vs
Side-by-side financial comparison of Owlet, Inc. (OWLT) and UNITED SECURITY BANCSHARES (UBFO). Click either name above to swap in a different company.
Owlet, Inc. is the larger business by last-quarter revenue ($26.6M vs $13.5M, roughly 2.0× UNITED SECURITY BANCSHARES). UNITED SECURITY BANCSHARES runs the higher net margin — 25.2% vs -34.6%, a 59.8% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 13.6%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 3.0%).
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.
OWLT vs UBFO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.6M | $13.5M |
| Net Profit | $-9.2M | $3.4M |
| Gross Margin | 47.6% | — |
| Operating Margin | -18.4% | 31.5% |
| Net Margin | -34.6% | 25.2% |
| Revenue YoY | 29.6% | 13.6% |
| Net Profit YoY | -1.5% | 36.8% |
| EPS (diluted) | — | $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 | $26.6M | $13.5M | ||
| Q3 25 | $32.0M | $14.0M | ||
| Q2 25 | $26.1M | $12.6M | ||
| Q1 25 | $21.1M | $13.7M | ||
| Q4 24 | $20.5M | $11.9M | ||
| Q3 24 | $22.1M | $13.8M | ||
| Q2 24 | $20.7M | $13.0M | ||
| Q1 24 | $14.8M | $12.8M |
| Q4 25 | $-9.2M | $3.4M | ||
| Q3 25 | $4.1M | $4.0M | ||
| Q2 25 | $-37.6M | $2.2M | ||
| Q1 25 | $3.0M | $2.7M | ||
| Q4 24 | $-9.1M | $2.5M | ||
| Q3 24 | $-5.6M | $3.8M | ||
| Q2 24 | $-1.1M | $4.3M | ||
| Q1 24 | $3.3M | $4.2M |
| Q4 25 | 47.6% | — | ||
| Q3 25 | 50.6% | — | ||
| Q2 25 | 51.3% | — | ||
| Q1 25 | 53.7% | — | ||
| Q4 24 | 53.5% | — | ||
| Q3 24 | 52.2% | — | ||
| Q2 24 | 49.5% | — | ||
| Q1 24 | 44.4% | — |
| Q4 25 | -18.4% | 31.5% | ||
| Q3 25 | 3.8% | 40.3% | ||
| Q2 25 | -7.4% | 24.0% | ||
| Q1 25 | -12.7% | 27.5% | ||
| Q4 24 | -36.2% | 27.5% | ||
| Q3 24 | -21.8% | 37.1% | ||
| Q2 24 | -10.8% | 46.4% | ||
| Q1 24 | -39.0% | 45.9% |
| Q4 25 | -34.6% | 25.2% | ||
| Q3 25 | 12.9% | 28.7% | ||
| Q2 25 | -144.4% | 17.2% | ||
| Q1 25 | 14.3% | 19.6% | ||
| Q4 24 | -44.2% | 20.9% | ||
| Q3 24 | -25.4% | 27.7% | ||
| Q2 24 | -5.5% | 33.0% | ||
| Q1 24 | 22.2% | 32.6% |
| Q4 25 | — | $0.18 | ||
| Q3 25 | $-0.06 | $0.23 | ||
| Q2 25 | $-2.37 | $0.13 | ||
| Q1 25 | $0.11 | $0.16 | ||
| Q4 24 | $-0.15 | $0.14 | ||
| Q3 24 | $-0.61 | $0.22 | ||
| Q2 24 | $-0.30 | $0.25 | ||
| Q1 24 | $-0.51 | $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 | $35.5M | $264.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $19.0M | $139.7M |
