UBFO vs SPY

Comparison between United Security Bancshares (CA) (UBFO, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed UBFO, delivering a return of +13.8% compared to +11.2%

UBFO vs SPY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UBFO(COMPANY)	SPY(ETF)
Market Cap / Net Assets	$185M	$784B
Expense Ratio	N/A	0.09%
Max Drawdown	91.22%	56.47%
Sharpe Ratio	0.98	1.56
5Y Beta	0.68	1.00
Industry	Banks - Regional	N/A
P/E Ratio	15.00	28.29
Forward P/E	13.66	21.75
PEG Ratio	0.00	N/A
Dividend Yield	4.57%	N/A
5Y Dividends CAGR	6.40%	5.43%
5Y EPS CAGR	6.05%	25.98%
Debt to Equity	0.00%	30.79%
Free Cash Flow Yield	10.70%	N/A
P/S Ratio	3.83	3.79
P/B Ratio	1.32	5.67

Market Cap / Net Assets

UBFO

$185M

Winner

SPY

$784B

Expense Ratio

UBFO

N/A

SPY

0.09%

Max Drawdown

UBFO

91.22%

Winner

SPY

56.47%

Sharpe Ratio

UBFO

0.98

Winner

SPY

1.56

5Y Beta

Winner

UBFO

0.68

SPY

1.00

Industry

UBFO

Banks - Regional

SPY

N/A

P/E Ratio

Winner

UBFO

15.00

SPY

28.29

Forward P/E

Winner

UBFO

13.66

SPY

21.75

PEG Ratio

UBFO

0.00

SPY

N/A

Dividend Yield

UBFO

4.57%

SPY

N/A

5Y Dividends CAGR

Winner

UBFO

6.40%

SPY

5.43%

5Y EPS CAGR

UBFO

6.05%

Winner

SPY

25.98%

Debt to Equity

Winner

UBFO

0.00%

SPY

30.79%

Free Cash Flow Yield

UBFO

10.70%

SPY

N/A

P/S Ratio

UBFO

3.83

Winner

SPY

3.79

P/B Ratio

Winner

UBFO

1.32

SPY

5.67

UBFO vs SPY - Historical Returns

Returns include dividend reinvestment.

Period	UBFO	SPY
1 month	+0.00%	+2.12%
3 months	+2.44%	+13.14%
6 months	+2.25%	+11.52%
1 year	+32.68%	+26.68%
5 years(CAGR)	+11.16%	+13.75%
10 years(CAGR)	+13.97%	+15.65%
Max(CAGR)	+5.94%	+8.56%

UBFO

+0.00%

Winner

SPY

+2.12%

UBFO

+2.44%

Winner

SPY

+13.14%

UBFO

+2.25%

Winner

SPY

+11.52%

Winner

UBFO

+32.68%

SPY

+26.68%

5Y(CAGR)

UBFO

+11.16%

Winner

SPY

+13.75%

10Y(CAGR)

UBFO

+13.97%

Winner

SPY

+15.65%

Max(CAGR)

UBFO

+5.94%

Winner

SPY

+8.56%

UBFO vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UBFO	SPY
2026	+7.14%	+10.80%
2025	+8.06%	+18.00%
2024	+31.14%	+25.59%
2023	+23.54%	+26.72%
2022	-5.15%	-18.64%
2021	+25.87%	+30.52%
2020	-28.47%	+17.28%
2019	+15.83%	+31.09%
2018	-9.72%	-5.24%
2017	+46.02%	+20.78%
2016	+77.23%	+13.59%
2015	+2.42%	+1.31%
2014	+18.25%	+14.56%
2013	+104.92%	+29.00%
2012	+24.31%	+14.17%
2011	-37.63%	+0.85%
2010	-10.42%	+13.14%
2009	-59.48%	+22.67%
2008	-18.37%	-36.25%
2007	-36.37%	+5.32%
2006	+61.30%	+13.85%
2005	+22.90%	+5.32%
2004	-4.14%	+10.75%
2003	+61.57%	+24.18%
2002	+8.20%	-22.42%
2001	+0.50%	-10.13%
2000	-15.57%	-8.84%
1999	+8.53%	+8.61%

UBFO vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current UBFO drawdown is -7.89%. The current SPY drawdown is -0.62%.

