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United Security Bancshares (UBFO) Competitors

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

UBFO vs. IBCP, CWBC, CARE, VBNK, and VEL

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 Independent Bank (IBCP), Community West Bancshares (CWBC), Carter Bankshares (CARE), VersaBank (VBNK), and Velocity Financial (VEL). These companies are all part of the "banking" industry.

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 business? We will compare the two companies based on the strength of their media sentiment, institutional ownership, valuation, risk, analyst recommendations, profitability, dividends and earnings.

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$315.38M2.38$68.54M$3.3510.86

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%

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 3.1%. 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 raised its dividend for 2 consecutive years and Independent Bank has raised its dividend for 11 consecutive years.

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 insiders. Comparatively, 5.9% of Independent Bank 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.

United Security Bancshares has a beta of 0.34, suggesting that its stock price is 66% less volatile than the broader market. Comparatively, Independent Bank has a beta of 0.71, suggesting that its stock price is 29% less volatile than the broader market.

In the previous week, Independent Bank had 3 more articles in the media than United Security Bancshares. MarketBeat recorded 3 mentions for Independent Bank and 0 mentions for United Security Bancshares. Independent Bank's average media sentiment score of 0.64 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 Positive

Independent Bank has a consensus target price of $38.33, indicating a potential upside of 5.41%. Given Independent Bank's higher probable upside, analysts clearly 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)
2 Buy rating(s)
0 Strong Buy rating(s)
2.50

Summary

Independent Bank beats United Security Bancshares on 14 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 superior investment? We will compare the two businesses based on the strength of their institutional ownership, dividends, risk, valuation, analyst recommendations, profitability, media sentiment and earnings.

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

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 0.8, suggesting that its stock price is 20% less volatile than the broader market.

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$196.20M3.74$38.17M$2.1612.52

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 hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Community West Bancshares has a consensus price target of $28.17, indicating a potential upside of 4.17%. 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)
0 Strong Buy rating(s)
2.60

Community West Bancshares has a net margin of 20.77% compared to United Security Bancshares' net margin of 18.65%. Community West Bancshares' return on equity of 10.44% 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 20.77%10.44%1.15%

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 1.8%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Community West Bancshares pays out 22.2% 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

Community West Bancshares beats United Security Bancshares on 14 of the 19 factors compared between the two stocks.

How does United Security Bancshares compare to Carter Bankshares?

Carter Bankshares (NASDAQ:CARE) 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 analyst recommendations, earnings, valuation, risk, institutional ownership, profitability, media sentiment and dividends.

41.5% of Carter Bankshares shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 2.4% of Carter Bankshares 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, hedge funds and endowments believe a stock is poised for long-term growth.

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
Carter Bankshares33.60% 7.51% 0.68%
United Security Bancshares 18.65%9.03%1.01%

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 media.

Company Overall Sentiment
Carter Bankshares Neutral
United Security Bancshares Neutral

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

Carter Bankshares has a beta of 0.51, indicating that its stock price is 49% 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.

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
Carter Bankshares$254.63M2.87$31M$4.876.75
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Carter Bankshares currently has a consensus target price of $28.50, indicating a potential downside of 13.35%. Given Carter Bankshares' higher probable upside, equities analysts clearly believe Carter Bankshares is more favorable than United Security Bancshares.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Carter Bankshares
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.20
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

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

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%

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 0.55 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 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 price target of $25.00, indicating a potential upside of 18.29%. Given VersaBank's higher possible upside, analysts clearly 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

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$217.14M3.13$20.32M$0.6930.63

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

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.

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 Velocity Financial?

Velocity Financial (NYSE:VEL) 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 institutional ownership, earnings, analyst recommendations, valuation, dividends, risk, profitability and media sentiment.

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

97.5% of Velocity Financial shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 4.7% of Velocity Financial 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 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
Velocity Financial56.47% 18.01% 1.66%
United Security Bancshares 18.65%9.03%1.01%

Velocity Financial presently has a consensus price target of $22.75, indicating a potential upside of 30.41%. Given Velocity Financial's higher probable upside, equities 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

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 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$185.78M3.69$105.05M$2.806.23
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Summary

Velocity Financial beats United Security Bancshares on 11 of the 15 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$2.53B$14.33B$12.28B
Dividend Yield4.57%2.96%5.68%8.87%
P/E Ratio14.8013.0220.6723.92
Price / Sales3.393.0844.25112.37
Price / Cash12.3612.4119.4459.89
Price / Book1.321.412.266.19
Net Income$12.29M$182.95M$1.14B$331.73M
7 Day PerformanceN/A1.85%0.29%-2.23%
1 Month PerformanceN/A5.64%2.03%-1.57%
1 Year Performance20.53%21.24%13.29%16.99%

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
IBCP
Independent Bank
4.3168 of 5 stars
$35.13
-1.8%
$37.00
+5.3%
+11.5%$723.89M$223.00M10.49920
CWBC
Community West Bancshares
3.8582 of 5 stars
$26.41
-2.3%
$28.17
+6.7%
+38.6%$716.50M$196.20M12.23253
CARE
Carter Bankshares
3.6011 of 5 stars
$31.58
-2.3%
$28.50
-9.8%
+84.4%$701.71M$254.63M6.48730
VBNK
VersaBank
4.2198 of 5 stars
$21.70
-0.1%
$25.00
+15.2%
+86.1%$698.74M$217.14M31.45100

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