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Stocks to Compare Sections All Sections Selected Performance Chart Price & Volume MarketRank Analyst Ratings Sales & Book Value Profitability & Earnings Dividends Debt Ownership Miscellaneous Headlines About Compare NASDAQ:SMBCNASDAQ:UBFONYSE:VELNYSE:XYF On This Page Performance ChartPrice & VolumeMarketRank™Analyst RatingsSales & Book ValueProfitability & EarningsDividendsDebtOwnershipMiscellaneousHeadlinesAbout Comparison Ideas Stock Ideas Comparative Price Performance Over Time1 day7 days30 days90 days365 daysCompare Price & VolumeCompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's VolumeSMBCSouthern Missouri Bancorp$53.28-0.1%$51.77$39.90▼$68.69$637.18M132,599 shs15,209 shsUBFOUnited Security Bancshares$9.03-1.3%$8.68$7.07▼$10.49$157.81M0.3725,885 shs11,962 shsVELVelocity Financial$16.30-2.2%$18.09$16.12▼$20.98$594.82M1.2658,996 shs79,944 shsXYFX Financial$13.67+2.3%$12.85$3.68▼$17.70$668.82M0.0576,163 shs196,503 shsElon Musk's Next MoveExplore Elon Musk’s boldest ventures yet—from AI and autonomy to space colonization—and find out how investors can ride the next wave of innovation.Get This Free ReportCompare Price PerformanceCompany1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year PerformanceSMBCSouthern Missouri Bancorp0.00%+0.26%+12.64%-10.90%+28.32%UBFOUnited Security Bancshares0.00%-3.32%+18.66%-7.19%+22.86%VELVelocity Financial0.00%-5.07%-3.81%-12.60%-9.04%XYFX Financial0.00%+0.15%+13.93%+67.09%+248.72%Compare MarketRank™CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & ValuationSMBCSouthern Missouri Bancorp3.8413 of 5 stars2.33.04.20.02.72.52.5UBFOUnited Security Bancshares2.3708 of 5 stars0.03.02.50.03.31.71.3VELVelocity Financial2.863 of 5 stars3.34.00.00.01.01.71.9XYFX Financial2.2472 of 5 stars0.05.01.70.00.61.71.9Compare Analyst ForecastsCompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current PriceSMBCSouthern Missouri Bancorp 2.67Moderate Buy$66.3324.50% UpsideUBFOUnited Security Bancshares 0.00N/AN/AN/AVELVelocity Financial 2.50Moderate Buy$21.5031.90% UpsideXYFX Financial 0.00N/AN/AN/ACurrent Analyst Ratings BreakdownLatest UBFO, SMBC, XYF, and VEL Analyst RatingsDateCompanyBrokerageActionRatingPrice TargetDetails4/22/2025SMBCSouthern Missouri BancorpStephensSubscribe to MarketBeat All Access for the recommendation accuracy ratingReiterated RatingOverweight ➝ Overweight$65.00 ➝ $65.00(Data available from 5/11/2022 forward. View 10+ years of historical ratings with our analyst ratings screener.)Compare Sales & Book ValueCompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/BookSMBCSouthern Missouri Bancorp$171.80M3.71$4.25 per share12.53$45.43 per share1.17UBFOUnited Security Bancshares$52.46M3.01$1.16 per share7.77$7.15 per share1.26VELVelocity Financial$224.07M2.65$2.00 per share8.13$13.33 per share1.22XYFX Financial$2.56B0.26$4.41 per share3.10$16.83 per share0.81Compare Profitability & EarningsCompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings DateSMBCSouthern Missouri Bancorp$50.18M$4.9811.639.35N/A17.72%10.45%1.10%N/AUBFOUnited Security Bancshares$14.78M$0.7810.50∞N/A22.58%11.54%1.20%7/16/2025 (Estimated)VELVelocity Financial$52.27M$1.948.818.27N/A51.06%14.50%1.41%7/30/2025 (Estimated)XYFX Financial$167.16M$4.353.61∞N/A25.03%20.66%11.17%5/29/2025 (Estimated)Latest UBFO, SMBC, XYF, and VEL EarningsDateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails5/1/2025Q1 2025VELVelocity Financial$0.52$0.55+$0.03$0.51$51.33 million$69.08 million4/21/2025Q3 2025SMBCSouthern Missouri Bancorp$1.31$1.39+$0.08$1.39$45.33 million$46.15 million4/17/2025Q1 2025UBFOUnited Security BancsharesN/A$0.16N/A$0.16N/A$13.66 million3/19/2025Q4 2024XYFX FinancialN/A$1.13N/A$1.10N/A$234.09 million3/6/2025Q4 2024VELVelocity Financial$0.48$0.60+$0.12$0.57$42.70 million$38.86 millionCompare DividendsCompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive GrowthSMBCSouthern Missouri Bancorp$0.921.73%+6.92%18.47%13 YearsUBFOUnited Security Bancshares$0.485.32%+2.94%61.54%2 YearsVELVelocity FinancialN/AN/AN/AN/AN/AXYFX Financial$0.322.34%N/A7.36%N/ALatest UBFO, SMBC, XYF, and VEL DividendsAnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date3/20/2025XYFX Financialsemi-annual$0.252.6%6/20/20256/20/20257/2/20254/15/2025SMBCSouthern Missouri Bancorpquarterly$0.231.9%5/15/20255/15/20255/30/20253/25/2025UBFOUnited Security Bancsharesquarterly$0.125.35%4/7/20254/7/20254/22/2025(Data available from 1/1/2013 forward)Compare DebtCompanyDebt-to-Equity RatioCurrent RatioQuick RatioSMBCSouthern Missouri Bancorp0.250.970.97UBFOUnited Security Bancshares0.090.920.92VELVelocity Financial8.4936.7236.72XYFX FinancialN/A2.162.16Compare OwnershipInstitutional OwnershipCompanyInstitutional OwnershipSMBCSouthern Missouri Bancorp49.49%UBFOUnited Security Bancshares30.88%VELVelocity Financial97.49%XYFX Financial1.15%Insider OwnershipCompanyInsider OwnershipSMBCSouthern Missouri Bancorp16.60%UBFOUnited Security Bancshares22.10%VELVelocity Financial4.60%XYFX Financial31.58%Compare Miscellaneous StatsCompanyEmployeesShares OutstandingFree FloatOptionableSMBCSouthern