UBFO vs. SPFI, SMBC, NPB, SMBK, CNCK, JFIN, HIVE, XYF, WYFI, and FUFU
Should you be buying United Security Bancshares stock or one of its competitors? The main competitors of United Security Bancshares include South Plains Financial (SPFI), Southern Missouri Bancorp (SMBC), Northpointe Bancshares (NPB), SmartFinancial (SMBK), Coincheck Group (CNCK), Jiayin Group (JFIN), HIVE Digital Technologies (HIVE), X Financial (XYF), WhiteFiber (WYFI), and BitFuFu (FUFU). These companies are all part of the "banking" industry.
United Security Bancshares vs. Its Competitors
United Security Bancshares (NASDAQ:UBFO) and South Plains Financial (NASDAQ:SPFI) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, media sentiment, dividends, profitability, institutional ownership, analyst recommendations, risk and valuation.
In the previous week, United Security Bancshares and United Security Bancshares both had 2 articles in the media. South Plains Financial's average media sentiment score of 1.80 beat United Security Bancshares' score of 0.90 indicating that South Plains Financial is being referred to more favorably in the news media.
United Security Bancshares has a beta of 0.42, suggesting that its stock price is 58% less volatile than the S&P 500. Comparatively, South Plains Financial has a beta of 0.72, suggesting that its stock price is 28% less volatile than the S&P 500.
United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 5.0%. South Plains Financial pays an annual dividend of $0.64 per share and has a dividend yield of 1.6%. United Security Bancshares pays out 72.7% of its earnings in the form of a dividend. South Plains Financial pays out 20.0% 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. United Security Bancshares has raised its dividend for 2 consecutive years and South Plains Financial has raised its dividend for 5 consecutive years.
South Plains Financial has higher revenue and earnings than United Security Bancshares. South Plains Financial 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.
South Plains Financial has a net margin of 18.59% compared to United Security Bancshares' net margin of 17.07%. South Plains Financial's return on equity of 12.27% beat United Security Bancshares' return on equity.
South Plains Financial has a consensus target price of $44.67, suggesting a potential upside of 12.19%. Given South Plains Financial's stronger consensus rating and higher possible upside, analysts clearly believe South Plains Financial is more favorable than United Security Bancshares.
30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 55.0% of South Plains Financial shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 24.6% of South Plains Financial shares are owned by company 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.
Summary
South Plains Financial beats United Security Bancshares on 15 of the 18 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.
New MarketBeat Followers Over Time
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.
Media Sentiment Over Time
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.
United Security Bancshares Competitors List
Related Companies and Tools
This page (NASDAQ:UBFO) was last updated on 9/12/2025 by MarketBeat.com Staff
Free UBFO Stock Alerts