How does UBFO's latest earnings surprise compare to past quarters?

UBFO's latest earnings for Q4 2024, show a decrease in net income and EPS compared to the previous quarter and past quarters:

1. **Comparison to the Previous Quarter (Q3 2024)**:
- Net Income: The Q4 2024 net income was $2.5 million, while the Q3 2024 net income was not provided, but the Q3 2023 net income was $3.1 million.
- EPS: The Q4 2024 EPS was $0.86, whereas the Q3 2024 EPS was not provided, but the Q3 2023 EPS was $0.95.
2. **Comparison to Past Quarters (Q3 2023, Q4 2022, Q3 2021, Q4 2020)**:
- Net Income: The net income in Q4 2024 was $2.5 million, which is significantly less than the $5.4 million in Q4 2023, and the $19.8 million in Q4 2022. The Q3 2023 net income was $3.1 million.
- EPS: The EPS in Q4 2024 was $0.86, which is lower than the $1.16 in Q4 2023 and the $1.07 in Q3 2023. The Q4 2022 EPS was $1.16, and Q3 2022 EPS was $1.03.
3. **Overall Trend**:
- UBFO has shown a decreasing trend in net income and EPS over the past few quarters. Net income decreased from $19.8 million in Q4 2022 to $2.5 million in Q4 2024, and EPS decreased from $1.16 in Q4 2022 to $0.86 in Q4 2024.

In conclusion, UBFO's latest earnings show a significant decline in net income and EPS compared to the previous quarter and past quarters, indicating a challenging period for the company.