Financial insights of UBFO

MyFinsight

For the quarter ending 2025-09-30, UBFO made $27,885K in revenue. $4,023K in net income. Net profit margin of 14.43%.

Income Overview

Revenue
$27,885K
Net Income
$4,023K
Net Profit Margin
14.43%
EPS
$0.23
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	14,266	13,765	13,943	14,401
Interest on investment securities	1,040	1,140	1,206	1,298
Interest on deposits at other banks	320	99	134	56
Total interest income	15,626	15,004	15,283	15,755
Interest on deposits	3,045	2,868	2,780	3,064
Interest on other borrowed funds	162	273	207	879
Total interest expense	3,207	3,141	2,987	3,943
Net interest income	12,419	11,863	12,296	11,812
Provision for credit losses	948	1,858	2,300	1,558
Net interest income after provision for credit losses	11,471	10,005	9,996	10,254
Unrealized gain (loss) on fair value of marketable equity securities	-	-	-	224
Customer service fees	847	726	638	719
Increase in cash surrender value of bank-owned life insurance	135	132	132	132
Gain on proceeds from bank-owned life insurance	0	0	-	-
Gain on fair value and partial redemption of junior subordinated debentures (trups)	247	-317	270	661
(loss) gain on sale of assets	0	-54	-	-
Other	389	271	320	287
Total noninterest income	1,618	758	1,360	2,023
Salaries and employee benefits	3,619	3,845	3,926	3,526
Occupancy expense	997	930	966	990
Data processing	414	399	407	-
Technology	704	687	651	-
Professional fees	331	350	646	1,128
Correspondent bank service charges	-	-	-	12
Loan-related expenses	110	116	17	-
Data processing	-	-	-	467
Regulatory assessments	176	169	173	159
Director expenses	190	289	102	105
Other	893	954	716	718
Net cost of operation of oreo	-	-	-	-37
Total noninterest expense	7,434	7,739	7,604	7,142
Income before provision for taxes	5,655	3,024	3,752	5,135
Provision for income taxes	1,632	855	1,070	1,306
Net income	4,023	2,169	2,682	3,829

Basic (in shares)	17,483,334	17,235,873	17,229,743	17,194,024
Basic (in usd per share)	0.23	0.13	0.16	0.22
Diluted (in shares)	17,488,826	17,260,392	17,261,452	17,206,391
Diluted (in usd per share)	0.23	0.13	0.16	0.22

MyFinsight

Income Overview

Revenue
$27,885K
Net Income
$4,023K
Net Profit Margin
14.43%
EPS
$0.23
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$27,885K
Net Income
$4,023K
Net Profit Margin
14.43%
EPS
$0.23
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$27,885KNet Income$4,023KNet Profit Margin14.43%EPS$0.23Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$27,885KNet Income$4,023KNet Profit Margin14.43%EPS$0.23Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsInterest on depositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$27,885K
Net Income
$4,023K
Net Profit Margin
14.43%
EPS
$0.23
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others

Revenue
$27,885K
Net Income
$4,023K
Net Profit Margin
14.43%
EPS
$0.23
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Interest on deposits
Others