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United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 05/14/2026

UBFO vs. ORRF, SMBK, IBCP, VEL, and ALRS

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 Orrstown Financial Services (ORRF), SmartFinancial (SMBK), Independent Bank (IBCP), Velocity Financial (VEL), and Alerus Financial (ALRS). These companies are all part of the "banking" industry.

How does United Security Bancshares compare to Orrstown Financial Services?

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

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 44.3% of Orrstown Financial Services shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 4.3% of Orrstown Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Orrstown Financial Services has a net margin of 23.58% compared to United Security Bancshares' net margin of 18.65%. Orrstown Financial Services' return on equity of 14.75% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Orrstown Financial Services 23.58%14.75%1.55%

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

Orrstown Financial Services has higher revenue and earnings than United Security Bancshares. Orrstown 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
Orrstown Financial Services$356.05M1.97$80.86M$4.378.15

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Orrstown Financial Services pays an annual dividend of $1.20 per share and has a dividend yield of 3.4%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Orrstown Financial Services pays out 27.5% 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 Orrstown Financial Services has increased its dividend for 10 consecutive years.

In the previous week, Orrstown Financial Services had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 3 mentions for Orrstown Financial Services and 1 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 1.32 beat Orrstown Financial Services' score of 0.81 indicating that United Security Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Security Bancshares
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Orrstown Financial Services
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Orrstown Financial Services has a consensus target price of $41.67, indicating a potential upside of 16.99%. Given Orrstown Financial Services' higher possible upside, analysts clearly believe Orrstown 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
Orrstown Financial Services
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60

Summary

Orrstown Financial Services beats United Security Bancshares on 13 of the 19 factors compared between the two stocks.

How does United Security Bancshares compare to SmartFinancial?

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

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 58.8% of SmartFinancial shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by insiders. Comparatively, 6.9% of SmartFinancial shares are owned by 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 has a net margin of 18.65% compared to SmartFinancial's net margin of 12.67%. United Security Bancshares' return on equity of 9.03% beat SmartFinancial's return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
SmartFinancial 12.67%7.33%0.71%

United Security Bancshares has a beta of 0.34, suggesting that its share price is 66% less volatile than the broader market. Comparatively, SmartFinancial has a beta of 0.73, suggesting that its share price is 27% less volatile than the broader market.

SmartFinancial has higher revenue and earnings than United Security Bancshares. SmartFinancial 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
SmartFinancial$203.48M3.39$36.14M$3.1212.92

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. SmartFinancial pays an annual dividend of $0.36 per share and has a dividend yield of 0.9%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. SmartFinancial pays out 11.5% 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 SmartFinancial has increased its dividend for 3 consecutive years.

In the previous week, SmartFinancial had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for SmartFinancial and 1 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 1.32 beat SmartFinancial's score of 0.36 indicating that United Security Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Security Bancshares
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
SmartFinancial
0 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

SmartFinancial has a consensus target price of $45.88, indicating a potential upside of 13.78%. Given SmartFinancial's higher probable upside, analysts plainly believe SmartFinancial 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
SmartFinancial
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60

Summary

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

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

In the previous week, Independent Bank had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Independent Bank and 1 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 1.32 beat Independent Bank's score of 0.96 indicating that United Security Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Security Bancshares
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Independent Bank
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Independent Bank has a consensus target price of $37.00, indicating a potential upside of 12.47%. Given Independent Bank's higher probable upside, analysts plainly 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)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

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 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%. Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.4%. 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 increased its dividend for 2 consecutive years and Independent Bank has increased its dividend for 11 consecutive years.

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

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%

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$315.38M2.15$68.54M$3.359.82

Summary

Independent Bank beats United Security Bancshares on 12 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 better investment? We will contrast the two businesses based on the strength of their earnings, profitability, dividends, risk, valuation, analyst recommendations, media sentiment and institutional ownership.

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

Velocity Financial presently has a consensus target price of $23.25, indicating a potential upside of 37.78%. Given Velocity Financial's higher possible 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

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$185.78M3.57$105.05M$2.806.03
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

Velocity Financial has a beta of 0.76, indicating that its stock price is 24% 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.

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%

In the previous week, Velocity Financial and Velocity Financial both had 1 articles in the media. United Security Bancshares' average media sentiment score of 1.32 beat Velocity Financial's score of -0.76 indicating that United Security Bancshares is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Velocity Financial
0 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Negative
United Security Bancshares
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

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 Alerus Financial?

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

In the previous week, Alerus Financial had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Alerus Financial and 1 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 1.32 beat Alerus Financial's score of 1.05 indicating that United Security Bancshares is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
United Security Bancshares
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Alerus Financial
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

30.9% of United Security Bancshares shares are held by institutional investors. Comparatively, 51.3% of Alerus Financial shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by insiders. Comparatively, 4.3% of Alerus Financial 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.

United Security Bancshares has a net margin of 18.65% compared to Alerus Financial's net margin of 6.74%. Alerus Financial's return on equity of 14.39% beat United Security Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Alerus Financial 6.74%14.39%1.51%

Alerus Financial has a consensus target price of $28.38, suggesting a potential upside of 6.49%. Given Alerus Financial's higher probable upside, analysts plainly believe Alerus 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
Alerus Financial
0 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
2 Strong Buy rating(s)
2.71

Alerus Financial has higher revenue and earnings than United Security Bancshares. United Security Bancshares is trading at a lower price-to-earnings ratio than Alerus Financial, 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
Alerus Financial$399.92M1.67$17.44M$1.0325.87

United Security Bancshares has a beta of 0.34, suggesting that its stock price is 66% less volatile than the broader market. Comparatively, Alerus Financial has a beta of 0.67, suggesting that its stock price is 33% 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%. Alerus Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.2%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Alerus Financial pays out 81.6% 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 and Alerus Financial has raised its dividend for 25 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Alerus Financial beats United Security Bancshares on 12 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$2.22B$13.37B$12.28B
Dividend Yield4.57%3.21%5.84%5.35%
P/E Ratio14.8011.9123.0525.38
Price / Sales3.392.58175.8173.72
Price / Cash12.3611.2920.4556.33
Price / Book1.321.272.136.85
Net Income$12.29M$187.34M$1.11B$333.62M
7 Day PerformanceN/A-1.86%-1.30%-0.07%
1 Month PerformanceN/A0.78%-0.40%1.79%
1 Year Performance16.13%20.42%9.99%32.91%

United Security Bancshares Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
UBFO
United Security Bancshares
1.7457 of 5 stars
$10.51
flat
N/AN/A$181.36M$53.51M14.80120
ORRF
Orrstown Financial Services
4.2796 of 5 stars
$35.59
-1.5%
$42.00
+18.0%
+16.0%$698.88M$252.65M8.14430
SMBK
SmartFinancial
4.0602 of 5 stars
$40.31
-1.7%
$45.88
+13.8%
+28.1%$688.25M$203.48M18.81550
IBCP
Independent Bank
4.09 of 5 stars
$33.17
-1.1%
$37.00
+11.6%
+3.8%$683.63M$315.38M9.90920
VEL
Velocity Financial
3.46 of 5 stars
$17.35
-0.3%
$23.25
+34.0%
+4.2%$680.49M$326.57M6.19220

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This page (NASDAQ:UBFO) was last updated on 5/15/2026 by MarketBeat.com Staff.
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