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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?

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

Orrstown Financial Services currently has a consensus target price of $41.67, suggesting a potential upside of 10.55%. Given Orrstown Financial Services' higher probable upside, equities 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
Orrstown Financial Services
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60
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 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
Orrstown Financial Services$356.05M2.08$80.86M$4.378.62
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

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
Orrstown Financial Services23.58% 14.75% 1.55%
United Security Bancshares 18.65%9.03%1.01%

44.3% of Orrstown Financial Services shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 4.3% of Orrstown Financial Services shares are owned by insiders. Comparatively, 22.1% of United Security Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

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. Orrstown Financial Services' average media sentiment score of 0.00 equaled United Security Bancshares'average media sentiment score.

Company Overall Sentiment
Orrstown Financial Services Neutral
United Security Bancshares Neutral

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

Orrstown Financial Services pays an annual dividend of $1.20 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%. Orrstown Financial Services pays out 27.5% 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. Orrstown Financial Services has raised its dividend for 10 consecutive years and United Security Bancshares has raised its dividend for 2 consecutive years.

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?

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

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

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

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
Alerus Financial6.74% 14.39% 1.51%
United Security Bancshares 18.65%9.03%1.01%

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
Alerus Financial$399.92M1.82$17.44M$1.0328.11
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

In the previous week, Alerus Financial had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 1 mentions for Alerus Financial and 0 mentions for United Security Bancshares. 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 media.

Company Overall Sentiment
Alerus Financial Positive
United Security Bancshares Neutral

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

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

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

Summary

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

How does United Security Bancshares compare to SmartFinancial?

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

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
SmartFinancial12.67% 7.33% 0.71%
United Security Bancshares 18.65%9.03%1.01%

SmartFinancial pays an annual dividend of $0.36 per share and has a dividend yield of 0.9%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. SmartFinancial pays out 11.5% 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. SmartFinancial has raised its dividend for 3 consecutive years and United Security Bancshares has raised its dividend for 2 consecutive years.

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 media.

Company Overall Sentiment
SmartFinancial Positive
United Security Bancshares Neutral

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

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
SmartFinancial$203.48M3.56$36.14M$3.1213.57
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

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

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

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

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?

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

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

OppFi has a consensus price target of $13.00, indicating a potential upside of 55.97%. Given OppFi's higher probable upside, analysts clearly believe OppFi 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
OppFi
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

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
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
OppFi$597.05M1.19$26.33M$0.938.96

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
United Security Bancshares18.65% 9.03% 1.01%
OppFi 10.86%39.90%15.95%

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

In the previous week, OppFi had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 1 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 news media.

Company Overall Sentiment
United Security Bancshares Neutral
OppFi Positive

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?

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

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 79.4% of Independent Bank shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 5.9% of Independent Bank shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

United Security Bancshares has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market. Comparatively, Independent Bank has a beta of 0.71, meaning that its share price is 29% 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
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Independent Bank$315.38M2.26$68.54M$3.3510.32

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Independent Bank pays an annual dividend of $1.12 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. Independent Bank pays out 33.4% 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 Independent Bank has increased its dividend for 11 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
United Security Bancshares18.65% 9.03% 1.01%
Independent Bank 22.02%14.15%1.27%

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 news media.

Company Overall Sentiment
United Security Bancshares Neutral
Independent Bank Neutral

Independent Bank has a consensus target price of $37.00, suggesting a potential upside of 7.00%. Given Independent Bank's higher possible upside, analysts plainly believe Independent Bank 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
Independent Bank
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

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 / Sales3.392.68137.93112.52
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%-0.17%-3.07%
1 Month PerformanceN/A1.33%0.04%0.37%
1 Year Performance27.55%28.09%11.71%27.87%

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%		+25.4%$710.28M$252.65M8.27430
ALRS
Alerus Financial
2.9947 of 5 stars		$28.08
-2.9%		$28.38
+1.1%		+37.2%$705.65M$399.92M27.26840
SMBK
SmartFinancial
4.485 of 5 stars		$40.66
-2.4%		$45.88
+12.8%		+32.4%$695.21M$203.48M19.00550
OPFI
OppFi
4.4338 of 5 stars		$8.03
-4.0%		$13.00
+62.0%		-37.4%$685.26M$597.05M8.63570

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This page (NASDAQ:UBFO) was last updated on 6/5/2026 by MarketBeat.com Staff.
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