Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 6.00
USBI's Cash to Debt is ranked higher than
85% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. USBI: 6.00 )
USBI' s 10-Year Cash to Debt Range
Min: 0.1   Max: No Debt
Current: 6

Equity to Asset 0.13
USBI's Equity to Asset is ranked higher than
86% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. USBI: 0.13 )
USBI' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.14
Current: 0.13

0.11
0.14
Interest Coverage 1.87
USBI's Interest Coverage is ranked higher than
75% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. USBI: 1.87 )
USBI' s 10-Year Interest Coverage Range
Min: 0.44   Max: 1.87
Current: 1.87

0.44
1.87
F-Score: 5
Z-Score: 0.38
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 15.86
USBI's Operating margin (%) is ranked higher than
58% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. USBI: 15.86 )
USBI' s 10-Year Operating margin (%) Range
Min: -370.66   Max: 43.69
Current: 15.86

-370.66
43.69
Net-margin (%) 11.14
USBI's Net-margin (%) is ranked higher than
57% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. USBI: 11.14 )
USBI' s 10-Year Net-margin (%) Range
Min: -20.6   Max: 325.38
Current: 11.14

-20.6
325.38
ROE (%) 5.28
USBI's ROE (%) is ranked higher than
63% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. USBI: 5.28 )
USBI' s 10-Year ROE (%) Range
Min: -12.77   Max: 17.12
Current: 5.28

-12.77
17.12
ROA (%) 0.67
USBI's ROA (%) is ranked higher than
69% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. USBI: 0.67 )
USBI' s 10-Year ROA (%) Range
Min: -1.46   Max: 2.28
Current: 0.67

-1.46
2.28
ROC (Joel Greenblatt) (%) 59.04
USBI's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. USBI: 59.04 )
USBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -205.05   Max: 148.12
Current: 59.04

-205.05
148.12
Revenue Growth (3Y)(%) -7.50
USBI's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. USBI: -7.50 )
USBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -7.5   Max: 139.7
Current: -7.5

-7.5
139.7
» USBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

USBI Guru Trades in Q4 2013

Jim Simons 15,600 sh (+2.63%)
» More
Q1 2014

USBI Guru Trades in Q1 2014

Jim Simons 15,400 sh (-1.28%)
» More
Q2 2014

USBI Guru Trades in Q2 2014

Jim Simons 15,900 sh (+3.25%)
» More
Q3 2014

USBI Guru Trades in Q3 2014

Jim Simons 18,400 sh (+15.72%)
» More
» Details

Insider Trades

Latest Guru Trades with USBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.90
USBI's P/E(ttm) is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. USBI: 13.90 )
USBI' s 10-Year P/E(ttm) Range
Min: 9.85   Max: 291.04
Current: 13.9

9.85
291.04
P/B 0.70
USBI's P/B is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. USBI: 0.70 )
USBI' s 10-Year P/B Range
Min: 0.25   Max: 2.63
Current: 0.7

0.25
2.63
P/S 1.54
USBI's P/S is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. USBI: 1.54 )
USBI' s 10-Year P/S Range
Min: 0.47   Max: 4.79
Current: 1.54

0.47
4.79
PFCF 9.41
USBI's PFCF is ranked higher than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. USBI: 9.41 )
USBI' s 10-Year PFCF Range
Min: 1.84   Max: 50.04
Current: 9.41

1.84
50.04
EV-to-EBIT 4.25
USBI's EV-to-EBIT is ranked higher than
97% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. USBI: 4.25 )
USBI' s 10-Year EV-to-EBIT Range
Min: -213   Max: 60.4
Current: 4.25

-213
60.4
Shiller P/E 147.00
USBI's Shiller P/E is ranked higher than
76% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. USBI: 147.00 )
USBI' s 10-Year Shiller P/E Range
Min: 3.72   Max: 247.67
Current: 147

3.72
247.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.35
USBI's Dividend Yield is ranked lower than
95% of the 1880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.31 vs. USBI: 0.35 )
USBI' s 10-Year Dividend Yield Range
Min: 0.11   Max: 8.83
Current: 0.35

0.11
8.83
Dividend Payout 0.02
USBI's Dividend Payout is ranked higher than
100% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. USBI: 0.02 )
USBI' s 10-Year Dividend Payout Range
Min: 0.08   Max: 2.78
Current: 0.02

0.08
2.78
Dividend growth (3y) -100.00
USBI's Dividend growth (3y) is ranked higher than
56% of the 1131 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. USBI: -100.00 )
USBI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 42.8
Current: -100

0
42.8
Yield on cost (5-Year) 0.30
USBI's Yield on cost (5-Year) is ranked lower than
93% of the 1893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.58 vs. USBI: 0.30 )
USBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.11   Max: 8.83
Current: 0.3

