United Security Bancshares (UBFO) Competitors $8.67 -0.28 (-3.09%) Closing price 03:59 PM EasternExtended Trading$8.62 -0.05 (-0.55%) As of 04:04 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock UBFO vs. IBCP, SPFI, RHLD, NPB, SMBC, SMBK, FUFU, HONE, CNCK, and ALRSShould you be buying United Security Bancshares stock or one of its competitors? The main competitors of United Security Bancshares include Independent Bank (IBCP), South Plains Financial (SPFI), Resolute Holdings Management (RHLD), Northpointe Bancshares (NPB), Southern Missouri Bancorp (SMBC), SmartFinancial (SMBK), BitFuFu (FUFU), HarborOne Bancorp (HONE), Coincheck Group (CNCK), and Alerus Financial (ALRS). These companies are all part of the "banking" industry. United Security Bancshares vs. Its Competitors Independent Bank South Plains Financial Resolute Holdings Management Northpointe Bancshares Southern Missouri Bancorp SmartFinancial BitFuFu HarborOne Bancorp Coincheck Group Alerus Financial Independent Bank (NASDAQ:IBCP) and United Security Bancshares (NASDAQ:UBFO) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their media sentiment, risk, institutional ownership, earnings, profitability, dividends, valuation and analyst recommendations. Is IBCP or UBFO more profitable? Independent Bank has a net margin of 20.31% compared to United Security Bancshares' net margin of 17.07%. Independent Bank's return on equity of 14.05% beat United Security Bancshares' return on equity.Company Net Margins Return on Equity Return on Assets Independent Bank20.31% 14.05% 1.21% United Security Bancshares 17.07%8.43%0.92% Which has preferable valuation & earnings, IBCP or UBFO? Independent Bank has higher revenue and earnings than United Security Bancshares. Independent Bank is trading at a lower price-to-earnings ratio than United Security Bancshares, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioIndependent Bank$216.12M2.92$66.79M$3.079.93United Security Bancshares$65.46M2.32$14.78M$0.6613.14 Is IBCP or UBFO a better dividend stock? Independent Bank pays an annual dividend of $1.04 per share and has a dividend yield of 3.4%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 5.5%. Independent Bank pays out 33.9% of its earnings in the form of a dividend. United Security Bancshares pays out 72.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Independent Bank has increased its dividend for 11 consecutive years and United Security Bancshares has increased its dividend for 2 consecutive years. Does the media refer more to IBCP or UBFO? In the previous week, Independent Bank and Independent Bank both had 3 articles in the media. United Security Bancshares' average media sentiment score of 1.63 beat Independent Bank's score of 0.87 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 Independent Bank 0 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive United Security Bancshares 1 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive Which has more volatility and risk, IBCP or UBFO? Independent Bank has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.42, indicating that its share price is 58% less volatile than the S&P 500. Do insiders & institutionals believe in IBCP or UBFO? 79.4% of Independent Bank shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 5.7% of Independent Bank shares are held by insiders. Comparatively, 22.1% of United Security Bancshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth. Do analysts prefer IBCP or UBFO? Independent Bank presently has a consensus target price of $36.00, suggesting a potential upside of 18.11%. Given Independent Bank's higher possible upside, equities analysts plainly believe Independent Bank is more favorable than United Security Bancshares.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Independent Bank 0 Sell rating(s) 3 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 2.25United Security Bancshares 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00 SummaryIndependent Bank beats United Security Bancshares on 12 of the 17 factors compared between the two stocks. Get United Security Bancshares News Delivered to You Automatically Sign up to receive the latest news and ratings for UBFO and its competitors with MarketBeat's FREE daily newsletter. Subscribe Now View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding UBFO and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart UBFO vs. The Competition Export to ExcelMetricUnited Security BancsharesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$151.60M$1.86B$12.40B$10.26BDividend Yield5.29%3.44%5.55%4.69%P/E Ratio13.1417.5629.7826.60Price / Sales2.323.0530.40178.23Price / Cash9.0811.6122.5862.20Price / Book1.151.252.236.54Net Income$14.78M$198.60M$1.02B$275.87M7 Day Performance-5.42%-3.55%-1.73%-1.32%1 Month Performance-8.71%-4.58%-1.39%5.24%1 Year Performance6.55%9.07%537.09%31.56% United Security Bancshares Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UBFOUnited Security Bancshares2.9687 of 5 stars$8.67-3.1%N/A+9.1%$151.60M$65.46M13.14120News CoveragePositive NewsUpcoming EarningsAnalyst ForecastIBCPIndependent Bank3.8529 of 5 stars$30.99-1.7%$36.00+16.2%-3.3%$652.97M$323.14M10.09920News CoverageAnalyst ForecastSPFISouth Plains Financial4.4071 of 5 stars$38.47-2.0%$44.67+16.1%+15.9%$637.13M$288.97M12.02680News CoverageAnalyst ForecastRHLDResolute Holdings ManagementN/A$73.27+7.5%N/AN/A$624.66M$420.57M0.00N/APositive NewsNPBNorthpointe Bancshares2.7367 of 5 stars$17.17-4.1%$18.25+6.3%N/A$615.13M$210.02M0.00541Positive NewsDividend AnnouncementAnalyst ForecastSMBCSouthern Missouri Bancorp4.3959 of 5 stars$53.27-1.9%$64.67+21.4%-6.3%$613.10M$182.60M10.28540News CoverageNegative NewsAnalyst DowngradeSMBKSmartFinancial3.0006 of 5 stars$35.82-2.2%$38.25+6.8%+21.5%$609.62M$187.06M16.74550News CoverageAnalyst DowngradeFUFUBitFuFu3.5381 of 5 stars$3.70+1.4%$6.45+74.4%-2.0%$599.16M$463.33M12.7629News CoveragePositive NewsAnalyst ForecastAnalyst RevisionHONEHarborOne Bancorp3.2378 of 5 stars$13.59-1.2%$13.00-4.3%+11.2%$593.43M$318.33M20.91640Analyst ForecastHigh Trading VolumeCNCKCoincheck Group2.0458 of 5 stars$4.53+0.4%$6.00+32.5%N/A$584.95M$392.02B0.00N/AALRSAlerus Financial4.8928 of 5 stars$22.05-2.5%$25.63+16.2%-3.3%$574.46M$336.51M13.05840Positive NewsAnalyst Forecast Related Companies and Tools Related Companies IBCP Alternatives SPFI Alternatives RHLD Alternatives NPB Alternatives SMBC Alternatives SMBK Alternatives FUFU Alternatives HONE Alternatives CNCK Alternatives ALRS Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:UBFO) was last updated on 10/10/2025 by MarketBeat.com Staff From Our PartnersBitcoin grabs headlines, but smart money likes this tokenIf you're a futures trader (or want to be one), this could be the biggest shift you'll ever see in the prop fi...Neuro Street Trading Academy | SponsoredYour Bank Account Is No Longer SafeWhat If Washington Declared That: YOUR Money ISN'T Actually Yours? 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