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United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 10/9/2026

UBFO vs. WASH, VBNK, CWBC, TCBX, and AROW

Should you buy United Security Bancshares stock or one of its competitors? United Security Bancshares's main competitors and comparable companies include Washington Trust Bancorp (WASH), VersaBank (VBNK), Community West Bancshares (CWBC), Third Coast Bancshares (TCBX), and Arrow Financial (AROW). 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 Washington Trust Bancorp?

United Security Bancshares (NASDAQ:UBFO) and Washington Trust Bancorp (NASDAQ:WASH) 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, dividends, analyst recommendations, institutional ownership, valuation, risk, earnings and media sentiment.

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 65.8% of Washington Trust Bancorp shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by company insiders. Comparatively, 1.3% of Washington Trust Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

United Security Bancshares has a net margin of 18.65% compared to Washington Trust Bancorp's net margin of 14.50%. Washington Trust Bancorp's return on equity of 10.18% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Washington Trust Bancorp 14.50%10.18%0.84%

In the previous week, Washington Trust Bancorp had 4 more articles in the media than United Security Bancshares. MarketBeat recorded 4 mentions for Washington Trust Bancorp and 0 mentions for United Security Bancshares. Washington Trust Bancorp's average media sentiment score of 0.96 beat United Security Bancshares' score of 0.00 indicating that Washington Trust Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Washington Trust Bancorp Positive

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Washington Trust Bancorp pays an annual dividend of $2.24 per share and has a dividend yield of 6.0%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Washington Trust Bancorp pays out 77.8% 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 increased its dividend for 2 consecutive years.

United Security Bancshares has a beta of 0.34, indicating that its stock price is 66% less volatile than the broader market. Comparatively, Washington Trust Bancorp has a beta of 0.73, indicating that its stock price is 27% less volatile than the broader market.

Washington Trust Bancorp has higher revenue and earnings than United Security Bancshares. Washington Trust 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
Washington Trust Bancorp$393.95M1.79$52.24M$2.8812.87

Washington Trust Bancorp has a consensus target price of $35.50, indicating a potential downside of 4.24%. Given Washington Trust Bancorp's higher probable upside, analysts plainly believe Washington Trust 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
Washington Trust Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Summary

Washington Trust Bancorp 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 investment? We will compare the two businesses based on the strength of their media sentiment, risk, profitability, dividends, analyst recommendations, earnings, institutional ownership and valuation.

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$148.71M4.79$20.32M$0.7629.00

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 56.9% of VersaBank shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by company insiders. Comparatively, 5.3% of VersaBank shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

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.

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 9.2% 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 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.

In the previous week, VersaBank had 4 more articles in the media than United Security Bancshares. MarketBeat recorded 4 mentions for VersaBank and 0 mentions for United Security Bancshares. VersaBank's average media sentiment score of 1.57 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 Very Positive

VersaBank has a consensus price target of $24.00, suggesting a potential upside of 8.89%. 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)
1 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.75

United Security Bancshares has a net margin of 18.65% compared to VersaBank's net margin of 9.92%. 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 9.92%8.66%0.75%

Summary

VersaBank beats United Security Bancshares on 12 of the 19 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 stock? We will compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, media sentiment, earnings, profitability and institutional ownership.

United Security Bancshares has a beta of 0.34, suggesting that its stock price is 66% less volatile than the broader market. Comparatively, Community West Bancshares has a beta of 0.82, suggesting that its stock price is 18% less volatile than the broader market.

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 33.8% of Community West Bancshares shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by insiders. Comparatively, 9.0% of Community West Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Community West Bancshares has lower revenue, but higher 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$46.27M15.07$38.17M$1.8513.90

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 0.26 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 Neutral

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 9.56%. Given Community West Bancshares' higher possible upside, analysts clearly 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)
1 Strong Buy rating(s)
2.83

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%

Summary

Community West Bancshares beats United Security Bancshares on 13 of the 20 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 superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, earnings, risk and media sentiment.

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$234.99M2.92$47.67M$4.0110.31
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Third Coast Bancshares has a beta of 0.33, suggesting that its stock price is 67% 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, Third Coast Bancshares had 6 more articles in the media than United Security Bancshares. MarketBeat recorded 6 mentions for Third Coast Bancshares and 0 mentions for United Security Bancshares. Third Coast Bancshares' average media sentiment score of 0.79 beat United Security Bancshares' score of 0.00 indicating that Third Coast Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
Third Coast Bancshares Positive
United Security Bancshares Neutral

Third Coast Bancshares currently has a consensus price target of $47.60, suggesting a potential upside of 15.09%. Given Third Coast Bancshares' higher probable upside, 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)
3 Hold rating(s)
3 Buy rating(s)
1 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

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

Third Coast Bancshares pays an annual dividend of $16.87 per share and has a dividend yield of 40.8%. 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 420.7% 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 increased its dividend for 2 consecutive years.

Summary

Third Coast Bancshares beats United Security Bancshares on 12 of the 20 factors compared between the two stocks.

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

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%

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

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 46.7% of Arrow Financial shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by company insiders. Comparatively, 3.5% of Arrow Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

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 3.3%. 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 increased its dividend for 2 consecutive years and Arrow Financial has increased its dividend for 7 consecutive years.

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$242.58M2.78$43.95M$3.1011.74

In the previous week, Arrow Financial had 3 more articles in the media than United Security Bancshares. MarketBeat recorded 3 mentions for Arrow Financial and 0 mentions for United Security Bancshares. Arrow Financial's average media sentiment score of 1.00 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 Positive

Arrow Financial has a consensus target price of $41.63, indicating a potential upside of 14.42%. Given Arrow Financial's higher probable upside, analysts clearly 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)
3 Buy rating(s)
0 Strong Buy rating(s)
2.50

Summary

Arrow Financial 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$21.52B$13.07B$13.21B
Dividend Yield4.57%3.15%6.08%16.37%
P/E Ratio14.8025.6224.7426.16
Price / Sales3.398.99476.48107.50
Price / Cash12.3614.7345.1353.09
Price / Book1.321.322.716.33
Net Income$12.29M$2.60B$1.32B$382.15M
7 Day PerformanceN/A-1.17%-0.51%-1.40%
1 Month PerformanceN/A-3.27%-2.39%-3.47%
1 Year Performance22.07%21.84%10.29%1.18%

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
WASH
Washington Trust Bancorp
3.5796 of 5 stars
$37.99
+0.1%
$35.50
-6.6%
+38.3%$723.68M$393.95M13.19642
VBNK
VersaBank
4.0372 of 5 stars
$22.22
+0.2%
$24.00
+8.0%
+82.0%$716.69M$217.14M29.24131
CWBC
Community West Bancshares
4.3 of 5 stars
$26.04
-0.8%
$28.17
+8.2%
+25.5%$711.92M$196.20M14.08418
TCBX
Third Coast Bancshares
3.4173 of 5 stars
$42.27
-0.8%
$47.60
+12.6%
+8.3%$701.28M$234.99M12.93477

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This page (NASDAQ:UBFO) was last updated on 10/10/2026 by MarketBeat.com Staff.
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