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United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 08/5/2026

UBFO vs. PFIS, MSBI, VEL, CWBC, 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 Peoples Financial Services (PFIS), Midland States Bancorp (MSBI), Velocity Financial (VEL), Community West Bancshares (CWBC), and California BanCorp (BCAL). These companies are all part of the "finance" sector.

How does United Security Bancshares compare to Peoples Financial Services?

Peoples Financial Services (NASDAQ:PFIS) 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 dividends, analyst recommendations, valuation, profitability, earnings, media sentiment, institutional ownership and risk.

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 17.42% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Peoples Financial Services20.66% 17.42% 1.71%
United Security Bancshares 18.65%9.03%1.01%

31.7% of Peoples Financial Services shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 8.2% of Peoples Financial Services shares are held by insiders. Comparatively, 22.1% of United Security Bancshares shares are held 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.

Peoples Financial Services has a beta of 0.75, meaning that its share price is 25% 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.

Peoples Financial Services presently has a consensus price target of $65.50, indicating a potential downside of 8.46%. Given Peoples Financial Services' higher possible upside, equities 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
Peoples Financial Services
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

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
Peoples Financial Services$283.67M2.52$59.19M$8.838.10
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Peoples Financial Services pays an annual dividend of $2.50 per share and has a dividend yield of 3.5%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Peoples Financial Services pays out 28.3% 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. Peoples Financial Services has increased its dividend for 8 consecutive years and United Security Bancshares has increased its dividend for 2 consecutive years.

In the previous week, Peoples Financial Services had 8 more articles in the media than United Security Bancshares. MarketBeat recorded 8 mentions for Peoples Financial Services and 0 mentions for United Security Bancshares. Peoples Financial Services' average media sentiment score of 0.14 beat United Security Bancshares' score of 0.00 indicating that Peoples Financial Services is being referred to more favorably in the media.

Company Overall Sentiment
Peoples Financial Services Neutral
United Security Bancshares Neutral

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 Midland States Bancorp?

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

Midland States Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 3.8%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Midland States Bancorp pays out 82.1% 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. Midland States Bancorp has increased its dividend for 1 consecutive years and 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.

60.9% of Midland States Bancorp shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 8.6% of Midland States Bancorp 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 large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Midland States Bancorp$476.05M1.47-$124.28M$1.5621.64
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

In the previous week, Midland States Bancorp had 10 more articles in the media than United Security Bancshares. MarketBeat recorded 10 mentions for Midland States Bancorp and 0 mentions for United Security Bancshares. Midland States Bancorp's average media sentiment score of 0.75 beat United Security Bancshares' score of 0.00 indicating that Midland States Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Midland States Bancorp Positive
United Security Bancshares Neutral

Midland States Bancorp has a beta of 0.66, meaning that its share price is 34% 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.

United Security Bancshares has a net margin of 18.65% compared to Midland States Bancorp's net margin of 9.40%. Midland States Bancorp's return on equity of 13.32% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Midland States Bancorp9.40% 13.32% 0.92%
United Security Bancshares 18.65%9.03%1.01%

Midland States Bancorp currently has a consensus price target of $29.10, suggesting a potential downside of 13.80%. Given Midland States Bancorp's higher possible upside, equities research analysts plainly believe Midland States Bancorp is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Midland States Bancorp
0 Sell rating(s)
5 Hold rating(s)
0 Buy rating(s)
1 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

Summary

Midland States Bancorp and United Security Bancshares tied by winning 10 of the 20 factors compared between the two stocks.

How does United Security Bancshares compare to Velocity Financial?

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

97.5% of Velocity Financial shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 4.7% of Velocity Financial 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 company will outperform the market over the long term.

Velocity Financial 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.

In the previous week, Velocity Financial had 6 more articles in the media than United Security Bancshares. MarketBeat recorded 6 mentions for Velocity Financial and 0 mentions for United Security Bancshares. Velocity Financial's average media sentiment score of 1.50 beat United Security Bancshares' score of 0.00 indicating that Velocity Financial is being referred to more favorably in the media.

