United Security Bancshares (UBFO) Competitors $8.74 -0.02 (-0.17%) As of 10:18 AM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Competitors Stock AnalysisChartCompetitorsDividendEarningsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestTrendsBuy This Stock UBFO vs. XYF, JFIN, ORRF, SPFI, QD, YRD, MPB, SMBK, HKD, and CBNKShould you be buying United Security Bancshares stock or one of its competitors? The main competitors of United Security Bancshares include X Financial (XYF), Jiayin Group (JFIN), Orrstown Financial Services (ORRF), South Plains Financial (SPFI), Qudian (QD), Yiren Digital (YRD), Mid Penn Bancorp (MPB), SmartFinancial (SMBK), AMTD Digital (HKD), and Capital Bancorp (CBNK). These companies are all part of the "banking" industry. United Security Bancshares vs. X Financial Jiayin Group Orrstown Financial Services South Plains Financial Qudian Yiren Digital Mid Penn Bancorp SmartFinancial AMTD Digital Capital Bancorp X Financial (NYSE:XYF) and United Security Bancshares (NASDAQ:UBFO) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, earnings, media sentiment, institutional ownership and community ranking. Which has higher valuation and earnings, XYF or UBFO? X Financial has higher revenue and earnings than United Security Bancshares. X 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 RatioX Financial$2.56B0.27$167.16M$4.353.24United Security Bancshares$52.46M2.91$14.78M$0.7811.21 Does the media refer more to XYF or UBFO? In the previous week, United Security Bancshares had 1 more articles in the media than X Financial. MarketBeat recorded 3 mentions for United Security Bancshares and 2 mentions for X Financial. United Security Bancshares' average media sentiment score of 1.75 beat X Financial'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 X Financial 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 3 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive Do institutionals and insiders have more ownership in XYF or UBFO? 1.1% of X Financial shares are owned by institutional investors. Comparatively, 30.9% of United Security Bancshares shares are owned by institutional investors. 31.6% of X 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 endowments, hedge funds and large money managers believe a company will outperform the market over the long term. Does the MarketBeat Community prefer XYF or UBFO? X Financial received 41 more outperform votes than United Security Bancshares when rated by MarketBeat users. Likewise, 58.11% of users gave X Financial an outperform vote while only 41.51% of users gave United Security Bancshares an outperform vote. CompanyUnderperformOutperformX FinancialOutperform Votes12958.11% Underperform Votes9341.89% United Security BancsharesOutperform Votes8841.51% Underperform Votes12458.49% Is XYF or UBFO more profitable? X Financial has a net margin of 25.03% compared to United Security Bancshares' net margin of 22.58%. X Financial's return on equity of 20.66% beat United Security Bancshares' return on equity.Company Net Margins Return on Equity Return on Assets X Financial25.03% 20.66% 11.17% United Security Bancshares 22.58%11.54%1.20% Is XYF or UBFO a better dividend stock? X Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.3%. United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 5.5%. X Financial pays out 7.4% of its earnings in the form of a dividend. United Security Bancshares pays out 61.5% 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. Which has more risk & volatility, XYF or UBFO? X Financial has a beta of -0.1, meaning that its stock price is 110% less volatile than the S&P 500. Comparatively, United Security Bancshares has a beta of 0.37, meaning that its stock price is 63% less volatile than the S&P 500. SummaryX Financial beats United Security Bancshares on 10 of the 17 factors compared between the two stocks. 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$152.83M$21.69B$11.10B$7.70BDividend Yield6.05%3.78%5.91%4.32%P/E Ratio10.1712.2022.0018.22Price / Sales2.912.7025.83105.44Price / Cash7.7711.1617.6034.62Price / Book1.221.142.614.18Net Income$14.78M$2.17B$1.04B$247.50M7 Day Performance10.28%3.21%2.23%5.92%1 Month Performance-2.73%-2.67%-2.23%-3.62%1 Year Performance18.18%16.76%536.59%4.75% United Security Bancshares Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)UBFOUnited Security Bancshares2.3483 of 5 stars$8.75-0.2%N/A+17.0%$152.83M$52.46M10.17120Positive NewsXYFX Financial1.4797 of 5 stars$11.20-4.6%N/A+276.7%$547.97M$2.56B2.96420News CoverageJFINJiayin Group2.4604 of 5 stars$10.03-3.7%N/A+79.4%$538.46M$5.80B3.34710ORRFOrrstown Financial Services4.6867 of 5 stars$26.80-0.6%$38.80+44.8%+9.7%$522.73M$190.41M14.57430Earnings ReportDividend AnnouncementAnalyst ForecastHigh Trading VolumeSPFISouth Plains Financial4.5421 of 5 stars$31.88-1.0%$42.67+33.8%+24.4%$517.60M$189.30M10.92680Earnings ReportDividend AnnouncementNews CoverageQDQudian1.1206 of 5 stars$2.47-2.0%N/A+7.7%$495.48M$216.43M61.75940Positive NewsYRDYiren Digital2.7489 of 5 stars$5.64-1.1%N/A+30.1%$494.79M$5.81B1.943,800MPBMid Penn Bancorp4.296 of 5 stars$25.17-0.9%$36.00+43.0%+39.0%$487.19M$176.80M8.68620Earnings ReportDividend AnnouncementNews CoveragePositive NewsGap UpSMBKSmartFinancial3.2875 of 5 stars$28.35-1.8%$30.70+8.3%+44.1%$482.46M$171.50M13.25550Dividend AnnouncementAnalyst ForecastNews CoverageHKDAMTD Digital0.5538 of 5 stars$1.88-3.1%N/A-34.7%$463.12M$23.45M0.0050Gap DownCBNKCapital Bancorp4.7136 of 5 stars$27.26-1.3%$34.50+26.6%+45.7%$454.07M$183.73M12.80270Upcoming EarningsPositive News Related Companies and Tools Related Companies XYF Alternatives JFIN Alternatives ORRF Alternatives SPFI Alternatives QD Alternatives YRD Alternatives MPB Alternatives SMBK Alternatives HKD Alternatives CBNK 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 4/25/2025 by MarketBeat.com Staff From Our PartnersElon Set to Shock the World by May 1st ?Tech legend Jeff Brown recently traveled to the industrial zone of South Memphis to investigate what he believ...Brownstone Research | Sponsored[Action Required] Claim Your FREE IRS Loophole GuideThis shouldn't surprise anyone who's been paying attention, but... 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