United Security Bancshares (UBFO) Competitors $7.96 -0.42 (-5.01%) Closing price 04:00 PM EasternExtended Trading$8.00 +0.04 (+0.50%) As of 05:14 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock UBFO vs. YRD, FSBC, ORRF, SPFI, QD, SMBK, MPB, NPB, CBNK, and ALRSShould you be buying United Security Bancshares stock or one of its competitors? The main competitors of United Security Bancshares include Yiren Digital (YRD), Five Star Bancorp (FSBC), Orrstown Financial Services (ORRF), South Plains Financial (SPFI), Qudian (QD), SmartFinancial (SMBK), Mid Penn Bancorp (MPB), Northpointe Bancshares (NPB), Capital Bancorp (CBNK), and Alerus Financial (ALRS). These companies are all part of the "banking" industry. United Security Bancshares vs. Yiren Digital Five Star Bancorp Orrstown Financial Services South Plains Financial Qudian SmartFinancial Mid Penn Bancorp Northpointe Bancshares Capital Bancorp Alerus Financial Yiren Digital (NYSE:YRD) and United Security Bancshares (NASDAQ:UBFO) are both small-cap computer and technology companies, but which is the better business? We will compare the two companies based on the strength of their community ranking, risk, valuation, analyst recommendations, institutional ownership, profitability, media sentiment, dividends and earnings. Does the MarketBeat Community prefer YRD or UBFO? Yiren Digital received 242 more outperform votes than United Security Bancshares when rated by MarketBeat users. Likewise, 70.21% of users gave Yiren Digital an outperform vote while only 41.51% of users gave United Security Bancshares an outperform vote. CompanyUnderperformOutperformYiren DigitalOutperform Votes33070.21% Underperform Votes14029.79% United Security BancsharesOutperform Votes8841.51% Underperform Votes12458.49% Is YRD or UBFO more profitable? Yiren Digital has a net margin of 32.37% compared to United Security Bancshares' net margin of 22.58%. Yiren Digital's return on equity of 20.85% beat United Security Bancshares' return on equity.Company Net Margins Return on Equity Return on Assets Yiren Digital32.37% 20.85% 16.00% United Security Bancshares 22.58%11.54%1.20% Which has more risk and volatility, YRD or UBFO? Yiren Digital has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.54, suggesting that its stock price is 46% less volatile than the S&P 500. Is YRD or UBFO a better dividend stock? Yiren Digital pays an annual dividend of $0.40 per share and has a dividend yield of 5.7%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 5.7%. Yiren Digital pays out 15.9% of its earnings in the form of a dividend. United Security Bancshares pays out 55.8% 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. Which has preferable valuation and earnings, YRD or UBFO? Yiren Digital has higher revenue and earnings than United Security Bancshares. Yiren Digital 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 RatioYiren Digital$5.81B0.11$292.99M$2.512.79United Security Bancshares$51.56M2.80$14.78M$0.869.74 Does the media favor YRD or UBFO? In the previous week, Yiren Digital had 1 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Yiren Digital and 1 mentions for United Security Bancshares. United Security Bancshares' average media sentiment score of 0.68 beat Yiren Digital's score of 0.00 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 Yiren Digital 0 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral United Security Bancshares 0 Very Positive mention(s) 1 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Do insiders & institutionals have more ownership in YRD or UBFO? 2.0% of Yiren Digital shares are held by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are held by institutional investors. 42.2% of Yiren Digital shares are held by company insiders. Comparatively, 20.1% of United Security Bancshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth. SummaryYiren Digital beats United Security Bancshares on 12 of the 17 factors compared between the two stocks. Remove Ads 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. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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 Export to ExcelMetricUnited Security BancsharesNational commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$144.61M$20.75B$11.03B$7.50BDividend Yield5.29%3.50%5.42%4.05%P/E Ratio9.7411.6621.9818.08Price / Sales2.802.6825.1986.83Price / Cash7.7711.1617.6234.64Price / Book1.171.092.663.99Net Income$14.78M$2.17B$1.03B$247.18M7 Day Performance-7.61%-5.20%-2.53%-4.25%1 Month Performance-10.95%-7.44%496.67%-6.87%1 Year Performance11.58%11.46%533.48%-3.73% United Security Bancshares Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UBFOUnited Security Bancshares1.6076 of 5 stars$7.96-5.0%N/A+17.4%$137.36M$51.56M9.26120Gap DownHigh Trading VolumeYRDYiren Digital2.2898 of 5 stars$6.89-5.5%N/A+49.6%$604.10M$5.81B2.373,800Gap DownFSBCFive Star Bancorp4.4957 of 5 stars$27.80+0.1%$36.38+30.8%+18.1%$592.95M$124.96M12.19180Analyst RevisionNews CoverageORRFOrrstown Financial Services4.7029 of 5 stars$30.01+0.0%$39.75+32.5%+5.1%$581.77M$192.69M16.31430Positive NewsSPFISouth Plains Financial4.5327 of 5 stars$33.12+0.1%$42.67+28.8%+23.8%$546.02M$189.30M11.34680High Trading VolumeQDQudian1.4793 of 5 stars$2.71+2.9%N/A+6.3%$542.63M$216.43M67.63940Short Interest ↓SMBKSmartFinancial3.7408 of 5 stars$31.04-0.5%$30.70-1.1%+39.5%$528.24M$171.50M14.50550Positive NewsMPBMid Penn Bancorp4.1815 of 5 stars$25.91+0.9%$36.00+38.9%+21.3%$501.51M$176.80M8.93620News CoverageGap DownNPBNorthpointe BancsharesN/A$14.44-0.8%$17.25+19.5%N/A$495.44M$174.53M0.00541Gap DownCBNKCapital Bancorp4.8604 of 5 stars$28.33+0.9%$32.33+14.1%+30.0%$471.81M$183.73M13.30270News CoveragePositive NewsGap DownHigh Trading VolumeALRSAlerus Financial4.8097 of 5 stars$18.46+0.9%$23.40+26.8%-18.5%$470.93M$215.87M18.10840Positive NewsGap Down Remove Ads Related Companies and Tools Related Companies YRD Alternatives FSBC Alternatives ORRF Alternatives SPFI Alternatives QD Alternatives SMBK Alternatives MPB Alternatives NPB Alternatives CBNK Alternatives ALRS Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:UBFO) was last updated on 4/4/2025 by MarketBeat.com Staff From Our PartnersURGENT: Someone's Moving Gold Out of London...People who don’t understand the gold market are about to lose a lot of money. 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