United Security Bancshares's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of United Security Bancshares (UBFO) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: United Security Bancshares vs Its Competitors
- TTM: Trailing 12-month revenue of 36M vs 802,114M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-91.7% annualized vs trailing 12 months), vs decelerating (-4.3%) for its tracked peer group.
- Growth: United Security Bancshares generated -4.1% revenue growth year over year in Q4 2025, vs 9.6% for its tracked competitors combined.
- Profitability: Its 435.7% net margin compares with 23.9% for the peer group.
- Peer revenue share: United Security Bancshares accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.32M compares with $0.51M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
UBFO Sales vs. its Competitors, Q4 2025
United Security Bancshares reported revenue contraction of 4.13 % year on year in Q4 2025, below its competitors' combined revenue growth of 9.58 %.
With a net margin of 435.67 %, United Security Bancshares achieved higher profitability than its competitors (23.93 %).
United Security Bancshares generated 0.00 % of the combined sales of its peer group, up from 0.00 % a year earlier.
United Security Bancshares vs. its Competitors, Q4 2025
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across United Security Bancshares and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| United Security Bancshares | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across United Security Bancshares's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue 44.1% year over year, combined, vs -4.1% for United Security Bancshares. United Security Bancshares's share of combined industry revenue moved from 0.00% to 0.00%, a gain of 0.00 percentage points.
United Security Bancshares's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| United Security Bancshares | Yes | No | No | Yes |
| Competitors combined (160) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
UBFO Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
| 5 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for United Security Bancshares's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
United Security Bancshares's Comment on Competition and Industry Peers
Publicly Traded Peers of United Security Bancshares
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| United Security Bancshares | 183.91 | 35.95 |
| Jpmorgan Chase and Co | 902,503.12 | 186,328.00 |
| Bank Of America Corporation | 400,889.23 | 121,098.00 |
| Wells Fargo and Company | 247,505.30 | 83,940.00 |
| Citigroup inc | 232,300.80 | 88,262.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| SUBTOTAL | 2,668,326.65 | 806,298.51 |
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Sources: United Security Bancshares's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on United Security Bancshares versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
United Security Bancshares's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
| Lionsgate Studios Corp | Motion Picture 61.44 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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United Security Bancshares's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| United Security Bancshares | 184 | 318,150 | 107,177 |
| Jpmorgan Chase and Co | 902,503 | 584,995 | 200,752 |
| Bank Of America Corporation | 400,889 | 568,535 | 158,005 |
| Wells Fargo and Company | 247,505 | 351,213 | 95,100 |
| Citigroup inc | 232,301 | 390,540 | 72,049 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| PEERS TOTAL | 2,668,143 | 506,761 | 131,645 |
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United Security Bancshares's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
United Security Bancshares's Position in Industry Market Structure
Market-capitalization share and concentration across all 81 companies in United Security Bancshares's industry classification, broader than the peer set above. Market cap in millions of $.United Security Bancshares ranks #0 of 81 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,897, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 902,503 | 36.99 % |
| 2 | Bank Of America Corporation | 400,889 | 16.43 % |
| 3 | Wells Fargo and Company | 247,505 | 10.14 % |
| 4 | Citigroup inc | 232,301 | 9.52 % |
| 5 | Capital one financial corp | 1,234 | 5.2% |
| 6 | Us Bancorp De | 1,234 | 5.2% |
| 7 | Pnc Financial Services Group Inc | 1,234 | 5.2% |
| 8 | Truist Financial Corporation | 1,234 | 5.2% |
| 9 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 10 | Mizuho Financial Group Inc | 1,234 | 5.2% |
| 0 | United Security Bancshares | 184 | 0.00 % |
Market cap and industry share for the rest of United Security Bancshares's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-04-01.
United Security Bancshares's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (46 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 65.76 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 76.47 % | 50.98 % (avg) | +25.5 pp |
| Capital Intensity (Capex / Revenue) | 6.34 % | 1.97 % (avg) | +4.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
United Security Bancshares's Valuation vs Competitive Position
Valuation multiples vs the Commercial Banks industry average (46 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Commercial Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 14.4x | 15.4x | -1.0x |
| EV / EBITDA | 4.2x | 6.3x | -2.1x |
| P/B | 1.3x | 1.3x | +0.0x |
| Return on Equity | 8.90 % | industry aggregate | -1.75 % |
| Return on Invested Capital | - | 3.36 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
United Security Bancshares's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2020 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 8.84 % | 13.53 % | 5.63 % | -25.47 % | 43.31 % | 62.67 % | -27.63 % | -7.02 % |
| Operating Margin | 44.19 % | 48.04 % | 49.99 % | 32.25 % | 50.13 % | 51.42 % | - | - |
| Return on Invested Capital | 7.48 % | 8.69 % | 8.82 % | 4.26 % | 1.64 % | 2.00 % | - | - |
| P/E | 20.5x | 12.2x | 11.5x | 15.6x | 7.4x | 6.9x | 11.5x | 14.4x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
United Security Bancshares's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,897 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 6.34 % vs industry average 1.97 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See United Security Bancshares's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See United Security Bancshares's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
United Security Bancshares's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
United Security Bancshares falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
United Security Bancshares's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Latest-quarter revenue run-rate is decelerating (-91.7% annualized vs trailing 12 months).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 13.0% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 36.99 % of industry market cap.
- Tracked peer group's revenue run-rate is broadly decelerating (-4.3% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
United Security Bancshares's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| United Security Bancshares | 0.09 | 1.38 | 0.07 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
United Security Bancshares's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| United Security Bancshares | Q4 2025 | -4.1 % | +35.4 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +24.8 % | +48.7 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
United Security Bancshares's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| United Security Bancshares | Q4 2025 | -91.5 % | +278.1 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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United Security Bancshares's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| United Security Bancshares | 0.99% | 2.88% | 8.90% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
United Security Bancshares's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| United Security Bancshares | 15.01 | 5.12 |
| Jpmorgan Chase and Co | 14.10 | 4.84 |
| Bank Of America Corporation | 12.66 | 3.31 |
| Wells Fargo and Company | 11.77 | 2.95 |
| Citigroup inc | 16.27 | 2.63 |
| Capital one financial corp | 11.69 | 2.39 |
| PEERS AVERAGE | 12.74 | 3.31 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.