UBFO Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	48.77	46.85	49.32	46.06	35.65
Net Interest Income Growth	4.10%	-5.01%	7.07%	29.20%	10.45%
Non-Interest Income	5.09	4.71	5.57	1.84	3.39
Non-Interest Income Growth	7.91%	-15.37%	202.99%	-45.70%	-34.58%
Revenues Before Loan Losses	53.86	51.56	54.89	47.9	39.04
Provision for Credit Losses	5.57	2.96	1.46	1.8	2.11
Revenue	48.28	48.6	53.43	46.1	36.93
Revenue Growth (YoY)	-0.65%	-9.04%	15.90%	24.83%	6.48%
Compensation Expenses	15.56	13.88	13.16	11.83	11.71
Selling, General & Admin	8.61	11.2	10.05	9.55	8.89
Other Non-Interest Expenses	4.66	3.2	2.74	2.66	3.01
Total Non-Interest Expense	31.59	28.28	25.95	24.04	23.62
Pretax Income	16.7	20.32	27.48	22.06	13.31
Provision for Income Taxes	4.41	5.54	7.68	6.37	3.22
Net Income	12.29	14.78	19.8	15.69	10.1
Net Income to Common	12.29	14.78	19.8	15.69	10.1
Net Income Growth	-16.88%	-25.32%	26.20%	55.34%	12.69%
Shares Outstanding (Basic)	17	17	17	17	17
Shares Outstanding (Diluted)	17	17	17	17	17
Shares Change (YoY)	0.32%	0.38%	0.37%	0.18%	0.19%
EPS (Basic)	0.70	0.85	1.16	0.92	0.59
EPS (Diluted)	0.70	0.85	1.16	0.92	0.59
EPS Growth	-17.65%	-26.72%	26.09%	55.93%	11.32%
Free Cash Flow	5.57	18.6	20.59	21.56	15.3
Free Cash Flow Growth	-70.03%	-9.68%	-4.50%	40.94%	20.84%
Free Cash Flow Per Share	0.32	1.08	1.20	1.26	0.90
Dividends Per Share	0.480	0.480	0.460	0.440	0.440
Dividend Growth	-	4.35%	4.54%	-	-
Profit Margin	25.45%	32.39%	38.09%	35.41%	29.00%
FCF Margin	11.54%	40.75%	39.62%	48.67%	43.93%
EBITDA	0	1.47	1.46	1.32	1.4
EBITDA Margin	0.00%	3.22%	2.81%	2.98%	4.02%
Effective Tax Rate	26.40%	27.25%	27.95%	28.89%	24.16%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q