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Side-by-side financial comparison of UNITED SECURITY BANCSHARES (UBFO) and Zeo Energy Corp. (ZEO). Click either name above to swap in a different company.
Zeo Energy Corp. is the larger business by last-quarter revenue ($18.6M vs $13.5M, roughly 1.4× UNITED SECURITY BANCSHARES). UNITED SECURITY BANCSHARES runs the higher net margin — 25.2% vs -10.8%, a 36.0% gap on every dollar of revenue. On growth, UNITED SECURITY BANCSHARES posted the faster year-over-year revenue change (13.6% vs -0.4%). UNITED SECURITY BANCSHARES produced more free cash flow last quarter ($19.8M vs $2.3M). Over the past eight quarters, UNITED SECURITY BANCSHARES's revenue compounded faster (3.0% CAGR vs -4.0%).
United Security Bancshares is a bank holding company headquartered in Fresno, California. It operates 11 branches.
UBFO vs ZEO — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $13.5M | $18.6M |
| Net Profit | $3.4M | $-2.0M |
| Gross Margin | — | — |
| Operating Margin | 31.5% | -11.8% |
| Net Margin | 25.2% | -10.8% |
| Revenue YoY | 13.6% | -0.4% |
| Net Profit YoY | 36.8% | -360.9% |
| 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 | $13.5M | $18.6M | ||
| Q3 25 | $14.0M | $23.9M | ||
| Q2 25 | $12.6M | $18.1M | ||
| Q1 25 | $13.7M | $8.8M | ||
| Q4 24 | $11.9M | $18.6M | ||
| Q3 24 | $13.8M | $19.7M | ||
| Q2 24 | $13.0M | $14.8M | ||
| Q1 24 | $12.8M | $20.1M |
| Q4 25 | $3.4M | $-2.0M | ||
| Q3 25 | $4.0M | $-3.2M | ||
| Q2 25 | $2.2M | $-2.4M | ||
| Q1 25 | $2.7M | $-6.4M | ||
| Q4 24 | $2.5M | $-435.3K | ||
| Q3 24 | $3.8M | $-424.3K | ||
| Q2 24 | $4.3M | $-277.8K | ||
| Q1 24 | $4.2M | $-1.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | 57.9% | ||
| Q2 25 | — | 59.8% | ||
| Q1 25 | — | 99.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 50.2% | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — |
| Q4 25 | 31.5% | -11.8% | ||
| Q3 25 | 40.3% | -8.3% | ||
| Q2 25 | 24.0% | -15.8% | ||
| Q1 25 | 27.5% | -153.8% | ||
| Q4 24 | 27.5% | -6.0% | ||
| Q3 24 | 37.1% | -15.2% | ||
| Q2 24 | 46.4% | -18.0% | ||
| Q1 24 | 45.9% | -20.1% |
| Q4 25 | 25.2% | -10.8% | ||
| Q3 25 | 28.7% | -13.5% | ||
| Q2 25 | 17.2% | -13.3% | ||
| Q1 25 | 19.6% | -72.4% | ||
| Q4 24 | 20.9% | -2.3% | ||
| Q3 24 | 27.7% | -2.2% | ||
| Q2 24 | 33.0% | -1.9% | ||
| Q1 24 | 32.6% | -7.6% |
| Q4 25 | $0.18 | — | ||
| Q3 25 | $0.23 | — | ||
| Q2 25 | $0.13 | — | ||
| Q1 25 | $0.16 | $-0.48 | ||
| Q4 24 | $0.14 | $1.11 | ||
| Q3 24 | $0.22 | $-0.08 | ||
| Q2 24 | $0.25 | $0.03 | ||
| Q1 24 | $0.24 | $-1.54 |
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 | $6.1M |