| Total Assets | $85.6M | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $35.5M | $264.2M | ||
| Q3 25 | $23.8M | $211.1M | ||
| Q2 25 | $21.8M | $199.5M | ||
| Q1 25 | $16.3M | $198.4M | ||
| Q4 24 | $20.2M | $216.9M | ||
| Q3 24 | $21.6M | $216.8M | ||
| Q2 24 | $15.4M | $166.3M | ||
| Q1 24 | $18.4M | $168.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $2.1M | — | ||
| Q1 24 | $4.0M | — |
| Q4 25 | $19.0M | $139.7M | ||
| Q3 25 | $-54.1M | $137.4M | ||
| Q2 25 | $-59.2M | $134.3M | ||
| Q1 25 | $-25.8M | $132.9M | ||
| Q4 24 | $-29.8M | $130.4M | ||
| Q3 24 | $-21.5M | $132.9M | ||
| Q2 24 | $-33.4M | $127.3M | ||
| Q1 24 | $-32.9M | $124.2M |
| Q4 25 | $85.6M | $1.2B | ||
| Q3 25 | $74.9M | $1.2B | ||
| Q2 25 | $63.5M | $1.2B | ||
| Q1 25 | $51.4M | $1.2B | ||
| Q4 24 | $49.5M | $1.2B | ||
| Q3 24 | $56.1M | $1.3B | ||
| Q2 24 | $45.9M | $1.2B | ||
| Q1 24 | $43.8M | $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 | $-452.0K | $22.1M |
| Free Cash FlowOCF − Capex | $-651.0K | $19.8M |
| FCF MarginFCF / Revenue | -2.5% | 146.0% |
| Capex IntensityCapex / Revenue | 0.7% | 16.8% |
| Cash ConversionOCF / Net Profit | — | 6.46× |
| TTM Free Cash FlowTrailing 4 quarters | $-11.1M | $36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-452.0K | $22.1M | ||
| Q3 25 | $-2.2M | $7.0M | ||
| Q2 25 | $-2.2M | $8.7M | ||
| Q1 25 | $-5.9M | $3.0M | ||
| Q4 24 | $3.0M | $19.6M | ||
| Q3 24 | $-7.5M | $5.4M | ||
| Q2 24 | $-3.4M | $2.3M | ||
| Q1 24 | $-3.4M | $7.4M |
| Q4 25 | $-651.0K | $19.8M | ||
| Q3 25 | $-2.2M | $6.1M | ||
| Q2 25 | $-2.3M | $8.1M | ||
| Q1 25 | $-5.9M | $2.9M | ||
| Q4 24 | $3.0M | $18.6M | ||
| Q3 24 | $-7.5M | $5.3M | ||
| Q2 24 | $-3.4M | $2.0M | ||
| Q1 24 | — | $7.0M |
| Q4 25 | -2.5% | 146.0% | ||
| Q3 25 | -6.8% | 43.7% | ||
| Q2 25 | -8.8% | 64.3% | ||
| Q1 25 | -28.1% | 21.2% | ||
| Q4 24 | 14.5% | 156.0% | ||
| Q3 24 | -33.9% | 38.1% | ||
| Q2 24 | -16.3% | 15.5% | ||
| Q1 24 | — | 54.8% |
| Q4 25 | 0.7% | 16.8% | ||
| Q3 25 | 0.0% | 6.0% | ||
| Q2 25 | 0.2% | 4.6% | ||
| Q1 25 | 0.0% | 0.9% | ||
| Q4 24 | 0.2% | 8.7% | ||
| Q3 24 | 0.0% | 0.7% | ||
| Q2 24 | 0.0% | 2.2% | ||
| Q1 24 | 0.0% | 3.6% |
| Q4 25 | — | 6.46× | ||
| Q3 25 | -0.52× | 1.73× | ||
| Q2 25 | — | 4.01× | ||
| Q1 25 | -1.96× | 1.13× | ||
| Q4 24 | — | 7.87× | ||
| Q3 24 | — | 1.40× | ||
| Q2 24 | — | 0.54× | ||
| Q1 24 | -1.03× | 1.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
UBFO
Segment breakdown not available.
