UBFO vs RBKB

Comparison between United Security Bancshares (CA) (UBFO, Company) and Rhinebeck Bancorp Inc (RBKB, Company).

Both UBFO and RBKB are from the Financial Services sector.

5-Year PerformanceUBFO has outperformed RBKB, delivering a return of +11.2% compared to +9.5%

UBFO vs RBKB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UBFO(COMPANY)	RBKB(COMPANY)
Market Cap	$185M	$184M
Max Drawdown	91.22%	50.37%
Sharpe Ratio	1.02	1.01
5Y Beta	0.68	0.12
Industry	Banks - Regional	Banks - Regional
P/E Ratio	15.00	18.39
Forward P/E	13.66	N/A
PEG Ratio	0.00	N/A
Dividend Yield	4.57%	N/A
5Y Dividends CAGR	6.40%	N/A
5Y EPS CAGR	6.05%	4.08%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	10.70%	5.21%
P/S Ratio	3.83	3.52
P/B Ratio	1.32	1.31

Market Cap

Winner

UBFO

$185M

RBKB

$184M

Max Drawdown

UBFO

91.22%

Winner

RBKB

50.37%

Sharpe Ratio

Winner

UBFO

1.02

RBKB

1.01

5Y Beta

UBFO

0.68

Winner

RBKB

0.12

Industry

UBFO

Banks - Regional

RBKB

Banks - Regional

P/E Ratio

Winner

UBFO

15.00

RBKB

18.39

Forward P/E

UBFO

13.66

RBKB

N/A

PEG Ratio

UBFO

0.00

RBKB

N/A

Dividend Yield

UBFO

4.57%

RBKB

N/A

5Y Dividends CAGR

UBFO

6.40%

RBKB

N/A

5Y EPS CAGR

Winner

UBFO

6.05%

RBKB

4.08%

Debt to Equity

UBFO

0.00%

RBKB

0.00%

Free Cash Flow Yield

Winner

UBFO

10.70%

RBKB

5.21%

P/S Ratio

UBFO

3.83

Winner

RBKB

3.52

P/B Ratio

UBFO

1.32

Winner

RBKB

1.31

UBFO vs RBKB - Historical Returns

Returns include dividend reinvestment.

Period	UBFO	RBKB
1 month	+0.00%	+3.47%
3 months	+3.65%	+4.37%
6 months	+3.05%	+35.74%
1 year	+25.94%	+34.76%
5 years(CAGR)	+11.15%	+9.53%
10 years(CAGR)	+14.02%	N/A
Max(CAGR)	+5.95%	+4.87%

UBFO

+0.00%

Winner

RBKB

+3.47%

UBFO

+3.65%

Winner

RBKB

+4.37%

UBFO

+3.05%

Winner

RBKB

+35.74%

UBFO

+25.94%

Winner

RBKB

+34.76%

5Y(CAGR)

Winner

UBFO

+11.15%

RBKB

+9.53%

10Y(CAGR)

UBFO

+14.02%

RBKB

N/A

Max(CAGR)

Winner

UBFO

+5.95%

RBKB

+4.87%

UBFO vs RBKB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UBFO	RBKB
2026	+7.14%	+39.48%
2025	+8.06%	+24.30%
2024	+31.14%	+19.84%
2023	+23.54%	-10.65%
2022	-5.15%	-14.54%
2021	+25.87%	+25.41%
2020	-28.47%	-24.40%
2019	+15.83%	-3.74%
2018	-9.72%	N/A
2017	+46.02%	N/A
2016	+77.23%	N/A
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 RBKB Drawdown Comparison

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

The maximum drawdown for RBKB was -50.37%, occurring on Mar 25, 2020. Recovery took 1569 trading sessions.

The current UBFO drawdown is -7.89%.

Rank	UBFO	RBKB
#1	-89.51% Nov 9, 2006 - Jan 12, 2018	-50.37% Mar 18, 2019 - Jun 12, 2025
#2	-53.37% Jul 5, 2019 - Sep 16, 2024	-30.04% Aug 22, 2025 - Feb 11, 2026
#3	-27.98% Jan 9, 2004 - Jul 14, 2005	-7.97% Mar 4, 2026 - Apr 24, 2026
#4	-26.61% Nov 12, 1999 - Apr 1, 2003	-7.09% Jun 13, 2025 - Jul 17, 2025
#5	-24.64% Dec 13, 2024 - Nov 11, 2025	-6.61% Apr 24, 2026 - Jun 2, 2026
#6	-21.73% May 14, 2003 - Sep 3, 2003	-5.57% Mar 14, 2019 - Mar 18, 2019
#7	-18.09% May 19, 2006 - Oct 17, 2006	-4.83% Jul 29, 2025 - Aug 22, 2025
#8	-17.43% Jul 6, 2018 - Jun 28, 2019	-4.16% Jan 23, 2019 - Mar 14, 2019
#9	-12.50% Jan 17, 2018 - Jul 6, 2018	-3.39% Feb 17, 2026 - Feb 24, 2026
#10	-12.45% Feb 6, 2026 - Mar 18, 2026	-2.38% Jul 23, 2025 - Jul 29, 2025
#11	-10.49% Sep 17, 2003 - Oct 22, 2003	-1.17% Jan 17, 2019 - Jan 22, 2019
#12	-8.51% Apr 11, 2003 - Apr 29, 2003	-1.03% Jul 17, 2025 - Jul 22, 2025
#13	-8.37% Nov 3, 2003 - Dec 30, 2003	-1.03% Jun 2, 2026 - Jun 11, 2026
#14	-7.35% Sep 20, 2024 - Oct 18, 2024	-1.00% Feb 25, 2026 - Mar 4, 2026
#15	-6.98% Apr 1, 2003 - Apr 11, 2003	N/A