United Security Bancshares (UBFO)vsU.S. Bancorp (USB)
UBFO
United Security Bancshares
$10.51
0.00%
FINANCIAL SERVICES · Cap: $185.03M
USB
U.S. Bancorp
$57.42
-0.92%
FINANCIAL SERVICES · Cap: $89.26B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 56485% more annual revenue ($27.32B vs $48.28M). USB leads profitability with a 29.9% profit margin vs 25.5%. USB trades at a lower P/E of 11.4x. USB earns a higher WallStSmart Score of 77/100 (B+).
UBFO
Buy63
out of 100
Grade: C+
USB
Strong Buy77
out of 100
Grade: B+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.2%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Attractively priced relative to earnings
15.8% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : UBFO
The strongest argument for UBFO centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 25.5% and operating margin at 39.2%. Revenue growth of 15.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : UBFO
The primary concerns for UBFO are Market Cap, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
UBFO profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
UBFO is growing revenue faster at 15.8% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (77/100 vs 63/100), backed by strong 29.9% margins and 10.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
United Security Bancshares
FINANCIAL SERVICES · BANKS - REGIONAL · USA
United Security Bancshares is the banking holding company for United Security Bank, a state-licensed bank that provides a variety of commercial banking services to the business and professional community and individuals in California. The company is headquartered in Fresno, California.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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