Go Pro

United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 07/16/2026

UBFO vs. CARE, VBNK, PFIS, VEL, and TCBX

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), VersaBank (VBNK), Peoples Financial Services (PFIS), Velocity Financial (VEL), and Third Coast Bancshares (TCBX). 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 superior stock? We will compare the two businesses based on the strength of their media sentiment, earnings, analyst recommendations, institutional ownership, dividends, risk, valuation and profitability.

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%

United Security Bancshares has a beta of 0.34, indicating that its stock price is 66% less volatile than the broader market. Comparatively, Carter Bankshares has a beta of 0.51, indicating that its stock price is 49% less volatile than the broader market.

In the previous week, Carter Bankshares had 6 more articles in the media than United Security Bancshares. MarketBeat recorded 6 mentions for Carter Bankshares and 0 mentions for United Security Bancshares. Carter Bankshares' average media sentiment score of 0.45 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 Neutral

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

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$254.63M2.91$31M$4.876.85

Carter Bankshares has a consensus target price of $28.50, indicating a potential downside of 14.54%. Given Carter Bankshares' higher possible 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)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20

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 10 of the 18 factors compared between the two stocks.

How does United Security Bancshares compare to VersaBank?

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

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 56.9% of VersaBank shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 5.3% of VersaBank 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.

In the previous week, VersaBank had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for VersaBank and 0 mentions for United Security Bancshares. VersaBank's average media sentiment score of 1.34 beat United Security Bancshares' score of 0.00 indicating that VersaBank is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
VersaBank Positive

United Security Bancshares has a net margin of 18.65% compared to VersaBank's net margin of 9.34%. United Security Bancshares' return on equity of 9.03% beat VersaBank's return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
VersaBank 9.34%8.32%0.75%

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. VersaBank pays an annual dividend of $0.07 per share and has a dividend yield of 0.3%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. VersaBank pays out 10.1% 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.

VersaBank has a consensus target price of $25.00, suggesting a potential upside of 18.20%. Given VersaBank's higher probable upside, analysts plainly believe VersaBank 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
VersaBank
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

United Security Bancshares has a beta of 0.34, suggesting that its share price is 66% less volatile than the broader market. Comparatively, VersaBank has a beta of 1.04, suggesting that its share price is 4% more volatile than the broader market.

VersaBank has higher revenue and earnings than United Security Bancshares. United Security Bancshares is trading at a lower price-to-earnings ratio than VersaBank, 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
VersaBank$217.14M3.14$20.32M$0.6930.65

Summary

United Security Bancshares and VersaBank tied by winning 9 of the 18 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 superior investment? We will contrast the two companies based on the strength of their media sentiment, profitability, dividends, institutional ownership, earnings, analyst recommendations, valuation and risk.

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 31.7% of Peoples Financial Services shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 8.2% of Peoples Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Peoples Financial Services has a net margin of 21.29% compared to United Security Bancshares' net margin of 18.65%. Peoples Financial Services' return on equity of 18.06% 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 21.29%18.06%1.76%

Peoples Financial Services has a consensus target price of $58.50, indicating a potential downside of 14.88%. Given Peoples Financial Services' higher probable upside, analysts clearly 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 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$283.67M2.43$59.19M$9.037.61

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 27.7% 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 Peoples Financial Services has raised its dividend for 8 consecutive years.

United Security Bancshares has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market. Comparatively, Peoples Financial Services has a beta of 0.76, meaning that its share price is 24% less volatile than the broader market.

In the previous week, Peoples Financial Services had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Peoples Financial Services and 0 mentions for United Security Bancshares. Peoples Financial Services' average media sentiment score of 0.94 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

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 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 contrast the two businesses based on the strength of their media sentiment, analyst recommendations, institutional ownership, earnings, valuation, profitability, risk and dividends.

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
Velocity Financial56.47% 18.01% 1.66%
United Security Bancshares 18.65%9.03%1.01%

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 stock is poised for long-term growth.

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.

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$185.78M3.70$105.05M$2.806.25
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

In the previous week, United Security Bancshares' average media sentiment score of 0.00 beat Velocity Financial's score of -0.35 indicating that United Security Bancshares is being referred to more favorably in the news media.

Company Overall Sentiment
Velocity Financial Neutral
United Security Bancshares Neutral

Velocity Financial presently has a consensus price target of $22.75, suggesting a potential upside of 30.04%. Given Velocity Financial's higher probable 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
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

Summary

Velocity Financial beats United Security Bancshares on 11 of the 15 factors compared between the two stocks.

How does United Security Bancshares compare to Third Coast Bancshares?

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

United Security Bancshares has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market. Comparatively, Third Coast Bancshares has a beta of 0.33, meaning that its share price is 67% less volatile than the broader market.

In the previous week, Third Coast Bancshares had 3 more articles in the media than United Security Bancshares. MarketBeat recorded 3 mentions for Third Coast Bancshares and 0 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 0.00 equaled Third Coast Bancshares'average media sentiment score.

Company Overall Sentiment
United Security Bancshares Neutral
Third Coast Bancshares Neutral

Third Coast Bancshares has a consensus target price of $45.00, indicating a potential upside of 10.73%. Given Third Coast Bancshares' higher probable upside, analysts clearly believe Third Coast 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
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 pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Third Coast Bancshares pays an annual dividend of $16.87 per share and has a dividend yield of 41.5%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. 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 has raised its dividend for 2 consecutive years.

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 36.9% of Third Coast Bancshares shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 10.5% of Third Coast Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

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
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Third Coast Bancshares$219.24M3.08$47.67M$3.8910.45

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
United Security Bancshares18.65% 9.03% 1.01%
Third Coast Bancshares 16.30%12.05%1.17%

Summary

Third Coast Bancshares beats United Security Bancshares on 10 of the 18 factors compared between the two stocks.

Get United Security Bancshares News Delivered to You Automatically

Sign up to receive the latest news and ratings for UBFO and its competitors with MarketBeat's FREE daily newsletter.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

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.
Skip Chart

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.
Skip Chart

UBFO vs. The Competition

MetricUnited Security BancsharesBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$181.36M$2.54B$14.32B$12.27B
Dividend Yield4.57%2.96%5.68%8.87%
P/E Ratio14.8013.0520.6623.92
Price / Sales3.393.0944.26113.18
Price / Cash12.3612.4119.4459.89
Price / Book1.321.422.266.18
Net Income$12.29M$182.95M$1.14B$331.73M
7 Day PerformanceN/A2.04%0.36%-2.29%
1 Month PerformanceN/A5.83%2.10%-1.62%
1 Year Performance20.53%21.46%13.29%16.86%

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
3.6011 of 5 stars
$32.26
+0.9%
$28.50
-11.7%
+84.4%$710.44M$218.89M6.62730
VBNK
VersaBank
4.2198 of 5 stars
$21.26
-0.1%
$25.00
+17.6%
+86.1%$684.57M$217.14M30.81100
PFIS
Peoples Financial Services
2.5203 of 5 stars
$67.74
+1.6%
$58.50
-13.6%
+35.8%$678.15M$192.40M7.50400
VEL
Velocity Financial
2.957 of 5 stars
$17.24
-1.0%
$22.75
+32.0%
-0.6%$676.76M$185.78M6.16220

Related Companies and Tools


This page (NASDAQ:UBFO) was last updated on 7/17/2026 by MarketBeat.com Staff.
From Our Partners