0.11
8.83
Share Buyback Rate -0.10
USBI's Share Buyback Rate is ranked higher than
86% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. USBI: -0.10 )
USBI' s 10-Year Share Buyback Rate Range
Min: 3.4   Max: -18.5
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
USBI's Price/Tangible Book is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. USBI: 0.70 )
USBI' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 2.63
Current: 0.7

0.38
2.63
Price/DCF (Projected) 0.36
USBI's Price/DCF (Projected) is ranked higher than
95% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. USBI: 0.36 )
USBI' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.89
Current: 0.36

0.15
0.89
Price/Median PS Value 0.68
USBI's Price/Median PS Value is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. USBI: 0.68 )
USBI' s 10-Year Price/Median PS Value Range
Min: 0.25   Max: 6.23
Current: 0.68

0.25
6.23
Price/Graham Number 0.65
USBI's Price/Graham Number is ranked higher than
91% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. USBI: 0.65 )
USBI' s 10-Year Price/Graham Number Range
Min: 0.55   Max: 4.3
Current: 0.65

0.55
4.3
Earnings Yield (Greenblatt) 23.50
USBI's Earnings Yield (Greenblatt) is ranked higher than
96% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. USBI: 23.50 )
USBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 475
Current: 23.5

1.7
475
Forward Rate of Return (Yacktman) 27.27
USBI's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. USBI: 27.27 )
USBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.9   Max: 57.2
Current: 27.27

6.9
57.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
United Security Bancshares, Inc is a Delaware Corporation organized in 1999. The Company operates its banking subsidiary, First United Security Bank. The Bank conducts a general commercial banking business and offers banking services such as the receipt of demand, savings, individual retirement account and time deposits, personal and commercial loans, safe deposit box services and remote deposit capture. The Bank operates and serves its customers through nineteen banking offices located in Brent, Bucksville, Butler, Calera, Centreville, Coffeeville, Columbiana, Fulton, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa and Woodstock, Alabama. The Bank has two wholly-owned subsidiaries: Acceptance Loan Company, Inc. and FUSB Reinsurance, Inc. ALC is an Alabama corporation that makes real estate and consumer loans to its customers and purchases similar loans from vendors. FUSB Reinsurance is an Arizona corporation that underwrites credit life and credit accident and health insurance policies sold to the Bank's and ALC's consumer loan customers. The Bank competes with numerous other financial services providers including commercial banks, online banks, credit unions, finance companies, mutual funds, insurance companies, investment banking companies, brokerage firms and other financial intermediaries operating in Alabama and elsewhere. The Company and the Bank are subject to state and federal banking laws and regulations that impose specific requirements and restrictions on, and provide for general regulatory oversight with respect to, virtually all aspects of operations.
» More Articles for USBI

Headlines

Articles On GuruFocus.com
United Security Bancshares Inc. Reports Operating Results (10-K) Mar 15 2011 
United Security Bancshares Inc. Reports Operating Results (10-Q) Nov 08 2010 
United Security Bancshares Inc. Reports Operating Results (10-Q) Aug 09 2010 
United Security Bancshares, Inc. Declares Cash Dividend Aug 21 2009 
United Security Bancshares Inc. Reports Operating Results (10-Q) Aug 07 2009 
United Security Bancshares, Inc. Reports Second Quarter Results Jul 31 2009 
United Security Bancshares Inc. Reports Operating Results (10-Q) May 11 2009 
United Security Bancshares, Inc. Reports $5.4 Million in 2008 Net Income Feb 11 2009 

More From Other Websites
USBI Repurchase Plan Extension Press Release (12/19/2014) Dec 19 2014
UNITED SECURITY BANCSHARES INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 19 2014
United Security Bancshares, Inc. Announces Extension of Share Repurchase Program Dec 19 2014
4:50 pm United Security Bancshares announces extension of share repurchase program Dec 19 2014
First United Security Bank Announces Name Change to First US Bank Dec 19 2014
Nasdaq stocks posting largest volume decreases Dec 18 2014
2014 Q4 Dividend Press Release (11/21/2014) Nov 24 2014
United Security Bancshares, Inc. Declares Cash Dividend Nov 21 2014
UNITED SECURITY BANCSHARES INC Financials Nov 21 2014
10-Q for United Security Bancshares, Inc. (Alabama) Nov 15 2014
UNITED SECURITY BANCSHARES INC Files SEC form 10-Q, Quarterly Report Nov 13 2014
UNITED SECURITY BANCSHARES INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Nov 03 2014
United Security Bancshares, Inc. and First United Security Bank Elect New Directors Oct 31 2014
2014 Q3 USBI Press Release (10/29/14) Oct 30 2014
UNITED SECURITY BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 29 2014
United Security Bancshares, Inc. Reports Third Quarter Results Oct 29 2014
United Security Bancshares, Inc. Declares Cash Dividend Aug 29 2014
UNITED SECURITY BANCSHARES INC Files SEC form 10-Q, Quarterly Report Aug 13 2014
UNITED SECURITY BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 29 2014
United Security Bancshares, Inc. Reports Second Quarter Results Jul 29 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK