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Side-by-side financial comparison of UNITED SECURITY BANCSHARES (UBFO) and YORK WATER CO (YORW). Click either name above to swap in a different company.
YORK WATER CO is the larger business by last-quarter revenue ($19.4M vs $13.5M, roughly 1.4× UNITED SECURITY BANCSHARES). YORK WATER CO runs the higher net margin — 26.7% vs 25.2%, a 1.5% gap on every dollar of revenue. On growth, UNITED SECURITY BANCSHARES posted the faster year-over-year revenue change (13.6% vs 3.2%). Over the past eight quarters, YORK WATER CO's revenue compounded faster (5.1% CAGR vs 3.0%).
United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.
The York Water Company is an investor-owned, public utility company based in York, Pennsylvania and operating throughout Pennsylvania. The company was founded in 1816 by a group of local businessmen concerned about fire protection.
UBFO vs YORW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $13.5M | $19.4M |
| Net Profit | $3.4M | $5.2M |
| Gross Margin | — | — |
| Operating Margin | 31.5% | 33.2% |
| Net Margin | 25.2% | 26.7% |
| Revenue YoY | 13.6% | 3.2% |
| Net Profit YoY | 36.8% | 0.5% |
| EPS (diluted) | $0.18 | $0.36 |
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 | $13.5M | $19.4M | ||
| Q3 25 | $14.0M | $20.2M | ||
| Q2 25 | $12.6M | $19.1M | ||
| Q1 25 | $13.7M | $18.3M | ||
| Q4 24 | $11.9M | $18.8M | ||
| Q3 24 | $13.8M | $19.6M | ||
| Q2 24 | $13.0M | $18.6M | ||
| Q1 24 | $12.8M | $17.5M |
| Q4 25 | $3.4M | $5.2M | ||
| Q3 25 | $4.0M | $6.2M | ||
| Q2 25 | $2.2M | $5.1M | ||
| Q1 25 | $2.7M | $3.6M | ||
| Q4 24 | $2.5M | $5.1M | ||
| Q3 24 | $3.8M | $5.9M | ||
| Q2 24 | $4.3M | $5.0M | ||
| Q1 24 | $4.2M | $4.3M |
| Q4 25 | 31.5% | 33.2% | ||
| Q3 25 | 40.3% | 39.1% | ||
| Q2 25 | 24.0% | 37.1% | ||
| Q1 25 | 27.5% | 34.3% | ||
| Q4 24 | 27.5% | 35.8% | ||
| Q3 24 | 37.1% | 41.1% | ||
| Q2 24 | 46.4% | 37.9% | ||
| Q1 24 | 45.9% | 35.5% |
| Q4 25 | 25.2% | 26.7% | ||
| Q3 25 | 28.7% | 30.6% | ||
| Q2 25 | 17.2% | 26.5% | ||
| Q1 25 | 19.6% | 19.8% | ||
| Q4 24 | 20.9% | 27.4% | ||
| Q3 24 | 27.7% | 29.9% | ||
| Q2 24 | 33.0% | 26.8% | ||
| Q1 24 | 32.6% | 24.7% |
| Q4 25 | $0.18 | $0.36 | ||
| Q3 25 | $0.23 | $0.43 | ||
| Q2 25 | $0.13 | $0.35 | ||
| Q1 25 | $0.16 | $0.25 | ||
| Q4 24 | $0.14 | $0.36 | ||
| Q3 24 | $0.22 | $0.41 | ||
| Q2 24 | $0.25 | $0.35 | ||
| Q1 24 | $0.24 | $0.30 |
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 | $1.0K |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $139.7M | $240.3M |
| Total Assets | $1.2B | $680.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $264.2M | $1.0K | ||
| Q3 25 | $211.1M | $1.0K | ||
| Q2 25 | $199.5M | $1.0K | ||
| Q1 25 | $198.4M | $1.0K | ||
| Q4 24 | $216.9M | $1.0K | ||
| Q3 24 | $216.8M | $1.0K | ||
| Q2 24 | $166.3M | $1.0K | ||
| Q1 24 | $168.6M | $3.3M |
| Q4 25 | $139.7M | $240.3M | ||
| Q3 25 | $137.4M | $238.0M | ||
| Q2 25 | $134.3M | $234.6M | ||
| Q1 25 | $132.9M | $232.1M | ||
| Q4 24 | $130.4M | $231.2M | ||
| Q3 24 | $132.9M | $228.7M | ||
| Q2 24 | $127.3M | $225.4M | ||
| Q1 24 | $124.2M | $222.9M |
| Q4 25 | $1.2B | $680.9M | ||
| Q3 25 | $1.2B | $667.1M | ||
| Q2 25 | $1.2B | $653.7M | ||
| Q1 25 | $1.2B | $641.8M | ||
| Q4 24 | $1.2B | $633.5M | ||
| Q3 24 | $1.3B | $621.4M | ||
| Q2 24 | $1.2B | $610.4M | ||
| Q1 24 | $1.2B | $602.3M |
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 | $22.1M | $8.4M |
| Free Cash FlowOCF − Capex | $19.8M | — |
| FCF MarginFCF / Revenue | 146.0% | — |
| Capex IntensityCapex / Revenue | 16.8% | — |
| Cash ConversionOCF / Net Profit | 6.46× | 1.63× |
| TTM Free Cash FlowTrailing 4 quarters | $36.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $22.1M | $8.4M | ||
| Q3 25 | $7.0M | $7.8M | ||
| Q2 25 | $8.7M | $7.6M | ||
| Q1 25 | $3.0M | $6.0M | ||
| Q4 24 | $19.6M | $10.2M | ||
| Q3 24 | $5.4M | $7.5M | ||
| Q2 24 | $2.3M | $6.7M | ||
| Q1 24 | $7.4M | $6.1M |
| Q4 25 | $19.8M | — | ||
| Q3 25 | $6.1M | — | ||
| Q2 25 | $8.1M | — | ||
| Q1 25 | $2.9M | — | ||
| Q4 24 | $18.6M | — | ||
| Q3 24 | $5.3M | — | ||
| Q2 24 | $2.0M | — | ||
| Q1 24 | $7.0M | — |
| Q4 25 | 146.0% | — | ||
| Q3 25 | 43.7% | — | ||
| Q2 25 | 64.3% | — | ||
| Q1 25 | 21.2% | — | ||
| Q4 24 | 156.0% | — | ||
| Q3 24 | 38.1% | — | ||
| Q2 24 | 15.5% | — | ||
| Q1 24 | 54.8% | — |
| Q4 25 | 16.8% | — | ||
| Q3 25 | 6.0% | — | ||
| Q2 25 | 4.6% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 8.7% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 2.2% | — | ||
| Q1 24 | 3.6% | — |
| Q4 25 | 6.46× | 1.63× | ||
| Q3 25 | 1.73× | 1.26× | ||
| Q2 25 | 4.01× | 1.50× | ||
| Q1 25 | 1.13× | 1.65× | ||
| Q4 24 | 7.87× | 1.98× | ||
| Q3 24 | 1.40× | 1.29× | ||
| Q2 24 | 0.54× | 1.34× | ||
| Q1 24 | 1.79× | 1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
