UBFO vs BVFL

Comparison between United Security Bancshares (CA) (UBFO, Company) and BV Financial Inc (BVFL, Company).

Both UBFO and BVFL are from the Financial Services sector.

5-Year PerformanceBVFL has outperformed UBFO, delivering a return of +12.3% compared to +11.0%

UBFO vs BVFL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UBFO(COMPANY)	BVFL(COMPANY)
Market Cap	$185M	$185M
Max Drawdown	91.22%	57.57%
Sharpe Ratio	1.18	1.28
5Y Beta	0.68	0.50
Industry	Banks - Regional	Banks - Regional
P/E Ratio	15.00	15.82
Forward P/E	13.66	N/A
PEG Ratio	0.00	0.48
Dividend Yield	4.57%	N/A
5Y Dividends CAGR	6.40%	N/A
5Y EPS CAGR	6.05%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	10.70%	9.73%
P/S Ratio	3.83	4.26
P/B Ratio	1.32	0.97

Market Cap

UBFO

$185M

Winner

BVFL

$185M

Max Drawdown

UBFO

91.22%

Winner

BVFL

57.57%

Sharpe Ratio

UBFO

1.18

Winner

BVFL

1.28

5Y Beta

UBFO

0.68

Winner

BVFL

0.50

Industry

UBFO

Banks - Regional

BVFL

Banks - Regional

P/E Ratio

Winner

UBFO

15.00

BVFL

15.82

Forward P/E

UBFO

13.66

BVFL

N/A

PEG Ratio

Winner

UBFO

0.00

BVFL

0.48

Dividend Yield

UBFO

4.57%

BVFL

N/A

5Y Dividends CAGR

UBFO

6.40%

BVFL

N/A

5Y EPS CAGR

UBFO

6.05%

BVFL

N/A

Debt to Equity

UBFO

0.00%

BVFL

0.00%

Free Cash Flow Yield

Winner

UBFO

10.70%

BVFL

9.73%

P/S Ratio

Winner

UBFO

3.83

BVFL

4.26

P/B Ratio

UBFO

1.32

Winner

BVFL

0.97

UBFO vs BVFL - Historical Returns

Returns include dividend reinvestment.

Period	UBFO	BVFL
1 month	+0.00%	-0.84%
3 months	+0.00%	+10.24%
6 months	-7.89%	+7.63%
1 year	+29.96%	+39.65%
5 years(CAGR)	+10.97%	+12.26%
10 years(CAGR)	+13.10%	+18.24%
Max(CAGR)	+5.91%	+16.02%

Winner

UBFO

+0.00%

BVFL

-0.84%

UBFO

+0.00%

Winner

BVFL

+10.24%

UBFO

-7.89%

Winner

BVFL

+7.63%

UBFO

+29.96%

Winner

BVFL

+39.65%

5Y(CAGR)

UBFO

+10.97%

Winner

BVFL

+12.26%

10Y(CAGR)

UBFO

+13.10%

Winner

BVFL

+18.24%

Max(CAGR)

UBFO

+5.91%

Winner

BVFL

+16.02%

UBFO vs BVFL - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UBFO	BVFL
2026	+7.14%	+17.28%
2025	+8.06%	+6.14%
2024	+31.14%	+20.67%
2023	+23.54%	-13.17%
2022	-5.15%	+24.38%
2021	+25.87%	+18.23%
2020	-28.47%	-1.45%
2019	+15.83%	+18.97%
2018	-9.72%	+59.14%
2017	+46.02%	+39.24%
2016	+77.23%	-6.55%
2015	+2.42%	N/A
2014	+18.25%	N/A
2013	+104.92%	N/A
2012	+24.31%	N/A
2011	-37.63%	N/A
2010	-10.42%	N/A
2009	-59.48%	N/A
2008	-18.37%	N/A
2007	-36.37%	N/A
2006	+61.30%	N/A
2005	+22.90%	N/A
2004	-4.14%	N/A
2003	+61.57%	N/A
2002	+8.20%	N/A
2001	+0.50%	N/A
2000	-15.57%	N/A
1999	+8.53%	N/A

UBFO vs BVFL Drawdown Comparison

The maximum drawdown for UBFO was -89.51%, occurring on Nov 23, 2011. Recovery took 2812 trading sessions.

The maximum drawdown for BVFL was -57.57%, occurring on Aug 24, 2023. This drawdown has not yet recovered.

The current UBFO drawdown is -7.89%. The current BVFL drawdown is -6.79%.

Rank	UBFO	BVFL
#1	-89.51% Nov 9, 2006 - Jan 12, 2018	-57.57% Feb 15, 2023 - Aug 24, 2023
#2	-53.37% Jul 5, 2019 - Sep 16, 2024	-44.47% Oct 25, 2019 - Mar 22, 2021
#3	-27.98% Jan 9, 2004 - Jul 14, 2005	-26.80% Nov 22, 2017 - May 24, 2018
#4	-26.61% Nov 12, 1999 - Apr 1, 2003	-25.37% Aug 23, 2018 - Aug 30, 2018
#5	-24.64% Dec 13, 2024 - Nov 11, 2025	-17.73% Jul 13, 2018 - Aug 21, 2018
#6	-21.73% May 14, 2003 - Sep 3, 2003	-17.65% Jul 6, 2017 - Nov 22, 2017
#7	-18.09% May 19, 2006 - Oct 17, 2006	-17.25% Mar 22, 2021 - Aug 12, 2021
#8	-17.43% Jul 6, 2018 - Jun 28, 2019	-16.00% Apr 11, 2022 - Jan 20, 2023
#9	-12.50% Jan 17, 2018 - Jul 6, 2018	-14.44% Mar 4, 2016 - Apr 5, 2017
#10	-12.45% Feb 6, 2026 - Mar 18, 2026	-13.10% Apr 5, 2017 - May 1, 2017
#11	-10.49% Sep 17, 2003 - Oct 22, 2003	-12.70% Apr 25, 2019 - Sep 24, 2019
#12	-8.51% Apr 11, 2003 - Apr 29, 2003	-11.44% May 25, 2018 - Jun 12, 2018
#13	-8.37% Nov 3, 2003 - Dec 30, 2003	-10.67% Aug 27, 2021 - Apr 6, 2022
#14	-7.35% Sep 20, 2024 - Oct 18, 2024	-9.36% Apr 16, 2019 - Apr 25, 2019
#15	-6.98% Apr 1, 2003 - Apr 11, 2003	-8.79% Nov 6, 2018 - Apr 16, 2019

Correlation

Correlation between UBFO and BVFL is 0.71 which considered as a strong positive correlation - the stocks tend to move together.

0.71

-101

Dividend Comparison (2000 - 2025)

UBFO vs BVFL dividend yield comparison.

Year	UBFO	BVFL
2025	5.96%	0.00%
2024	4.75%	0.00%
2023	5.47%	0.00%
2022	4.51%	0.00%
2021	5.42%	0.00%
2020	6.24%	0.00%
2019	5.13%	0.00%
2018	3.65%	0.69%
2017	1.55%	0.00%
2016	12.90%	0.00%
2014	3.93%	0.00%
2013	3.09%	0.00%
2012	3.63%	0.00%
2011	6.01%	0.00%
2010	4.78%	0.00%
2009	6.13%	0.00%
2008	4.57%	0.00%
2007	3.29%	0.00%
2006	1.79%	0.00%
2005	2.29%	0.00%
2004	2.45%	0.00%
2003	2.07%	0.00%
2002	2.83%	0.00%
2001	2.62%	0.00%
2000	2.07%	0.00%