| Total DebtLower is stronger | — | $79.1K |
| Stockholders' EquityBook value | $139.7M | $5.3M |
| Total Assets | $1.2B | $56.9M |
| Debt / EquityLower = less leverage | — | 0.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $264.2M | $6.1M | ||
| Q3 25 | $211.1M | $3.9M | ||
| Q2 25 | $199.5M | $68.7K | ||
| Q1 25 | $198.4M | $2.9M | ||
| Q4 24 | $216.9M | $5.6M | ||
| Q3 24 | $216.8M | $4.3M | ||
| Q2 24 | $166.3M | $5.3M | ||
| Q1 24 | $168.6M | — |
| Q4 25 | — | $79.1K | ||
| Q3 25 | — | $84.6K | ||
| Q2 25 | — | $642.8K | ||
| Q1 25 | — | $715.4K | ||
| Q4 24 | — | $787.7K | ||
| Q3 24 | — | $858.6K | ||
| Q2 24 | — | $1.6M | ||
| Q1 24 | — | $748.8K |
| Q4 25 | $139.7M | $5.3M | ||
| Q3 25 | $137.4M | $-1.7M | ||
| Q2 25 | $134.3M | $-59.4M | ||
| Q1 25 | $132.9M | $-23.1M | ||
| Q4 24 | $130.4M | $-88.9M | ||
| Q3 24 | $132.9M | $-39.3M | ||
| Q2 24 | $127.3M | $-53.0M | ||
| Q1 24 | $124.2M | $-173.0M |
| Q4 25 | $1.2B | $56.9M | ||
| Q3 25 | $1.2B | $58.5M | ||
| Q2 25 | $1.2B | $46.2M | ||
| Q1 25 | $1.2B | $47.4M | ||
| Q4 24 | $1.2B | $61.0M | ||
| Q3 24 | $1.3B | $47.1M | ||
| Q2 24 | $1.2B | $49.1M | ||
| Q1 24 | $1.2B | $50.1M |
| Q4 25 | — | 0.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $2.4M |
| Free Cash FlowOCF − Capex | $19.8M | $2.3M |
| FCF MarginFCF / Revenue | 146.0% | 12.2% |
| Capex IntensityCapex / Revenue | 16.8% | 0.9% |
| Cash ConversionOCF / Net Profit | 6.46× | — |
| TTM Free Cash FlowTrailing 4 quarters | $36.9M | $-9.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $22.1M | $2.4M | ||
| Q3 25 | $7.0M | $-6.6M | ||
| Q2 25 | $8.7M | $-2.3M | ||
| Q1 25 | $3.0M | $-2.3M | ||
| Q4 24 | $19.6M | $3.5M | ||
| Q3 24 | $5.4M | $162.2K | ||
| Q2 24 | $2.3M | $-2.2M | ||
| Q1 24 | $7.4M | $-10.2M |
| Q4 25 | $19.8M | $2.3M | ||
| Q3 25 | $6.1M | $-6.8M | ||
| Q2 25 | $8.1M | $-2.7M | ||
| Q1 25 | $2.9M | $-2.6M | ||
| Q4 24 | $18.6M | $3.4M | ||
| Q3 24 | $5.3M | $116.5K | ||
| Q2 24 | $2.0M | $-2.3M | ||
| Q1 24 | $7.0M | $-10.4M |
| Q4 25 | 146.0% | 12.2% | ||
| Q3 25 | 43.7% | -28.6% | ||
| Q2 25 | 64.3% | -15.0% | ||
| Q1 25 | 21.2% | -30.0% | ||
| Q4 24 | 156.0% | 18.2% | ||
| Q3 24 | 38.1% | 0.6% | ||
| Q2 24 | 15.5% | -15.6% | ||
| Q1 24 | 54.8% | -51.5% |
| Q4 25 | 16.8% | 0.9% | ||
| Q3 25 | 6.0% | 1.0% | ||
| Q2 25 | 4.6% | 2.4% | ||
| Q1 25 | 0.9% | 4.2% | ||
| Q4 24 | 8.7% | 0.5% | ||
| Q3 24 | 0.7% | 0.2% | ||
| Q2 24 | 2.2% | 0.7% | ||
| Q1 24 | 3.6% | 1.1% |
| 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.
Revenue Breakdown by Segment
UBFO
Segment breakdown not available.
ZEO
| Nonrelated Party | $18.1M | 98% |
| Related Party | $432.1K | 2% |