Missouri Bancorp54011.96 million9.41 millionOptionableUBFOUnited Security Bancshares12017.48 million13.84 millionOptionableVELVelocity Financial22036.49 million31.79 millionOptionableXYFX Financial42048.93 million33.48 millionNot OptionableUBFO, SMBC, XYF, and VEL HeadlinesRecent News About These CompaniesX Financial (NYSE:XYF) Trading Down 6.2% - Time to Sell?May 7, 2025 | marketbeat.comWhy X Financial (XYF) Is Surging in 2025May 2, 2025 | insidermonkey.comX Financial (NYSE:XYF) Trading Up 3.6% - Time to Buy?May 1, 2025 | marketbeat.comX Financial Files Annual Report on Form 20-F for Fiscal Year 2024 | XYF Stock NewsApril 25, 2025 | gurufocus.comX Financial Files Annual Report on Form 20-F for Fiscal Year 2024April 25, 2025 | prnewswire.comShort Interest in X Financial (NYSE:XYF) Expands By 163.5%April 17, 2025 | marketbeat.comX Financial (NYSE:XYF) Sees Unusually-High Trading Volume - Still a Buy?April 16, 2025 | marketbeat.comX Financial Enters the Top 20 Stocks to Buy. Should You Jump on the Bandwagon?April 15, 2025 | msn.comX Financial falls -9.0%April 2, 2025 | markets.businessinsider.comX Financial (NYSE:XYF) Q4 2024 Earnings Call TranscriptMarch 23, 2025 | insidermonkey.comX Financial’s Earnings Call Highlights Growth and AI StrategyMarch 21, 2025 | tipranks.comX Financial rises 7.8%March 21, 2025 | markets.businessinsider.comX Financial declares $0.25 dividendMarch 21, 2025 | seekingalpha.comX Financial (XYF) Q4 2024 Earnings Call Highlights: Record Growth in Loan Volumes and Net IncomeMarch 21, 2025 | gurufocus.comQ4 2024 X Financial Earnings Call TranscriptMarch 21, 2025 | gurufocus.comX Financial Reports Strong Growth in 2024 EarningsMarch 21, 2025 | tipranks.comX Financial Announces Execution of Five Key Financial Strategies, Enhancing Integration of Finance and Technology in 2024March 20, 2025 | investing.comX Financial (XYF) Q4 2024 Earnings Call TranscriptMarch 20, 2025 | seekingalpha.comX Financial 2024 Q4 - Results - Earnings Call PresentationMarch 20, 2025 | seekingalpha.comX Financial Non-GAAP EPADS of $1.16, revenue of $234.09M; initiates Q1 outlookMarch 20, 2025 | seekingalpha.comX Financial Non-GAAP EPADS of RMB 8.46, revenue of RMB 1.71MMarch 19, 2025 | seekingalpha.comNew MarketBeat Followers Over TimeMedia Sentiment Over TimeUBFO, SMBC, XYF, and VEL Company DescriptionsSouthern Missouri Bancorp NASDAQ:SMBC$53.28 -0.04 (-0.08%) As of 05/9/2025 04:00 PM EasternSouthern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, saving accounts, certificates of deposit, retirement savings plans, and money market deposit accounts. It also provides loans, such as residential mortgage, commercial real estate, construction, and commercial business loans; and consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance; online and mobile banking services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.United Security Bancshares NASDAQ:UBFO$9.03 -0.12 (-1.31%) As of 05/9/2025 03:54 PM EasternUnited Security Bancshares operates as the bank holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. It also provides real estate mortgage, commercial and industrial, real estate construction and development, and consumer loans, as well as agricultural, installment, and student loans. In addition, the company offers online and mobile banking, safe deposit boxes, wire transfers, payroll direct deposit, cashier's check, cash management, and foreign draft services, as well as interactive teller machines; and person-to-person and bank-to-bank transfers for consumer customers. United Security Bancshares was founded in 1987 and is headquartered in Fresno, California.Velocity Financial NYSE:VEL$16.30 -0.36 (-2.16%) As of 05/9/2025 03:59 PM EasternVelocity Financial, Inc. operates as a real estate finance company in the United States. It originates, securitizes, and manages a portfolio of loans, which are secured by first mortgage liens on income-producing and/or owner/user commercial properties, including investor 1-4, a non-owner occupied residential rental properties with 1-4 units; residential apartments combined with office or retail space; and multi-family comprising traditional apartment buildings, condominiums, and other residential properties with 5+ units. The company also finances for retail properties with various types of retail products and merchandise or services; commercial properties occupied by professional or business offices; and warehouse and other properties, which include self-storage units, auto services, hospitality, light industrial, and other commercial enterprises, as well as provides short-term and interest-only loans for acquisition and improvement of 1-4-unit residential properties. It offers its products through a network of independent mortgage brokers for independent real estate investors and small business owners. The company was founded in 2004 and is headquartered in Westlake Village, California.X Financial NYSE:XYF$13.67 +0.31 (+2.32%) As of 05/9/2025 03:59 PM EasternX Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China. 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