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United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 06/4/2026
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UBFO vs. ORRF, ALRS, SMBK, OPFI, and IBCP

Should you buy United Security Bancshares stock or one of its competitors? MarketBeat compares United Security Bancshares with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with United Security Bancshares include Orrstown Financial Services (ORRF), Alerus Financial (ALRS), SmartFinancial (SMBK), OppFi (OPFI), and Independent Bank (IBCP). These companies are all part of the "banking" industry.

How does United Security Bancshares compare to Orrstown Financial Services?

United Security Bancshares (NASDAQ:UBFO) and Orrstown Financial Services (NASDAQ:ORRF) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, earnings, dividends, institutional ownership, profitability, analyst recommendations, risk and media sentiment.

Orrstown Financial Services has higher revenue and earnings than United Security Bancshares. Orrstown Financial Services 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 Ratio
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Orrstown Financial Services$356.05M2.08$80.86M$4.378.62

In the previous week, Orrstown Financial Services had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Orrstown Financial Services and 0 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 0.00 equaled Orrstown Financial Services'average media sentiment score.

Company Overall Sentiment
United Security Bancshares Neutral
Orrstown Financial Services Neutral

United Security Bancshares has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, Orrstown Financial Services has a beta of 0.7, indicating that its share price is 30% less volatile than the broader market.

Orrstown Financial Services has a net margin of 23.58% compared to United Security Bancshares' net margin of 18.65%. Orrstown Financial Services' return on equity of 14.75% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Orrstown Financial Services 23.58%14.75%1.55%

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.2%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Orrstown Financial Services pays out 27.5% 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 and Orrstown Financial Services has increased its dividend for 10 consecutive years.

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 44.3% of Orrstown Financial Services shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by insiders. Comparatively, 4.3% of Orrstown Financial Services shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Orrstown Financial Services has a consensus price target of $41.67, indicating a potential upside of 10.55%. Given Orrstown Financial Services' higher probable upside, analysts plainly believe Orrstown Financial Services is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Orrstown Financial Services
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60

Summary

Orrstown Financial Services beats United Security Bancshares on 13 of the 18 factors compared between the two stocks.

How does United Security Bancshares compare to Alerus Financial?

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

United Security Bancshares has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, Alerus Financial has a beta of 0.69, indicating that its share price is 31% less volatile than the broader market.

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 51.3% of Alerus Financial shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 4.3% of Alerus Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Alerus Financial$399.92M1.82$17.44M$1.0328.11

In the previous week, Alerus Financial's average media sentiment score of 0.53 beat United Security Bancshares' score of 0.00 indicating that Alerus Financial is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Alerus Financial Positive

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Alerus Financial pays an annual dividend of $0.84 per share and has a dividend yield of 2.9%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Alerus Financial pays out 81.6% 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 has raised its dividend for 2 consecutive years and Alerus Financial has raised its dividend for 25 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Alerus Financial has a consensus target price of $28.38, suggesting a potential downside of 1.99%. Given Alerus Financial's higher probable upside, analysts plainly believe Alerus Financial is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Alerus Financial
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
2 Strong Buy rating(s)
2.71

United Security Bancshares has a net margin of 18.65% compared to Alerus Financial's net margin of 6.74%. Alerus Financial's return on equity of 14.39% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Alerus Financial 6.74%14.39%1.51%

Summary

Alerus Financial beats United Security Bancshares on 12 of the 18 factors compared between the two stocks.

How does United Security Bancshares compare to SmartFinancial?

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

United Security Bancshares has a net margin of 18.65% compared to SmartFinancial's net margin of 12.67%. United Security Bancshares' return on equity of 9.03% beat SmartFinancial's return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
SmartFinancial 12.67%7.33%0.71%

United Security Bancshares has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, SmartFinancial has a beta of 0.72, indicating that its share price is 28% less volatile than the broader market.

SmartFinancial has higher revenue and earnings than United Security Bancshares. SmartFinancial 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 Ratio
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
SmartFinancial$203.48M3.56$36.14M$3.1213.57

SmartFinancial has a consensus price target of $45.88, suggesting a potential upside of 8.36%. Given SmartFinancial's higher possible upside, analysts clearly believe SmartFinancial is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
SmartFinancial
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 58.8% of SmartFinancial shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by company insiders. Comparatively, 6.9% of SmartFinancial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

In the previous week, SmartFinancial had 4 more articles in the media than United Security Bancshares. MarketBeat recorded 4 mentions for SmartFinancial and 0 mentions for United Security Bancshares. SmartFinancial's average media sentiment score of 1.32 beat United Security Bancshares' score of 0.00 indicating that SmartFinancial is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
SmartFinancial Positive

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. SmartFinancial pays an annual dividend of $0.36 per share and has a dividend yield of 0.9%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. SmartFinancial pays out 11.5% 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 and SmartFinancial has increased its dividend for 3 consecutive years.

Summary

SmartFinancial beats United Security Bancshares on 13 of the 19 factors compared between the two stocks.

