United Security Bancshares (UBFO) Competitors $8.34 -0.21 (-2.46%) Closing price 04:00 PM EasternExtended Trading$8.35 +0.01 (+0.06%) 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 AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock UBFO vs. XYF, SMBK, LDI, CBNK, ALRS, QD, YRD, SHBI, HONE, and GNTYShould you be buying United Security Bancshares stock or one of its competitors? The main competitors of United Security Bancshares include X Financial (XYF), SmartFinancial (SMBK), loanDepot (LDI), Capital Bancorp (CBNK), Alerus Financial (ALRS), Qudian (QD), Yirendai (YRD), Shore Bancshares (SHBI), HarborOne Bancorp (HONE), and Guaranty Bancshares (GNTY). These companies are all part of the "banking" industry. United Security Bancshares vs. Its Competitors X Financial SmartFinancial loanDepot Capital Bancorp Alerus Financial Qudian Yirendai Shore Bancshares HarborOne Bancorp Guaranty Bancshares X Financial (NYSE:XYF) and United Security Bancshares (NASDAQ:UBFO) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their media sentiment, risk, profitability, earnings, dividends, analyst recommendations, valuation and institutional ownership. Is XYF or UBFO more profitable? X Financial has a net margin of 24.76% compared to United Security Bancshares' net margin of 17.07%. X Financial's return on equity of 23.30% beat United Security Bancshares' return on equity.Company Net Margins Return on Equity Return on Assets X Financial24.76% 23.30% 13.70% United Security Bancshares 17.07%8.46%0.92% Which has more volatility and risk, XYF or UBFO? X Financial has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.36, meaning that its share price is 64% less volatile than the S&P 500. Which has better valuation and earnings, XYF or UBFO? X Financial has higher revenue and earnings than United Security Bancshares. X 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. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioX Financial$804.43M0.74$210.97M$4.802.95United Security Bancshares$65.46M2.23$14.78M$0.6612.64 Does the media favor XYF or UBFO? In the previous week, X Financial had 4 more articles in the media than United Security Bancshares. MarketBeat recorded 5 mentions for X Financial and 1 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 1.68 beat X Financial's score of 0.67 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 X Financial 1 Very Positive mention(s) 1 Positive mention(s) 2 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 Do insiders and institutionals have more ownership in XYF or UBFO? 1.2% of X Financial shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 31.6% of X Financial 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 stock will outperform the market over the long term. Is XYF or UBFO a better dividend stock? X Financial pays an annual dividend of $0.48 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 5.8%. X Financial pays out 10.0% 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. United Security Bancshares has increased its dividend for 2 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. SummaryX Financial beats United Security Bancshares on 9 of the 16 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. Email Address 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$145.78M$1.77B$11.89B$9.30BDividend Yield5.50%3.46%5.60%4.06%P/E Ratio12.6416.8819.4424.34Price / Sales2.232.5425.94170.18Price / Cash8.7211.0921.3558.21Price / Book1.111.182.105.56Net Income$14.78M$198.60M$1.00B$259.03M7 Day Performance-4.79%-4.02%-2.48%-4.54%1 Month Performance-7.54%-4.22%-0.34%6.03%1 Year Performance5.44%4.94%538.34%15.52% United Security Bancshares Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UBFOUnited Security Bancshares3.3001 of 5 stars$8.34-2.5%N/A+5.9%$145.78M$65.46M12.64120Positive NewsXYFX Financial2.2324 of 5 stars$13.90-3.3%N/A+227.2%$600.38M$804.43M2.90420Short Interest ↑Gap DownHigh Trading VolumeSMBKSmartFinancial3.0797 of 5 stars$35.27-0.6%$38.25+8.5%+20.6%$600.21M$187.06M16.48550LDIloanDepot1.3143 of 5 stars$1.70-4.8%$2.05+20.9%-21.9%$587.24M$831.14M-3.774,900News CoverageUpcoming EarningsCBNKCapital Bancorp4.4224 of 5 stars$34.39+0.4%$34.50+0.3%+23.5%$570.32M$244.71M13.87270News CoverageEarnings ReportDividend IncreaseAnalyst ForecastALRSAlerus Financial4.9361 of 5 stars$23.07+6.2%$23.00-0.3%-5.8%$550.95M$237.02M18.91840News CoverageEarnings ReportAnalyst ForecastAnalyst RevisionHigh Trading VolumeQDQudian2.7666 of 5 stars$3.37+3.4%N/A+112.8%$549.93M$29.65M14.04940News CoverageGap DownYRDYirendai2.5112 of 5 stars$6.05-2.4%N/A+24.3%$535.72M$795.41M2.833,800News CoverageShort Interest ↑SHBIShore Bancshares4.4588 of 5 stars$16.19+2.3%$20.00+23.5%+6.8%$528.32M$326.48M10.06450Positive NewsHONEHarborOne Bancorp4.38 of 5 stars$12.25+0.6%$13.00+6.1%-11.4%$524.66M$318.33M18.85640News CoveragePositive NewsDividend AnnouncementGNTYGuaranty Bancshares2.9745 of 5 stars$46.16+2.1%$45.00-2.5%+26.2%$523.48M$118.37M16.78470Positive News Related Companies and Tools Related Companies XYF Alternatives SMBK Alternatives LDI Alternatives CBNK Alternatives ALRS Alternatives QD Alternatives YRD Alternatives SHBI Alternatives HONE Alternatives GNTY 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 8/1/2025 by MarketBeat.com Staff From Our PartnersMan Who Called Nvidia at $1.10 Says Buy This Now...In 2004, one man called Nvidia before just about anyone knew it existed. 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