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United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 08/28/2026

UBFO vs. AROW, PFIS, CWBC, CARE, and BCAL

Should you buy United Security Bancshares stock or one of its competitors? United Security Bancshares's main competitors and comparable companies include Arrow Financial (AROW), Peoples Financial Services (PFIS), Community West Bancshares (CWBC), Carter Bankshares (CARE), and California BanCorp (BCAL). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does United Security Bancshares compare to Arrow Financial?

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

Arrow Financial has a consensus price target of $40.83, suggesting a potential upside of 7.01%. Given Arrow Financial's higher probable upside, analysts plainly believe Arrow 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
Arrow Financial
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

United Security Bancshares has a beta of 0.34, indicating that its stock price is 66% less volatile than the broader market. Comparatively, Arrow Financial has a beta of 0.76, indicating that its stock price is 24% less volatile than the broader market.

In the previous week, Arrow Financial had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Arrow Financial and 0 mentions for United Security Bancshares. Arrow Financial's average media sentiment score of 1.71 beat United Security Bancshares' score of 0.00 indicating that Arrow Financial is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Arrow Financial Very Positive

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Arrow Financial pays an annual dividend of $1.20 per share and has a dividend yield of 3.1%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Arrow Financial pays out 38.7% 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 raised its dividend for 2 consecutive years and Arrow Financial has raised its dividend for 7 consecutive years.

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 46.7% of Arrow Financial shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 3.5% of Arrow Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Arrow Financial has a net margin of 20.56% compared to United Security Bancshares' net margin of 18.65%. Arrow Financial's return on equity of 12.13% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Arrow Financial 20.56%12.13%1.17%

Arrow Financial has higher revenue and earnings than United Security Bancshares. Arrow 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 Ratio
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Arrow Financial$242.58M2.91$43.95M$3.1012.31

Summary

Arrow Financial beats United Security Bancshares on 14 of the 19 factors compared between the two stocks.

How does United Security Bancshares compare to Peoples Financial Services?

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

Peoples Financial Services has higher revenue and earnings than United Security Bancshares. Peoples 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
Peoples Financial Services$283.67M2.46$59.19M$8.837.89

United Security Bancshares has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, Peoples Financial Services has a beta of 0.75, indicating that its share price is 25% less volatile than the broader market.

Peoples Financial Services has a consensus price target of $65.50, suggesting a potential downside of 5.93%. Given Peoples Financial Services' higher possible upside, analysts plainly believe Peoples 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
Peoples Financial Services
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

Peoples Financial Services has a net margin of 20.66% compared to United Security Bancshares' net margin of 18.65%. Peoples Financial Services' return on equity of 17.27% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Peoples Financial Services 20.66%17.27%1.70%

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Peoples Financial Services pays an annual dividend of $2.50 per share and has a dividend yield of 3.6%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Peoples Financial Services pays out 28.3% 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 Peoples Financial Services has increased its dividend for 8 consecutive years.

In the previous week, Peoples Financial Services had 3 more articles in the media than United Security Bancshares. MarketBeat recorded 3 mentions for Peoples Financial Services and 0 mentions for United Security Bancshares. Peoples Financial Services' average media sentiment score of 1.21 beat United Security Bancshares' score of 0.00 indicating that Peoples Financial Services is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Peoples Financial Services Positive

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 31.7% of Peoples Financial Services shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by insiders. Comparatively, 8.2% of Peoples Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

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

How does United Security Bancshares compare to Community West Bancshares?

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

In the previous week, Community West Bancshares had 5 more articles in the media than United Security Bancshares. MarketBeat recorded 5 mentions for Community West Bancshares and 0 mentions for United Security Bancshares. Community West Bancshares' average media sentiment score of 1.52 beat United Security Bancshares' score of 0.00 indicating that Community West Bancshares is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Community West Bancshares Very Positive

United Security Bancshares has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, Community West Bancshares has a beta of 0.8, indicating that its share price is 20% less volatile than the broader market.

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Community West Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 1.9%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Community West Bancshares pays out 25.9% 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.

Community West Bancshares has a consensus target price of $28.17, suggesting a potential upside of 9.09%. Given Community West Bancshares' higher probable upside, analysts plainly believe Community West Bancshares 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
Community West Bancshares
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60

United Security Bancshares has a net margin of 18.65% compared to Community West Bancshares' net margin of 16.86%. Community West Bancshares' return on equity of 10.12% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Community West Bancshares 16.86%10.12%1.16%

Community West Bancshares has higher revenue and earnings than United Security Bancshares. Community West Bancshares 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
Community West Bancshares$196.20M3.57$38.17M$1.8513.96

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 33.8% of Community West Bancshares shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by insiders. Comparatively, 9.0% of Community West Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Summary

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

How does United Security Bancshares compare to Carter Bankshares?

