UBFO
Price
$9.10
Change
+$0.13 (+1.45%)
Updated
Oct 24 closing price
Capitalization
159.77M
Intraday Buy/Sell Signals
VLY
Price
$10.98
Change
+$0.42 (+3.98%)
Updated
Oct 24 closing price
Capitalization
6.16B
88 days until earnings call
Intraday Buy/Sell Signals
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UBFO vs VLY

Header iconUBFO vs VLY Comparison
Open Charts UBFO vs VLYBanner chart's image
United Security Bancshares
Price$9.10
Change+$0.13 (+1.45%)
Volume$20.27K
Capitalization159.77M
Valley National Ban
Price$10.98
Change+$0.42 (+3.98%)
Volume$16.35M
Capitalization6.16B
UBFO vs VLY Comparison Chart in %
UBFO
Daily Signalchanged days ago
Gain/Loss if bought
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VLY
Daily Signalchanged days ago
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UBFO vs. VLY commentary
Oct 26, 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 UBFO is a Hold and VLY is a Buy.

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COMPARISON
Comparison
Oct 26, 2025
Stock price -- (UBFO: $9.10 vs. VLY: $10.98)
Brand notoriety: UBFO and VLY are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: UBFO: 81% vs. VLY: 146%
Market capitalization -- UBFO: $159.77M vs. VLY: $6.16B
UBFO [@Regional Banks] is valued at $159.77M. VLY’s [@Regional Banks] market capitalization is $6.16B. The market cap for tickers in the [@Regional Banks] industry ranges from $174.11B to $0. The average market capitalization across the [@Regional Banks] industry is $7.83B.

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).

UBFO’s FA Score shows that 2 FA rating(s) are green whileVLY’s FA Score has 0 green FA rating(s).

  • UBFO’s FA Score: 2 green, 3 red.
  • VLY’s FA Score: 0 green, 5 red.
According to our system of comparison, both UBFO and VLY are a bad buy in the long-term.

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.

UBFO’s TA Score shows that 5 TA indicator(s) are bullish while VLY’s TA Score has 8 bullish TA indicator(s).

  • UBFO’s TA Score: 5 bullish, 5 bearish.
  • VLY’s TA Score: 8 bullish, 2 bearish.
According to our system of comparison, VLY is a better buy in the short-term than UBFO.

Price Growth

UBFO (@Regional Banks) experienced а +1.11% price change this week, while VLY (@Regional Banks) price change was +12.04% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +7.08%. For the same industry, the average monthly price growth was +5.30%, and the average quarterly price growth was +23.12%.

Reported Earning Dates

VLY is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (+7.08% 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
VLY($6.16B) has a higher market cap than UBFO($160M). UBFO has higher P/E ratio than VLY: UBFO (14.00) vs VLY (12.48). VLY YTD gains are higher at: 25.583 vs. UBFO (-4.974). VLY has more cash in the bank: 441M vs. UBFO (44M). UBFO has less debt than VLY: UBFO (14.6M) vs VLY (3.45B). VLY has higher revenues than UBFO: VLY (1.91B) vs UBFO (52.3M).
UBFOVLYUBFO / VLY
Capitalization160M6.16B3%
EBITDAN/AN/A-
Gain YTD-4.97425.583-19%
P/E Ratio14.0012.48112%
Revenue52.3M1.91B3%
Total Cash44M441M10%
Total Debt14.6M3.45B0%
FUNDAMENTALS RATINGS
UBFO vs VLY: Fundamental Ratings
UBFO
VLY
OUTLOOK RATING
1..100
5833
VALUATION
overvalued / fair valued / undervalued
1..100
69
Overvalued
39
Fair valued
PROFIT vs RISK RATING
1..100
2352
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
5545
P/E GROWTH RATING
1..100
1271
SEASONALITY SCORE
1..100
n/a34

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.

VLY's Valuation (39) in the Regional Banks industry is in the same range as UBFO (69). This means that VLY’s stock grew similarly to UBFO’s over the last 12 months.

UBFO's Profit vs Risk Rating (23) in the Regional Banks industry is in the same range as VLY (52). This means that UBFO’s stock grew similarly to VLY’s over the last 12 months.

UBFO's SMR Rating (100) in the Regional Banks industry is in the same range as VLY (100). This means that UBFO’s stock grew similarly to VLY’s over the last 12 months.

VLY's Price Growth Rating (45) in the Regional Banks industry is in the same range as UBFO (55). This means that VLY’s stock grew similarly to UBFO’s over the last 12 months.

UBFO's P/E Growth Rating (12) in the Regional Banks industry is somewhat better than the same rating for VLY (71). This means that UBFO’s stock grew somewhat faster than VLY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
UBFOVLY
RSI
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
81%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
50%
Bullish Trend 2 days ago
74%
Momentum
ODDS (%)
Bullish Trend 2 days ago
59%
Bullish Trend 2 days ago
71%
MACD
ODDS (%)
Bullish Trend 2 days ago
55%
Bullish Trend 2 days ago
68%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
60%
Bullish Trend 2 days ago
67%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
43%
Bullish Trend 2 days ago
64%
Advances
ODDS (%)
Bullish Trend 12 days ago
61%
Bullish Trend 2 days ago
63%
Declines
ODDS (%)
Bearish Trend 3 days ago
45%
Bearish Trend 10 days ago
67%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
68%
Bullish Trend 2 days ago
80%
Aroon
ODDS (%)
Bearish Trend 2 days ago
40%
Bullish Trend 2 days ago
69%
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UBFO
Daily Signalchanged days ago
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VLY
Daily Signalchanged days ago
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