BFIN
Price
$12.28
Change
-$0.09 (-0.73%)
Updated
Oct 6 closing price
Capitalization
153.02M
20 days until earnings call
UBFO
Price
$9.27
Change
+$0.10 (+1.09%)
Updated
Oct 6 closing price
Capitalization
162.01M
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BFIN vs UBFO

Header iconBFIN vs UBFO Comparison
Open Charts BFIN vs UBFOBanner chart's image
BankFinancial
Price$12.28
Change-$0.09 (-0.73%)
Volume$59.54K
Capitalization153.02M
United Security Bancshares
Price$9.27
Change+$0.10 (+1.09%)
Volume$20.44K
Capitalization162.01M
BFIN vs UBFO Comparison Chart in %
BFIN
Daily Signalchanged days ago
Gain/Loss if bought
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UBFO
Daily Signalchanged days ago
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BFIN vs. UBFO commentary
Oct 07, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BFIN is a Buy and UBFO is a StrongBuy.

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COMPARISON
Comparison
Oct 07, 2025
Stock price -- (BFIN: $12.28 vs. UBFO: $9.27)
Brand notoriety: BFIN and UBFO are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BFIN: 65% vs. UBFO: 88%
Market capitalization -- BFIN: $153.02M vs. UBFO: $162.01M
BFIN [@Regional Banks] is valued at $153.02M. UBFO’s [@Regional Banks] market capitalization is $162.01M. The market cap for tickers in the [@Regional Banks] industry ranges from $168.54B to $0. The average market capitalization across the [@Regional Banks] industry is $7.9B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BFIN’s FA Score shows that 2 FA rating(s) are green whileUBFO’s FA Score has 2 green FA rating(s).

  • BFIN’s FA Score: 2 green, 3 red.
  • UBFO’s FA Score: 2 green, 3 red.
According to our system of comparison, UBFO is a better buy in the long-term than BFIN.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BFIN’s TA Score shows that 3 TA indicator(s) are bullish while UBFO’s TA Score has 4 bullish TA indicator(s).

  • BFIN’s TA Score: 3 bullish, 5 bearish.
  • UBFO’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, UBFO is a better buy in the short-term than BFIN.

Price Growth

BFIN (@Regional Banks) experienced а +1.40% price change this week, while UBFO (@Regional Banks) price change was +1.10% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.29%. For the same industry, the average monthly price growth was +0.48%, and the average quarterly price growth was +18.55%.

Reported Earning Dates

BFIN is expected to report earnings on Oct 27, 2025.

Industries' Descriptions

@Regional Banks (+0.29% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
UBFO($162M) has a higher market cap than BFIN($153M). BFIN has higher P/E ratio than UBFO: BFIN (76.75) vs UBFO (14.26). BFIN YTD gains are higher at: -0.886 vs. UBFO (-3.199). UBFO has more cash in the bank: 44M vs. BFIN (20.3M). UBFO has less debt than BFIN: UBFO (14.6M) vs BFIN (33.3M). BFIN (52.8M) and UBFO (52.3M) have equivalent revenues.
BFINUBFOBFIN / UBFO
Capitalization153M162M94%
EBITDAN/AN/A-
Gain YTD-0.886-3.19928%
P/E Ratio76.7514.26538%
Revenue52.8M52.3M101%
Total Cash20.3M44M46%
Total Debt33.3M14.6M228%
FUNDAMENTALS RATINGS
BFIN vs UBFO: Fundamental Ratings
BFIN
UBFO
OUTLOOK RATING
1..100
5776
VALUATION
overvalued / fair valued / undervalued
1..100
94
Overvalued
69
Overvalued
PROFIT vs RISK RATING
1..100
2722
SMR RATING
1..100
8057
PRICE GROWTH RATING
1..100
5453
P/E GROWTH RATING
1..100
311
SEASONALITY SCORE
1..100
75n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

UBFO's Valuation (69) in the Regional Banks industry is in the same range as BFIN (94) in the Savings Banks industry. This means that UBFO’s stock grew similarly to BFIN’s over the last 12 months.

UBFO's Profit vs Risk Rating (22) in the Regional Banks industry is in the same range as BFIN (27) in the Savings Banks industry. This means that UBFO’s stock grew similarly to BFIN’s over the last 12 months.

UBFO's SMR Rating (57) in the Regional Banks industry is in the same range as BFIN (80) in the Savings Banks industry. This means that UBFO’s stock grew similarly to BFIN’s over the last 12 months.

UBFO's Price Growth Rating (53) in the Regional Banks industry is in the same range as BFIN (54) in the Savings Banks industry. This means that UBFO’s stock grew similarly to BFIN’s over the last 12 months.

BFIN's P/E Growth Rating (3) in the Savings Banks industry is in the same range as UBFO (11) in the Regional Banks industry. This means that BFIN’s stock grew similarly to UBFO’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFINUBFO
RSI
ODDS (%)
Bearish Trend 1 day ago
42%
Bearish Trend 1 day ago
42%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
52%
Bullish Trend 1 day ago
54%
Momentum
ODDS (%)
Bearish Trend 1 day ago
46%
Bearish Trend 1 day ago
43%
MACD
ODDS (%)
Bearish Trend 1 day ago
44%
Bearish Trend 1 day ago
38%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
57%
Bullish Trend 1 day ago
61%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
39%
Bearish Trend 1 day ago
43%
Advances
ODDS (%)
Bullish Trend 4 days ago
60%
Bullish Trend 1 day ago
62%
Declines
ODDS (%)
Bearish Trend 6 days ago
45%
Bearish Trend 5 days ago
44%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
47%
Bearish Trend 1 day ago
44%
Aroon
ODDS (%)
Bearish Trend 1 day ago
34%
Bullish Trend 1 day ago
67%
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BFIN
Daily Signalchanged days ago
Gain/Loss if bought
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UBFO
Daily Signalchanged days ago
Gain/Loss if bought
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BFIN and

Correlation & Price change

A.I.dvisor indicates that over the last year, BFIN has been loosely correlated with UBFO. These tickers have moved in lockstep 54% of the time. This A.I.-generated data suggests there is some statistical probability that if BFIN jumps, then UBFO could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BFIN
1D Price
Change %
BFIN100%
-0.73%
UBFO - BFIN
54%
Loosely correlated
+1.09%
WNEB - BFIN
48%
Loosely correlated
+0.09%
FUNC - BFIN
47%
Loosely correlated
+1.00%
BCAL - BFIN
46%
Loosely correlated
+0.23%
BHRB - BFIN
46%
Loosely correlated
+2.16%
More