | 40.4% | 31.5% | ||
| Q3 25 | 33.7% | 40.3% | ||
| Q2 25 | 43.8% | 24.0% | ||
| Q1 25 | 47.7% | 27.5% | ||
| Q4 24 | 42.3% | 27.5% | ||
| Q3 24 | 50.8% | 37.1% | ||
| Q2 24 | 50.6% | 46.4% | ||
| Q1 24 | 54.3% | 45.9% |
| Q4 25 | 32.2% | 25.2% | ||
| Q3 25 | 30.0% | 28.7% | ||
| Q2 25 | 38.3% | 17.2% | ||
| Q1 25 | 42.3% | 19.6% | ||
| Q4 24 | 39.5% | 20.9% | ||
| Q3 24 | 52.4% | 27.7% | ||
| Q2 24 | 51.1% | 33.0% | ||
| Q1 24 | 49.1% | 32.6% |
| Q4 25 | $0.38 | $0.18 | ||
| Q3 25 | $0.35 | $0.23 | ||
| Q2 25 | $0.60 | $0.13 | ||
| Q1 25 | $0.41 | $0.16 | ||
| Q4 24 | $0.59 | $0.14 | ||
| Q3 24 | $0.64 | $0.22 | ||
| Q2 24 | $0.65 | $0.25 | ||
| Q1 24 | $0.60 | $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 | $8.5M | $264.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $528.6M | $139.7M |
| Total Assets | $580.3M | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.5M | $264.2M | ||
| Q3 25 | $13.6M | $211.1M | ||
| Q2 25 | $2.6M | $199.5M | ||
| Q1 25 | $3.4M | $198.4M | ||
| Q4 24 | $1.1M | $216.9M | ||
| Q3 24 | $570.0K | $216.8M | ||
| Q2 24 | $60.0K | $166.3M | ||
| Q1 24 | $621.0K | $168.6M |
| Q4 25 | $528.6M | $139.7M | ||
| Q3 25 | $521.6M | $137.4M | ||
| Q2 25 | $512.8M | $134.3M | ||
| Q1 25 | $503.7M | $132.9M | ||
| Q4 24 | $494.0M | $130.4M | ||
| Q3 24 | $479.3M | $132.9M | ||
| Q2 24 | $463.2M | $127.3M | ||
| Q1 24 | $450.4M | $124.2M |
| Q4 25 | $580.3M | $1.2B | ||
| Q3 25 | $557.9M | $1.2B | ||
| Q2 25 | $552.0M | $1.2B | ||
| Q1 25 | $544.6M | $1.2B | ||
| Q4 24 | $534.2M | $1.2B | ||
| Q3 24 | $521.4M | $1.3B | ||
| Q2 24 | $514.9M | $1.2B | ||
| Q1 24 | $510.0M | $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 | | |
|---|---|---|
| Operating Cash FlowLast quarter | $19.0M | $22.1M |
| Free Cash FlowOCF − Capex | $15.7M | $19.8M |
| FCF MarginFCF / Revenue | 61.6% | 146.0% |
| Capex IntensityCapex / Revenue | 13.1% | 16.8% |
| Cash ConversionOCF / Net Profit | 2.32× | 6.46× |
| TTM Free Cash FlowTrailing 4 quarters | $28.2M | $36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $19.0M | $22.1M | ||
| Q3 25 | $7.2M | $7.0M | ||
| Q2 25 | $6.1M | $8.7M | ||
| Q1 25 | $4.9M | $3.0M | ||
| Q4 24 | $7.9M | $19.6M | ||
| Q3 24 | $13.8M | $5.4M | ||
| Q2 24 | $3.5M | $2.3M | ||
| Q1 24 | $10.8M | $7.4M |
| Q4 25 | $15.7M | $19.8M | ||
| Q3 25 | $5.1M | $6.1M | ||
| Q2 25 | $3.7M | $8.1M | ||
| Q1 25 | $3.6M | $2.9M | ||
| Q4 24 | $6.0M | $18.6M | ||
| Q3 24 | $9.1M | $5.3M | ||
| Q2 24 | $1.7M | $2.0M | ||
| Q1 24 | $9.9M | $7.0M |
| Q4 25 | 61.6% | 146.0% | ||
| Q3 25 | 17.8% | 43.7% | ||
| Q2 25 | 9.6% | 64.3% | ||
| Q1 25 | 15.0% | 21.2% | ||
| Q4 24 | 16.4% | 156.0% | ||
| Q3 24 | 30.2% | 38.1% | ||
| Q2 24 | 5.4% | 15.5% | ||
| Q1 24 | 32.2% | 54.8% |
| Q4 25 | 13.1% | 16.8% | ||
| Q3 25 | 7.1% | 6.0% | ||
| Q2 25 | 6.2% | 4.6% | ||
| Q1 25 | 5.2% | 0.9% | ||
| Q4 24 | 5.1% | 8.7% | ||
| Q3 24 | 15.6% | 0.7% | ||
| Q2 24 | 5.5% | 2.2% | ||
| Q1 24 | 2.8% | 3.6% |
| Q4 25 | 2.32× | 6.46× | ||
| Q3 25 | 0.83× | 1.73× | ||
| Q2 25 | 0.41× | 4.01× | ||
| Q1 25 | 0.48× | 1.13× | ||
| Q4 24 | 0.54× | 7.87× | ||
| Q3 24 | 0.88× | 1.40× | ||
| Q2 24 | 0.21× | 0.54× | ||
| Q1 24 | 0.71× | 1.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LEGH
| Commercial Sales | $8.6M | 34% |
| Retail Store Sales | $6.0M | 24% |
| Inventory Finance Sales | $5.0M | 20% |
| Direct Sales | $4.4M | 17% |
| Other | $1.5M | 6% |
UBFO
Segment breakdown not available.
