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Side-by-side financial comparison of REED'S, INC. (REED) 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 $7.5M, roughly 1.8× REED'S, INC.). UNITED SECURITY BANCSHARES runs the higher net margin — 25.2% vs -50.5%, a 75.8% gap on every dollar of revenue. On growth, UNITED SECURITY BANCSHARES posted the faster year-over-year revenue change (13.6% vs -23.1%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $-3.9M). Over the past eight quarters, UNITED SECURITY BANCSHARES's revenue compounded faster (3.0% CAGR vs -11.7%).
Waddell & Reed Financial, Inc. was an American asset management and financial planning company founded in 1937 in Kansas City, Missouri. It was a publicly traded company from 1998 to 2021, and briefly had its headquarters in Overland Park, Kansas, and was planning a move back to Downtown Kansas City before the company was sold. It operated asset management and distribution subsidiaries, including Ivy Investment Management Company and Waddell & Reed Investment Management Company.
United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.
REED vs UBFO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $7.5M | $13.5M |
| Net Profit | $-3.8M | $3.4M |
| Gross Margin | 20.4% | — |
| Operating Margin | -46.9% | 31.5% |
| Net Margin | -50.5% | 25.2% |
| Revenue YoY | -23.1% | 13.6% |
| Net Profit YoY | 8.2% | 36.8% |
| EPS (diluted) | $-1.26 | $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 | $7.5M | $13.5M | ||
| Q3 25 | $7.0M | $14.0M | ||
| Q2 25 | $9.5M | $12.6M | ||
| Q1 25 | $10.0M | $13.7M | ||
| Q4 24 | $9.7M | $11.9M | ||
| Q3 24 | $6.8M | $13.8M | ||
| Q2 24 | $11.9M | $13.0M | ||
| Q1 24 | $9.6M | $12.8M |
| Q4 25 | $-3.8M | $3.4M | ||
| Q3 25 | $-4.0M | $4.0M | ||
| Q2 25 | $-6.0M | $2.2M | ||
| Q1 25 | $-2.0M | $2.7M | ||
| Q4 24 | $-4.1M | $2.5M | ||
| Q3 24 | $-4.2M | $3.8M | ||
| Q2 24 | $-3.2M | $4.3M | ||
| Q1 24 | $-1.7M | $4.2M |
| Q4 25 | 20.4% | — | ||
| Q3 25 | 17.4% | — | ||
| Q2 25 | 8.5% | — | ||
| Q1 25 | 33.9% | — | ||
| Q4 24 | 30.0% | — | ||
| Q3 24 | 18.0% | — | ||
| Q2 24 | 32.3% | — | ||
| Q1 24 | 35.6% | — |
| Q4 25 | -46.9% | 31.5% | ||
| Q3 25 | -58.3% | 40.3% | ||
| Q2 25 | -60.8% | 24.0% | ||
| Q1 25 | -17.4% | 27.5% | ||
| Q4 24 | -37.6% | 27.5% | ||
| Q3 24 | -46.5% | 37.1% | ||
| Q2 24 | -5.6% | 46.4% | ||
| Q1 24 | -6.8% | 45.9% |
| Q4 25 | -50.5% | 25.2% | ||
| Q3 25 | -56.6% | 28.7% | ||
| Q2 25 | -63.5% | 17.2% | ||
| Q1 25 | -20.3% | 19.6% | ||
| Q4 24 | -42.3% | 20.9% | ||
| Q3 24 | -61.5% | 27.7% | ||
| Q2 24 | -27.1% | 33.0% | ||
| Q1 24 | -17.4% | 32.6% |
| Q4 25 | $-1.26 | $0.18 | ||
| Q3 25 | $-0.48 | $0.23 | ||
| Q2 25 | $-0.13 | $0.13 | ||
| Q1 25 | $-0.04 | $0.16 | ||
| Q4 24 | $-3.73 | $0.14 | ||
| Q3 24 | $-4.91 | $0.22 | ||
| Q2 24 | $-0.77 | $0.25 | ||
| Q1 24 | $-0.40 | $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 | — | $264.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $9.2M | $139.7M |
| Total Assets | $23.3M | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $264.2M | ||
| Q3 25 | — | $211.1M | ||
| Q2 25 | — | $199.5M | ||
| Q1 25 | — | $198.4M | ||
| Q4 24 | — | $216.9M | ||
| Q3 24 | — | $216.8M | ||
| Q2 24 | — | $166.3M | ||
| Q1 24 | — | $168.6M |
| Q4 25 | $9.2M | $139.7M | ||
| Q3 25 | $2.8M | $137.4M | ||
| Q2 25 | $1.7M | $134.3M | ||
| Q1 25 | $4.7M | $132.9M | ||
| Q4 24 | $6.6M | $130.4M | ||
| Q3 24 | $-22.0M | $132.9M | ||
| Q2 24 | $-23.8M | $127.3M | ||
| Q1 24 | $-20.7M | $124.2M |
| Q4 25 | $23.3M | $1.2B | ||
| Q3 25 | $19.9M | $1.2B | ||
| Q2 25 | $23.7M | $1.2B | ||
| Q1 25 | $24.5M | $1.2B | ||
| Q4 24 | $25.1M | $1.2B | ||
| Q3 24 | $15.0M | $1.3B | ||
| Q2 24 | $18.7M | $1.2B | ||
| Q1 24 | $19.3M | $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 | $-3.8M | $22.1M |
| Free Cash FlowOCF − Capex | $-3.9M | $19.8M |
| FCF MarginFCF / Revenue | -52.0% | 146.0% |
| Capex IntensityCapex / Revenue | 1.1% | 16.8% |
| Cash ConversionOCF / Net Profit | — | 6.46× |
| TTM Free Cash FlowTrailing 4 quarters | $-17.3M | $36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-3.8M | $22.1M | ||
| Q3 25 | $-2.8M | $7.0M | ||
| Q2 25 | $-5.0M | $8.7M | ||
| Q1 25 | $-5.4M | $3.0M | ||
| Q4 24 | $-3.9M | $19.6M | ||
| Q3 24 | $1.1M | $5.4M | ||
| Q2 24 | $-912.0K | $2.3M | ||
| Q1 24 | $-2.4M | $7.4M |
| Q4 25 | $-3.9M | $19.8M | ||
| Q3 25 | $-2.9M | $6.1M | ||
| Q2 25 | $-5.1M | $8.1M | ||
| Q1 25 | $-5.4M | $2.9M | ||
| Q4 24 | $-4.0M | $18.6M | ||
| Q3 24 | $1.0M | $5.3M | ||
| Q2 24 | $-924.0K | $2.0M | ||
| Q1 24 | $-2.4M | $7.0M |
| Q4 25 | -52.0% | 146.0% | ||
| Q3 25 | -41.5% | 43.7% | ||
| Q2 25 | -53.2% | 64.3% | ||
| Q1 25 | -54.2% | 21.2% | ||
| Q4 24 | -40.8% | 156.0% | ||
| Q3 24 | 15.3% | 38.1% | ||
| Q2 24 | -7.8% | 15.5% | ||
| Q1 24 | -25.1% | 54.8% |
| Q4 25 | 1.1% | 16.8% | ||
| Q3 25 | 1.4% | 6.0% | ||
| Q2 25 | 0.2% | 4.6% | ||
| Q1 25 | 0.7% | 0.9% | ||
| Q4 24 | 1.0% | 8.7% | ||
| Q3 24 | 0.3% | 0.7% | ||
| Q2 24 | 0.1% | 2.2% | ||
| Q1 24 | 0.2% | 3.6% |
| 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.
