United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 06/25/2026

UBFO vs. CARE, VEL, BTBT, TCBX, and BCAL

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 Carter Bankshares (CARE), Velocity Financial (VEL), Bit Digital (BTBT), Third Coast Bancshares (TCBX), and California BanCorp (BCAL). These companies are all part of the "banking" industry.

How does United Security Bancshares compare to Carter Bankshares?

United Security Bancshares (NASDAQ:UBFO) and Carter Bankshares (NASDAQ:CARE) 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.

Carter Bankshares has a net margin of 33.60% 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
United Security Bancshares18.65% 9.03% 1.01%
Carter Bankshares 33.60%7.51%0.68%

In the previous week, Carter Bankshares had 3 more articles in the media than United Security Bancshares. MarketBeat recorded 3 mentions for Carter Bankshares and 0 mentions for United Security Bancshares. Carter Bankshares' average media sentiment score of 1.08 beat United Security Bancshares' score of 0.00 indicating that Carter Bankshares is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Carter Bankshares Positive

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
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Carter Bankshares$218.89M3.33$31M$4.876.74

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 41.5% of Carter Bankshares shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by insiders. Comparatively, 2.4% of Carter Bankshares 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.

United Security Bancshares has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market. Comparatively, Carter Bankshares has a beta of 0.53, indicating that its share price is 47% less volatile than the broader market.

Carter Bankshares has a consensus target price of $28.50, suggesting a potential downside of 13.19%. Given Carter Bankshares' higher probable upside, analysts plainly believe Carter Bankshares 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
Carter Bankshares
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Carter Bankshares pays an annual dividend of $0.40 per share and has a dividend yield of 1.2%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Carter Bankshares pays out 8.2% 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.

Summary

Carter Bankshares beats United Security Bancshares on 11 of the 19 factors compared between the two stocks.

How does United Security Bancshares compare to Velocity Financial?

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

Velocity Financial has a consensus price target of $22.75, indicating a potential upside of 28.02%. Given Velocity Financial's higher possible upside, analysts clearly believe Velocity 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
Velocity Financial
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75

Velocity Financial has higher revenue and earnings than United Security Bancshares. Velocity 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
Velocity Financial$185.78M3.76$105.05M$2.806.35

In the previous week, Velocity Financial had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 1 mentions for Velocity Financial and 0 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 0.00 equaled Velocity Financial'saverage media sentiment score.

Company Overall Sentiment
United Security Bancshares Neutral
Velocity Financial Neutral

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 97.5% of Velocity Financial shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 4.7% of Velocity Financial 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.

Velocity Financial has a net margin of 56.47% compared to United Security Bancshares' net margin of 18.65%. Velocity Financial's return on equity of 18.01% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Velocity Financial 56.47%18.01%1.66%

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

Summary

Velocity Financial beats United Security Bancshares on 12 of the 15 factors compared between the two stocks.

How does United Security Bancshares compare to Bit Digital?

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

United Security Bancshares has lower revenue, but higher earnings than Bit Digital. Bit Digital 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
Bit Digital$113.56M6.01-$80.32M-$0.68N/A
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

In the previous week, Bit Digital had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 1 mentions for Bit Digital and 0 mentions for United Security Bancshares. Bit Digital's average media sentiment score of 1.44 beat United Security Bancshares' score of 0.00 indicating that Bit Digital is being referred to more favorably in the media.

Company Overall Sentiment
Bit Digital Positive
United Security Bancshares Neutral

Bit Digital currently has a consensus target price of $5.67, suggesting a potential upside of 189.86%. Given Bit Digital's higher probable upside, equities analysts clearly believe Bit Digital is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bit Digital
2 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.00
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

United Security Bancshares has a net margin of 18.65% compared to Bit Digital's net margin of -145.39%. United Security Bancshares' return on equity of 9.03% beat Bit Digital's return on equity.

Company Net Margins Return on Equity Return on Assets
Bit Digital-145.39% -8.44% -6.24%
United Security Bancshares 18.65%9.03%1.01%

47.7% of Bit Digital shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 2.0% of Bit Digital 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 stock will outperform the market over the long term.

