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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 +12.9% compared to +11.5%

UBFO vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
UBFO
$185M
Winner
SPY
$781B
Expense Ratio
UBFO
N/A
SPY
0.09%
Max Drawdown
UBFO
91.22%
Winner
SPY
56.47%
Sharpe Ratio
UBFO
1.06
Winner
SPY
1.26
5Y Beta
Winner
UBFO
0.68
SPY
1.00
Industry
UBFO
Banks - Regional
SPY
N/A
P/E Ratio
Winner
UBFO
15.00
SPY
27.10
Forward P/E
Winner
UBFO
13.66
SPY
20.73
PEG Ratio
UBFO
0.00
SPY
N/A
Dividend Yield
UBFO
4.57%
SPY
N/A
5Y Dividends CAGR
Winner
UBFO
6.40%
SPY
6.00%
5Y EPS CAGR
UBFO
6.05%
Winner
SPY
25.29%
Debt to Equity
Winner
UBFO
0.00%
SPY
31.61%
Free Cash Flow Yield
UBFO
10.70%
SPY
N/A
P/S Ratio
UBFO
3.83
Winner
SPY
3.72
P/B Ratio
Winner
UBFO
1.32
SPY
5.54

UBFO vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
UBFO
+0.00%
Winner
SPY
+1.73%
3M
UBFO
+0.00%
Winner
SPY
+5.79%
6M
UBFO
-6.08%
Winner
SPY
+10.47%
1Y
Winner
UBFO
+27.50%
SPY
+21.37%
5Y(CAGR)
UBFO
+11.52%
Winner
SPY
+12.95%
10Y(CAGR)
UBFO
+12.98%
Winner
SPY
+15.20%
Max(CAGR)
UBFO
+5.91%
Winner
SPY
+8.54%

UBFO vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearUBFOSPY
2026+7.14%+11.50%
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%.

RankUBFOSPY
#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 0.82 which considered as a strong positive correlation - the stocks tend to move together.

0.82
-101

Dividend Comparison (1999 - 2026)

UBFO vs SPY dividend yield comparison.

YearUBFOSPY
20260.00%0.49%
20255.96%1.07%
20244.75%1.21%
20235.47%1.40%
20224.51%1.65%
20215.42%1.20%
20206.24%1.52%
20195.13%1.75%
20183.65%2.04%
20171.55%1.80%
201612.90%2.03%
20150.00%2.06%
20143.93%1.87%
20133.09%1.81%
20123.63%2.18%
20116.01%2.05%
20104.78%1.80%
20096.13%1.95%
20084.57%3.02%
20073.29%1.85%
20061.79%1.73%
20052.29%1.73%
20042.45%1.82%
20032.07%1.47%
20022.83%1.70%
20012.62%1.25%
20002.07%1.15%
19990.00%0.24%

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