First Guaranty Bancshares (FGBI) Competitors

First Guaranty Bancshares (NASDAQ:FGBI) and United Security Bancshares (NASDAQ:UBFO) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, risk, valuation, dividends, analyst recommendations, profitability, media sentiment, community ranking and earnings.

Do insiders and institutionals hold more shares of FGBI or UBFO?

39.5% of First Guaranty Bancshares shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 46.4% of First Guaranty Bancshares shares are held by insiders. Comparatively, 20.1% of United Security Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Does the media refer more to FGBI or UBFO?

In the previous week, United Security Bancshares had 2 more articles in the media than First Guaranty Bancshares. MarketBeat recorded 5 mentions for United Security Bancshares and 3 mentions for First Guaranty Bancshares. United Security Bancshares' average media sentiment score of 1.23 beat First Guaranty Bancshares' score of 0.46 indicating that United Security Bancshares is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Guaranty Bancshares	0 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
United Security Bancshares	3 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is FGBI or UBFO a better dividend stock?

First Guaranty Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 6.4%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 6.4%. First Guaranty Bancshares pays out 103.2% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. United Security Bancshares pays out 46.2% of its earnings in the form of a dividend.

Which has stronger earnings and valuation, FGBI or UBFO?

United Security Bancshares has lower revenue, but higher earnings than First Guaranty Bancshares. United Security Bancshares is trading at a lower price-to-earnings ratio than First Guaranty Bancshares, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Guaranty Bancshares	$93.48M	1.34	$9.22M	$0.62	16.10
United Security Bancshares	$54.81M	2.37	$19.80M	$1.04	7.20

Which has more volatility & risk, FGBI or UBFO?

First Guaranty Bancshares has a beta of 0.41, indicating that its stock price is 59% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500.

Do analysts prefer FGBI or UBFO?

First Guaranty Bancshares presently has a consensus price target of $11.25, suggesting a potential upside of 12.73%. Given First Guaranty Bancshares' higher possible upside, equities research analysts plainly believe First Guaranty Bancshares is more favorable than United Security Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Guaranty Bancshares	1 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.00
United Security Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Is FGBI or UBFO more profitable?

United Security Bancshares has a net margin of 27.07% compared to First Guaranty Bancshares' net margin of 4.46%. United Security Bancshares' return on equity of 15.14% beat First Guaranty Bancshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Guaranty Bancshares	4.46%	4.19%	0.26%
United Security Bancshares	27.07%	15.14%	1.42%

Does the MarketBeat Community prefer FGBI or UBFO?

First Guaranty Bancshares received 71 more outperform votes than United Security Bancshares when rated by MarketBeat users. Likewise, 65.43% of users gave First Guaranty Bancshares an outperform vote while only 45.36% of users gave United Security Bancshares an outperform vote.

Company	Underperform	Outperform
First Guaranty Bancshares	Outperform Votes 159 65.43%	Underperform Votes 84 34.57%
United Security Bancshares	Outperform Votes 88 45.36%	Underperform Votes 106 54.64%

Summary

United Security Bancshares beats First Guaranty Bancshares on 10 of the 18 factors compared between the two stocks.