Rank	UBFO	SPY
#1	-89.51% Nov 9, 2006 - Jan 12, 2018	-55.20% Oct 9, 2007 - Aug 16, 2012
#2	-53.37% Jul 5, 2019 - Sep 16, 2024	-47.50% Mar 24, 2000 - Oct 26, 2006
#3	-27.98% Jan 9, 2004 - Jul 14, 2005	-33.70% Feb 19, 2020 - Aug 10, 2020
#4	-26.61% Nov 12, 1999 - Apr 1, 2003	-24.50% Jan 3, 2022 - Dec 13, 2023
#5	-24.64% Dec 13, 2024 - Nov 11, 2025	-19.34% Sep 20, 2018 - Apr 12, 2019
#6	-21.73% May 14, 2003 - Sep 3, 2003	-18.76% Feb 19, 2025 - Jun 26, 2025
#7	-18.09% May 19, 2006 - Oct 17, 2006	-13.02% Jul 20, 2015 - Apr 18, 2016
#8	-17.43% Jul 6, 2018 - Jun 28, 2019	-10.10% Jan 26, 2018 - Aug 6, 2018
#9	-12.50% Jan 17, 2018 - Jul 6, 2018	-9.44% Sep 2, 2020 - Nov 11, 2020
#10	-12.45% Feb 6, 2026 - Mar 18, 2026	-9.30% Jan 19, 2000 - Mar 17, 2000
#11	-10.49% Sep 17, 2003 - Oct 22, 2003	-9.05% Jul 19, 2007 - Oct 5, 2007
#12	-8.51% Apr 11, 2003 - Apr 29, 2003	-8.88% Jan 27, 2026 - Apr 14, 2026
#13	-8.37% Nov 3, 2003 - Dec 30, 2003	-8.41% Jul 16, 2024 - Sep 19, 2024
#14	-7.35% Sep 20, 2024 - Oct 18, 2024	-7.35% Sep 14, 2012 - Jan 2, 2013
#15	-6.98% Apr 1, 2003 - Apr 11, 2003	-7.27% Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between UBFO and SPY is 0.81 which considered as a strong positive correlation - the stocks tend to move together.

0.81

-101

Dividend Comparison (1999 - 2026)

UBFO vs SPY dividend yield comparison.

Year	UBFO	SPY
2026	0.00%	0.24%
2025	5.96%	1.07%
2024	4.75%	1.21%
2023	5.47%	1.40%
2022	4.51%	1.65%
2021	5.42%	1.20%
2020	6.24%	1.52%
2019	5.13%	1.75%
2018	3.65%	2.04%
2017	1.55%	1.80%
2016	12.90%	2.03%
2015	0.00%	2.06%
2014	3.93%	1.87%
2013	3.09%	1.81%
2012	3.63%	2.18%
2011	6.01%	2.05%
2010	4.78%	1.80%
2009	6.13%	1.95%
2008	4.57%	3.02%
2007	3.29%	1.85%
2006	1.79%	1.73%
2005	2.29%	1.73%
2004	2.45%	1.82%
2003	2.07%	1.47%
2002	2.83%	1.70%
2001	2.62%	1.25%
2000	2.07%	1.15%
1999	0.00%	0.24%

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UBFO vs SPY

UBFO vs SPY - Performance Comparison

Key Characteristics

UBFO vs SPY - Historical Returns

UBFO vs SPY - Annual Returns (1999 - 2026)

UBFO vs SPY Drawdown Comparison

Correlation

Dividend Comparison (1999 - 2026)

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