Bit Digital has a beta of 3.98, suggesting that its stock price is 298% more 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.

Summary

Bit Digital and United Security Bancshares tied by winning 8 of the 16 factors compared between the two stocks.

How does United Security Bancshares compare to Third Coast Bancshares?

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

Third Coast Bancshares has a beta of 0.33, indicating that its stock price is 67% less 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.

Third Coast Bancshares pays an annual dividend of $16.87 per share and has a dividend yield of 41.8%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Third Coast Bancshares pays out 433.7% 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. United Security Bancshares has raised its dividend for 2 consecutive years.

Third Coast Bancshares presently has a consensus price target of $45.00, indicating a potential upside of 11.42%. Given Third Coast Bancshares' higher probable upside, equities research analysts plainly believe Third Coast Bancshares is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Third Coast Bancshares
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

United Security Bancshares has a net margin of 18.65% compared to Third Coast Bancshares' net margin of 16.30%. Third Coast Bancshares' return on equity of 12.05% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Third Coast Bancshares16.30% 12.05% 1.17%
United Security Bancshares 18.65%9.03%1.01%

36.9% of Third Coast Bancshares shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 10.5% of Third Coast Bancshares 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 large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

In the previous week, Third Coast Bancshares' average media sentiment score of 0.00 equaled United Security Bancshares'average media sentiment score.

Company Overall Sentiment
Third Coast Bancshares Neutral
United Security Bancshares Neutral

Third Coast Bancshares has higher revenue and earnings than United Security Bancshares. Third Coast 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
Third Coast Bancshares$219.24M3.06$47.67M$3.8910.38
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Summary

Third Coast Bancshares beats United Security Bancshares on 9 of the 17 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 superior business? We will contrast the two businesses based on the strength of their analyst recommendations, media sentiment, profitability, earnings, institutional ownership, valuation, dividends and risk.

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$237.07M2.80$63.06M$1.8311.27

In the previous week, California BanCorp had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 1 mentions for California BanCorp and 0 mentions for United Security Bancshares. California BanCorp's average media sentiment score of 1.43 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

California BanCorp has a consensus price target of $20.67, indicating a potential upside of 0.18%. Given California BanCorp's higher possible upside, analysts clearly 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)
3 Buy rating(s)
1 Strong Buy rating(s)
3.00

California BanCorp has a net margin of 25.68% compared to United Security Bancshares' net margin of 18.65%. California BanCorp's return on equity of 10.59% 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 25.68%10.59%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 21.9% 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 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.

United Security Bancshares has a beta of 0.34, suggesting that its share price is 66% less volatile than the broader market. Comparatively, California BanCorp has a beta of 0.99, suggesting that its share price is 1% less volatile than the broader market.

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 55.4% of California BanCorp shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by insiders. Comparatively, 8.1% of California BanCorp 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

California BanCorp beats United Security Bancshares on 14 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$2.45B$13.83B$12.18B
Dividend Yield4.57%2.99%5.73%5.90%
P/E Ratio14.8012.6820.3224.03
Price / Sales3.393.60132.5099.66
Price / Cash12.3612.1719.3453.91
Price / Book1.321.372.246.31
Net Income$12.29M$182.95M$1.14B$337.69M
7 Day PerformanceN/A1.54%0.41%-0.94%
1 Month PerformanceN/A0.77%0.86%-0.31%
1 Year Performance25.27%22.78%14.60%25.81%

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
CARE
Carter Bankshares
3.8201 of 5 stars
$32.50
+0.5%
$28.50
-12.3%
+90.6%$722.15M$254.63M6.67730
VEL
Velocity Financial
2.8939 of 5 stars
$17.76
+0.5%
$22.75
+28.1%
-5.7%$697.01M$326.57M6.34220
BTBT
Bit Digital
3.345 of 5 stars
$1.94
-9.6%
$5.67
+192.9%
-17.9%$675.68M$116.38MN/A10
TCBX
Third Coast Bancshares
2.0468 of 5 stars
$40.62
+1.9%
$45.00
+10.8%
+25.6%$673.90M$219.24M12.42330

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This page (NASDAQ:UBFO) was last updated on 6/26/2026 by MarketBeat.com Staff.
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