Company Overall Sentiment
Velocity Financial Very Positive
United Security Bancshares Neutral

Velocity Financial presently has a consensus target price of $22.75, suggesting a potential upside of 25.17%. Given Velocity Financial's higher possible upside, equities research analysts clearly believe Velocity Financial is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Velocity Financial
0 Sell rating(s)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

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
Velocity Financial$185.78M3.84$105.05M$2.806.49
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Velocity Financial has a net margin of 55.66% compared to United Security Bancshares' net margin of 18.65%. Velocity Financial's return on equity of 17.21% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
Velocity Financial55.66% 17.21% 1.58%
United Security Bancshares 18.65%9.03%1.01%

Summary

Velocity Financial beats United Security Bancshares on 13 of the 16 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, valuation, media sentiment, institutional ownership, earnings, profitability and dividends.

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 endowments, hedge funds and large money managers believe a company is poised for long-term growth.

In the previous week, Community West Bancshares had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 1 mentions for Community West Bancshares and 0 mentions for United Security Bancshares. Community West Bancshares' average media sentiment score of 0.50 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 Positive

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$196.20M3.51$38.17M$1.8513.72

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 11.35% 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%11.35%1.27%

Community West Bancshares has a consensus price target of $28.17, suggesting a potential upside of 10.94%. 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 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.

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 California BanCorp?

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

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 10.51% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
California BanCorp26.01% 10.51% 1.48%
United Security Bancshares 18.65%9.03%1.01%

California BanCorp has a beta of 0.92, meaning that its share price is 8% 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.

California BanCorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. California BanCorp pays out 21.7% 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.

55.4% of California BanCorp shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 8.1% of California BanCorp 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, endowments and large money managers believe a company will outperform the market over the long term.

In the previous week, California BanCorp had 8 more articles in the media than United Security Bancshares. MarketBeat recorded 8 mentions for California BanCorp and 0 mentions for United Security Bancshares. California BanCorp's average media sentiment score of 0.61 beat United Security Bancshares' score of 0.00 indicating that California BanCorp is being referred to more favorably in the media.

Company Overall Sentiment
California BanCorp Positive
United Security Bancshares Neutral

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
California BanCorp$237.07M2.90$63.06M$1.8411.61
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

California BanCorp presently has a consensus target price of $24.33, suggesting a potential upside of 13.87%. Given California BanCorp's stronger consensus rating and higher possible upside, research analysts plainly believe California BanCorp is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
California BanCorp
0 Sell rating(s)
0 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.20
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

Summary

California BanCorp beats United Security Bancshares on 15 of the 20 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$23.64B$14.04B$12.84B
Dividend Yield4.57%3.17%5.91%9.78%
P/E Ratio14.8028.1529.3625.42
Price / Sales3.399.83512.2495.36
Price / Cash12.3616.2939.3250.79
Price / Book1.321.383.756.06
Net Income$12.29M$2.58B$1.31B$348.34M
7 Day PerformanceN/A1.00%1.13%3.03%
1 Month PerformanceN/A2.80%0.48%-3.04%
1 Year Performance26.78%30.61%13.19%20.65%

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
PFIS
Peoples Financial Services
2.0751 of 5 stars
$71.70
-0.3%
$58.50
-18.4%
+50.6%$720.08M$283.67M7.83400
MSBI
Midland States Bancorp
2.4463 of 5 stars
$33.62
-1.4%
$29.10
-13.4%
+104.9%$706.89M$476.05M14.33970
VEL
Velocity Financial
3.165 of 5 stars
$17.67
-0.7%
$22.75
+28.7%
+6.4%$698.35M$185.78M5.87220
CWBC
Community West Bancshares
4.1591 of 5 stars
$25.25
-1.1%
$28.17
+11.6%
+36.5%$693.01M$196.20M11.45253

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This page (NASDAQ:UBFO) was last updated on 8/6/2026 by MarketBeat.com Staff.
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