How does United Security Bancshares compare to OppFi?

OppFi (NYSE:OPFI) and United Security Bancshares (NASDAQ:UBFO) are both small-cap banking companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, risk, media sentiment, institutional ownership, profitability, analyst recommendations and valuation.

United Security Bancshares has a net margin of 18.65% compared to OppFi's net margin of 10.86%. OppFi's return on equity of 39.90% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
OppFi10.86% 39.90% 15.95%
United Security Bancshares 18.65%9.03%1.01%

OppFi has a beta of 1.79, indicating that its stock price is 79% more volatile than the broader market. Comparatively, United Security Bancshares has a beta of 0.34, indicating that its stock price is 66% less volatile than the broader market.

OppFi presently has a consensus target price of $13.00, indicating a potential upside of 55.97%. Given OppFi's higher probable upside, equities analysts plainly believe OppFi is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OppFi
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

7.1% of OppFi shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 70.2% of OppFi shares are owned by company insiders. Comparatively, 22.1% of United Security Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

OppFi has higher revenue and earnings than United Security Bancshares. OppFi 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 Ratio
OppFi$597.05M1.19$26.33M$0.938.96
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

In the previous week, OppFi had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for OppFi and 0 mentions for United Security Bancshares. OppFi's average media sentiment score of 1.00 beat United Security Bancshares' score of 0.00 indicating that OppFi is being referred to more favorably in the media.

Company Overall Sentiment
OppFi Positive
United Security Bancshares Neutral

Summary

OppFi beats United Security Bancshares on 10 of the 15 factors compared between the two stocks.

How does United Security Bancshares compare to Independent Bank?

Independent Bank (NASDAQ:IBCP) and United Security Bancshares (NASDAQ:UBFO) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, dividends, media sentiment, institutional ownership, valuation, risk, analyst recommendations and earnings.

Independent Bank has a beta of 0.71, meaning that its stock price is 29% less volatile than the broader market. Comparatively, United Security Bancshares has a beta of 0.34, meaning that its stock price is 66% less volatile than the broader market.

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 Ratio
Independent Bank$315.38M2.26$68.54M$3.3510.32
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.2%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Independent Bank pays out 33.4% of its earnings in the form of a dividend. United Security Bancshares pays out 67.6% 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 raised its dividend for 11 consecutive years and United Security Bancshares has raised its dividend for 2 consecutive years.

Independent Bank has a net margin of 22.02% compared to United Security Bancshares' net margin of 18.65%. Independent Bank's return on equity of 14.15% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Independent Bank22.02% 14.15% 1.27%
United Security Bancshares 18.65%9.03%1.01%

79.4% of Independent Bank shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 5.9% of Independent Bank shares are owned by insiders. Comparatively, 22.1% of United Security Bancshares shares are owned 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.

Independent Bank presently has a consensus price target of $37.00, indicating a potential upside of 7.00%. Given Independent Bank's higher possible upside, research 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)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

In the previous week, Independent Bank had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Independent Bank and 0 mentions for United Security Bancshares. Independent Bank's average media sentiment score of 0.47 beat United Security Bancshares' score of 0.00 indicating that Independent Bank is being referred to more favorably in the media.

Company Overall Sentiment
Independent Bank Neutral
United Security Bancshares Neutral

Summary

Independent Bank beats United Security Bancshares on 13 of the 18 factors compared between the two stocks.

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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.
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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.
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UBFO vs. The Competition

Export
MetricUnited Security BancsharesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$181.36M$2.33B$13.63B$12.46B
Dividend Yield4.57%3.11%5.77%5.34%
P/E Ratio14.8012.2119.9123.64
Price / Sales3.392.68137.93112.93
Price / Cash12.3611.6119.5457.17
Price / Book1.321.332.186.37
Net Income$12.29M$187.34M$1.13B$337.36M
7 Day PerformanceN/A1.02%-0.25%-2.38%
1 Month PerformanceN/A0.52%-0.82%-0.57%
1 Year Performance21.93%25.82%10.61%25.53%

United Security Bancshares Competitors List

Export
CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBFO
United Security Bancshares
N/A$10.51
flat		N/AN/A$181.36M$53.51M14.80120
ORRF
Orrstown Financial Services
3.3276 of 5 stars		$36.15
-3.8%		$41.67
+15.3%		+25.8%$710.28M$252.65M8.27430
ALRS
Alerus Financial
2.8274 of 5 stars		$28.08
-2.9%		$28.38
+1.1%		+37.5%$705.65M$399.92M27.26840
SMBK
SmartFinancial
4.4778 of 5 stars		$40.66
-2.4%		$45.88
+12.8%		+34.0%$695.21M$203.48M19.00550
OPFI
OppFi
4.4338 of 5 stars		$8.03
-4.0%		$13.00
+62.0%		-38.4%$685.26M$597.05M8.63570

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This page (NASDAQ:UBFO) was last updated on 6/6/2026 by MarketBeat.com Staff.
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