UBFO vs XYF

Comparison between United Security Bancshares (CA) (UBFO, Company) and X Financial (XYF, Company).

Both UBFO and XYF are from the Financial Services sector.

5-Year PerformanceUBFO has outperformed XYF, delivering a return of +11.4% compared to -4.2%

UBFO vs XYF - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	UBFO(COMPANY)	XYF(COMPANY)
Market Cap	$185M	$185M
Max Drawdown	91.22%	95.82%
Sharpe Ratio	1.01	-1.80
5Y Beta	0.69	0.76
Industry	Banks - Regional	Credit Services
P/E Ratio	15.00	0.88
Forward P/E	13.66	N/A
PEG Ratio	N/A	0.14
Dividend Yield	4.57%	12.10%
5Y Dividends CAGR	6.40%	N/A
5Y EPS CAGR	6.05%	16.91%
Debt to Equity	0.00%	5.23%
Free Cash Flow Yield	10.70%	N/A

Market Cap

UBFO

$185M

Winner

XYF

$185M

Max Drawdown

Winner

UBFO

91.22%

XYF

95.82%

Sharpe Ratio

Winner

UBFO

1.01

XYF

-1.80

5Y Beta

Winner

UBFO

0.69

XYF

0.76

Industry

UBFO

Banks - Regional

XYF

Credit Services

P/E Ratio

UBFO

15.00

Winner

XYF

0.88

Forward P/E

UBFO

13.66

XYF

N/A

PEG Ratio

UBFO

N/A

XYF

0.14

Dividend Yield

UBFO

4.57%

Winner

XYF

12.10%

5Y Dividends CAGR

UBFO

6.40%

XYF

N/A

5Y EPS CAGR

UBFO

6.05%

Winner

XYF

16.91%

Debt to Equity

Winner

UBFO

0.00%

XYF

5.23%

Free Cash Flow Yield

UBFO

10.70%

XYF

N/A

UBFO vs XYF - Historical Returns

Returns include dividend reinvestment.

Period	UBFO	XYF
1 month	+0.00%	-2.05%
3 months	+0.00%	+2.30%
6 months	-1.31%	-15.46%
1 year	+20.92%	-70.41%
5 years(CAGR)	+11.38%	-4.18%
10 years(CAGR)	+12.90%	N/A
Max(CAGR)	+5.92%	-20.39%

Winner

UBFO

+0.00%

XYF

-2.05%

UBFO

+0.00%

Winner

XYF

+2.30%

Winner

UBFO

-1.31%

XYF

-15.46%

Winner

UBFO

+20.92%

XYF

-70.41%

5Y(CAGR)

Winner

UBFO

+11.38%

XYF

-4.18%

10Y(CAGR)

UBFO

+12.90%

XYF

N/A

Max(CAGR)

Winner

UBFO

+5.92%

XYF

-20.39%

UBFO vs XYF - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	UBFO	XYF
2026	+7.14%	-12.39%
2025	+8.06%	-31.04%
2024	+31.14%	+139.08%
2023	+23.54%	+27.81%
2022	-5.15%	-3.51%
2021	+25.87%	+55.15%
2020	-28.47%	-62.12%
2019	+15.83%	-60.19%
2018	-9.72%	-64.33%
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 XYF Drawdown Comparison

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

The maximum drawdown for XYF was -95.75%, occurring on Sep 24, 2020. This drawdown has not yet recovered.

The current UBFO drawdown is -7.89%. The current XYF drawdown is -83.26%.

Rank	UBFO	XYF
#1	-89.51% Nov 9, 2006 - Jan 12, 2018	-95.75% Sep 19, 2018 - Sep 24, 2020
#2	-53.37% Jul 5, 2019 - Sep 16, 2024	N/A
#3	-27.98% Jan 9, 2004 - Jul 14, 2005	N/A
#4	-26.61% Nov 12, 1999 - Apr 1, 2003	N/A
#5	-24.64% Dec 13, 2024 - Nov 11, 2025	N/A
#6	-21.73% May 14, 2003 - Sep 3, 2003	N/A
#7	-18.09% May 19, 2006 - Oct 17, 2006	N/A
#8	-17.43% Jul 6, 2018 - Jun 28, 2019	N/A
#9	-12.50% Jan 17, 2018 - Jul 6, 2018	N/A
#10	-12.45% Feb 6, 2026 - Mar 18, 2026	N/A
#11	-10.49% Sep 17, 2003 - Oct 22, 2003	N/A
#12	-8.51% Apr 11, 2003 - Apr 29, 2003	N/A
#13	-8.37% Nov 3, 2003 - Dec 30, 2003	N/A
#14	-7.35% Sep 20, 2024 - Oct 18, 2024	N/A
#15	-6.98% Apr 1, 2003 - Apr 11, 2003	N/A

Correlation

Correlation between UBFO and XYF is 0.40 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.40

-101

Dividend Comparison (2000 - 2026)

UBFO vs XYF dividend yield comparison.

Year	UBFO	XYF
2026	0.00%	5.86%
2025	5.96%	9.46%
2024	4.75%	4.08%
2023	5.47%	4.64%
2022	4.51%	0.00%
2021	5.42%	0.00%
2020	6.24%	0.00%
2019	5.13%	5.92%
2018	3.65%	0.00%
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%