Comparing Central Federal (NASDAQ:CFBK) & United Security Bancshares (NASDAQ:UBFO)

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United Security Bancshares (NASDAQ:UBFO) and Central Federal (NASDAQ:CFBK) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, analyst recommendations, institutional ownership, profitability, valuation, dividends and risk.

Volatility & Risk

United Security Bancshares has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500. Comparatively, Central Federal has a beta of 0.77, suggesting that its share price is 23% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for United Security Bancshares and Central Federal, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Security Bancshares 0 0 0 0 N/A
Central Federal 0 0 0 0 N/A

Insider and Institutional Ownership

24.0% of United Security Bancshares shares are held by institutional investors. Comparatively, 21.0% of Central Federal shares are held by institutional investors. 21.8% of United Security Bancshares shares are held by company insiders. Comparatively, 16.3% of Central Federal shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares United Security Bancshares and Central Federal’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
United Security Bancshares $46.46 million 2.44 $15.17 million N/A N/A
Central Federal $46.82 million 1.14 $9.60 million N/A N/A

United Security Bancshares has higher earnings, but lower revenue than Central Federal.


This table compares United Security Bancshares and Central Federal’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
United Security Bancshares 29.98% 12.05% 1.43%
Central Federal 18.88% 14.23% 1.15%


United Security Bancshares beats Central Federal on 7 of the 10 factors compared between the two stocks.

United Security Bancshares Company Profile

United Security Bancshares operates as the holding company for United Security Bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in California. The company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. Its loan portfolio comprises real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural and installment loans. The company also offers cashier's check, traveler's check, money order, foreign draft, online and mobile banking, safe deposit box, payroll direct deposit, and interactive teller and ATM services. As of January 23, 2019, it operated through 11 full-service branch offices in Fresno, Bakersfield, Campbell, Caruthers, Coalinga, Firebaugh, Oakhurst, San Joaquin, and Taft, California. The company was founded in 1987 and is headquartered in Fresno, California.

Central Federal Company Profile

Central Federal Corporation operates as the bank holding company for CFBank, National Association that provides various banking products and services in the United States. The company accepts savings, retail and business checking, and money market accounts, as well as certificates of deposit. It also offers single-family mortgage loans; commercial real estate and multi-family residential mortgage loans; commercial loans; construction and land loans; and consumer loans, such as home equity lines of credit, automobile loans, home improvement loans, and loans secured by deposits, as well as other loans. In addition, the company provides Internet and mobile banking, remote deposit, and corporate treasury management services. As of December 31, 2018, it operated five branch offices located in Franklin, Hamilton, Summit, and Columbiana Counties; and a loan production office located in Franklin County; and an agency office located in Cuyahoga County, Ohio. Central Federal Corporation was founded in 1892 and is based in Worthington, Ohio.

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