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United Security Bancshares (UBFO) Competitors

United Security Bancshares logo
$10.51 0.00 (0.00%)
As of 08/6/2026
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UBFO vs. PFIS, MSBI, CWBC, BCAL, and AROW

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), Community West Bancshares (CWBC), California BanCorp (BCAL), and Arrow Financial (AROW). These companies are all part of the "regional banks" industry.

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

Peoples Financial Services has a consensus target price of $65.50, suggesting a potential downside of 7.30%. Given Peoples Financial Services' higher possible 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

United Security Bancshares has a beta of 0.34, suggesting that its share price is 66% less volatile than the broader market. Comparatively, Peoples Financial Services has a beta of 0.75, suggesting that its share price is 25% 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%. Peoples Financial Services pays an annual dividend of $2.50 per share and has a dividend yield of 3.5%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Peoples Financial Services pays out 28.3% 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.

In the previous week, Peoples Financial Services had 6 more articles in the media than United Security Bancshares. MarketBeat recorded 6 mentions for Peoples Financial Services and 0 mentions for United Security Bancshares. Peoples Financial Services' average media sentiment score of 0.19 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 Neutral

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 insiders. Comparatively, 8.2% of Peoples Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

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$283.67M2.49$59.19M$8.838.00

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
United Security Bancshares18.65% 9.03% 1.01%
Peoples Financial Services 20.66%17.42%1.71%

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?

United Security Bancshares (NASDAQ:UBFO) and Midland States Bancorp (NASDAQ:MSBI) 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, dividends, valuation, risk, earnings, profitability, media sentiment and institutional ownership.

United Security Bancshares has a beta of 0.34, indicating that its stock price is 66% less volatile than the broader market. Comparatively, Midland States Bancorp has a beta of 0.66, indicating that its stock price is 34% less volatile than the broader market.

In the previous week, Midland States Bancorp had 11 more articles in the media than United Security Bancshares. MarketBeat recorded 11 mentions for Midland States Bancorp and 0 mentions for United Security Bancshares. Midland States Bancorp's average media sentiment score of 0.90 beat United Security Bancshares' score of 0.00 indicating that Midland States Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Midland States Bancorp Positive

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Midland States Bancorp pays an annual dividend of $1.28 per share and has a dividend yield of 3.8%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. 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 has increased its dividend for 2 consecutive years and Midland States Bancorp has increased its dividend for 1 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Midland States Bancorp has a consensus target price of $29.10, suggesting a potential downside of 13.11%. Given Midland States Bancorp's higher possible upside, analysts clearly believe Midland States 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
Midland States Bancorp
0 Sell rating(s)
5 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.33

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 60.9% of Midland States Bancorp shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 8.6% of Midland States Bancorp shares are owned 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 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
United Security Bancshares18.65% 9.03% 1.01%
Midland States Bancorp 9.40%13.32%0.92%

United Security Bancshares has higher earnings, but lower revenue 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
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Midland States Bancorp$476.05M1.46-$124.28M$1.5621.47

Summary

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

How does United Security Bancshares compare to Community West Bancshares?

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

Community West Bancshares pays an annual dividend of $0.48 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%. Community West Bancshares pays out 25.9% 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 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 currently has a consensus price target of $28.17, indicating a potential upside of 11.77%. Given Community West Bancshares' higher possible upside, equities research 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
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
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00

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 1.00 beat United Security Bancshares' score of 0.00 indicating that Community West Bancshares is being referred to more favorably in the media.

Company Overall Sentiment
Community West Bancshares Positive
United Security Bancshares Neutral

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
Community West Bancshares16.86% 11.35% 1.27%
United Security Bancshares 18.65%9.03%1.01%

Community West Bancshares has a beta of 0.8, suggesting that its stock price is 20% 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.

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
Community West Bancshares$196.20M3.48$38.17M$1.8513.62
United Security Bancshares$53.51M3.39$12.29M$0.7114.80

33.8% of Community West Bancshares shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 9.0% of Community West Bancshares 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, large money managers and endowments believe a stock is poised for long-term 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?

United Security Bancshares (NASDAQ:UBFO) and California BanCorp (NASDAQ:BCAL) 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 pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. California BanCorp pays an annual dividend of $0.40 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. California BanCorp pays out 21.7% 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. United Security Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

United Security Bancshares has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market. Comparatively, California BanCorp has a beta of 0.92, meaning that its share price is 8% less volatile than the broader market.

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
United Security Bancshares18.65% 9.03% 1.01%
California BanCorp 26.01%10.51%1.48%

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
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
California BanCorp$237.07M2.88$63.06M$1.8411.55

California BanCorp has a consensus target price of $24.33, indicating a potential upside of 14.51%. Given California BanCorp's stronger consensus rating and higher probable upside, analysts clearly believe California 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
California BanCorp
0 Sell rating(s)
0 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.20

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 0.54 beat United Security Bancshares' score of 0.00 indicating that California BanCorp is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
California BanCorp Positive

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 55.4% of California BanCorp shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Comparatively, 8.1% of California BanCorp 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.

Summary

California BanCorp beats United Security Bancshares on 15 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 investment? We will contrast the two businesses based on the strength of their risk, institutional ownership, analyst recommendations, media sentiment, earnings, profitability, valuation and dividends.

United Security Bancshares has a beta of 0.34, meaning that its share price is 66% less volatile than the broader market. Comparatively, Arrow Financial has a beta of 0.76, meaning that its share price is 24% 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%. Arrow Financial pays an annual dividend of $1.20 per share and has a dividend yield of 3.0%. 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 a consensus target price of $40.83, suggesting a potential upside of 3.64%. 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)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

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 12.25% 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%12.25%1.17%

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 1.33 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

30.9% of United Security Bancshares shares are owned by institutional investors. Comparatively, 46.7% of Arrow Financial shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by insiders. Comparatively, 3.5% of Arrow Financial shares are owned by 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.

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$175.20M3.72$43.95M$3.1012.71

Summary

Arrow Financial beats United Security Bancshares on 15 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

Export
MetricUnited Security BancsharesBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$181.36M$23.60B$14.06B$12.86B
Dividend Yield4.57%3.18%5.91%10.09%
P/E Ratio14.8028.0729.1525.05
Price / Sales3.399.51510.2088.13
Price / Cash12.3616.2338.9649.72
Price / Book1.321.383.706.21
Net Income$12.29M$2.57B$1.31B$342.45M
7 Day PerformanceN/A0.76%1.30%4.33%
1 Month PerformanceN/A3.12%1.04%-1.02%
1 Year Performance22.35%30.50%13.35%22.54%

United Security Bancshares Competitors List

Export
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
2.0831 of 5 stars		$71.51
-0.7%		$65.50
-8.4%		+50.8%$720.58M$283.67M8.10400
MSBI
Midland States Bancorp
2.6715 of 5 stars		$34.24
-0.8%		$29.10
-15.0%		+96.7%$716.57M$476.05M21.95970
CWBC
Community West Bancshares
4.3829 of 5 stars		$25.79
-0.1%		$28.17
+9.2%		+35.5%$700.33M$196.20M13.94253
BCAL
California BanCorp
4.4757 of 5 stars		$21.41
-0.7%		$24.33
+13.7%		+40.1%$693.79M$237.07M11.64204

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This page (NASDAQ:UBFO) was last updated on 8/7/2026 by MarketBeat.com Staff.
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