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

Carter Bankshares pays an annual dividend of $0.40 per share and has a dividend yield of 1.3%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Carter Bankshares pays out 6.9% 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. United Security Bancshares has raised 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.

Carter Bankshares has a net margin of 36.79% compared to United Security Bancshares' net margin of 18.65%. United Security Bancshares' return on equity of 9.03% beat Carter Bankshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Carter Bankshares36.79% 7.46% 0.73%
United Security Bancshares 18.65%9.03%1.01%

Carter Bankshares has a beta of 0.52, suggesting that its share price is 48% less volatile than the broader market. Comparatively, United Security Bancshares has a beta of 0.34, suggesting that its share price is 66% less volatile than the broader market.

In the previous week, Carter Bankshares had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Carter Bankshares and 0 mentions for United Security Bancshares. Carter Bankshares' average media sentiment score of 1.45 beat United Security Bancshares' score of 0.00 indicating that Carter Bankshares is being referred to more favorably in the media.

Company Overall Sentiment
Carter Bankshares Positive
United Security Bancshares Neutral

Carter Bankshares presently has a consensus target price of $30.75, suggesting a potential downside of 2.29%. Given Carter Bankshares' higher possible upside, analysts clearly believe Carter Bankshares is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Carter Bankshares
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Carter Bankshares has higher revenue and earnings than United Security Bancshares. Carter Bankshares 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
Carter Bankshares$214.28M3.26$31M$5.815.42
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

41.5% of Carter Bankshares shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 2.4% of Carter Bankshares shares are held by company insiders. Comparatively, 22.1% of United Security Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

Carter Bankshares beats United Security Bancshares on 10 of the 18 factors compared between the two stocks.

How does United Security Bancshares compare to California BanCorp?

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

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 55.4% of California BanCorp shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by insiders. Comparatively, 8.1% of California BanCorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

California BanCorp has a net margin of 26.01% compared to United Security Bancshares' net margin of 18.65%. California BanCorp's return on equity of 10.44% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
California BanCorp 26.01%10.44%1.49%

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. California BanCorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. California BanCorp pays out 21.7% 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 raised 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.

California BanCorp has a consensus target price of $24.50, indicating a potential upside of 15.19%. Given California BanCorp's higher possible upside, analysts plainly believe California BanCorp 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
California BanCorp
0 Sell rating(s)
1 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.83

In the previous week, California BanCorp had 5 more articles in the media than United Security Bancshares. MarketBeat recorded 5 mentions for California BanCorp and 0 mentions for United Security Bancshares. California BanCorp's average media sentiment score of 0.64 beat United Security Bancshares' score of 0.00 indicating that California BanCorp is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
California BanCorp Positive

United Security Bancshares has a beta of 0.34, meaning that its stock price is 66% less volatile than the broader market. Comparatively, California BanCorp has a beta of 0.92, meaning that its stock price is 8% less volatile than the broader market.

California BanCorp has higher revenue and earnings than United Security Bancshares. California BanCorp 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
California BanCorp$237.07M2.88$63.06M$1.8411.56

Summary

California BanCorp beats United Security Bancshares on 13 of the 19 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

MetricUnited Security BancsharesBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$181.36M$23.55B$14.05B$12.91B
Dividend Yield4.57%3.19%5.89%11.28%
P/E Ratio14.8027.3826.7425.45
Price / Sales3.399.40514.6894.08
Price / Cash12.3616.0438.3253.00
Price / Book1.321.362.196.14
Net Income$12.29M$2.58B$1.31B$348.86M
7 Day PerformanceN/A-0.04%0.90%-0.80%
1 Month PerformanceN/A0.76%2.48%4.13%
1 Year Performance10.40%22.94%10.76%15.17%

United Security Bancshares Competitors List

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
AROW
Arrow Financial
4.2654 of 5 stars
$38.18
-2.1%
$40.83
+6.9%
+28.4%$722.05M$242.58M12.32510
PFIS
Peoples Financial Services
2.5307 of 5 stars
$69.65
-2.3%
$65.50
-6.0%
+32.9%$713.54M$283.67M7.89400
CWBC
Community West Bancshares
4.3579 of 5 stars
$25.81
-1.3%
$28.17
+9.1%
+21.1%$709.48M$196.20M13.95253
CARE
Carter Bankshares
3.1418 of 5 stars
$30.86
-2.1%
$30.75
-0.4%
+61.7%$698.83M$254.63M5.31730

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This page (NASDAQ:UBFO) was last updated on 8/30/2026 by MarketBeat.com Staff.
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