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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 3.57
USBI's Cash to Debt is ranked higher than
52% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. USBI: 3.57 )
Ranked among companies with meaningful Cash to Debt only.
USBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.32 Max: 84.84
Current: 3.57
0.13
84.84
Equity to Asset 0.13
USBI's Equity to Asset is ranked higher than
75% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. USBI: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
USBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.13 Max: 0.14
Current: 0.13
0.11
0.14
Interest Coverage 1.55
USBI's Interest Coverage is ranked lower than
52% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. USBI: 1.55 )
Ranked among companies with meaningful Interest Coverage only.
USBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 1.33 Max: 2.11
Current: 1.55
0.44
2.11
F-Score: 3
M-Score: -2.68
WACC vs ROIC
3.87%
5.22%
WACC
ROIC
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 : 4/10

vs
industry
vs
history
Operating margin (%) 11.03
USBI's Operating margin (%) is ranked lower than
86% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. USBI: 11.03 )
Ranked among companies with meaningful Operating margin (%) only.
USBI' s Operating margin (%) Range Over the Past 10 Years
Min: -34.13  Med: 12.72 Max: 43.69
Current: 11.03
-34.13
43.69
Net-margin (%) 8.07
USBI's Net-margin (%) is ranked lower than
87% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. USBI: 8.07 )
Ranked among companies with meaningful Net-margin (%) only.
USBI' s Net-margin (%) Range Over the Past 10 Years
Min: -20.6  Med: 9.27 Max: 29.16
Current: 8.07
-20.6
29.16
ROE (%) 3.42
USBI's ROE (%) is ranked lower than
84% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. USBI: 3.42 )
Ranked among companies with meaningful ROE (%) only.
USBI' s ROE (%) Range Over the Past 10 Years
Min: -12.77  Med: 4.16 Max: 15.87
Current: 3.42
-12.77
15.87
ROA (%) 0.46
USBI's ROA (%) is ranked lower than
75% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. USBI: 0.46 )
Ranked among companies with meaningful ROA (%) only.
USBI' s ROA (%) Range Over the Past 10 Years
Min: -1.46  Med: 0.54 Max: 2.25
Current: 0.46
-1.46
2.25
Revenue Growth (3Y)(%) -8.30
USBI's Revenue Growth (3Y)(%) is ranked lower than
87% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. USBI: -8.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
USBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.4  Med: 2.30 Max: 138.7
Current: -8.3
-9.4
138.7
EBITDA Growth (3Y)(%) 4.90
USBI's EBITDA Growth (3Y)(%) is ranked lower than
55% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. USBI: 4.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
USBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.7  Med: 6.10 Max: 314.7
Current: 4.9
-30.7
314.7
EPS Growth (3Y)(%) 4.10
USBI's EPS Growth (3Y)(%) is ranked lower than
61% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. USBI: 4.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
USBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -69.8  Med: 4.10 Max: 28.2
Current: 4.1
-69.8
28.2
» USBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

USBI Guru Trades in Q1 2015

Jim Simons 20,500 sh (+4.06%)
» More
Q2 2015

USBI Guru Trades in Q2 2015

Jim Simons 23,300 sh (+13.66%)
» More
Q3 2015

USBI Guru Trades in Q3 2015

Jim Simons 34,000 sh (+45.92%)
» More
Q4 2015

USBI Guru Trades in Q4 2015

Jim Simons 39,200 sh (+15.29%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 21.00
USBI's P/E(ttm) is ranked lower than
81% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. USBI: 21.00 )
Ranked among companies with meaningful P/E(ttm) only.
USBI' s P/E(ttm) Range Over the Past 10 Years
Min: 10.22  Med: 14.58 Max: 291.04
Current: 21
10.22
291.04
PE(NRI) 21.00
USBI's PE(NRI) is ranked lower than
80% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. USBI: 21.00 )
Ranked among companies with meaningful PE(NRI) only.
USBI' s PE(NRI) Range Over the Past 10 Years
Min: 10.18  Med: 14.51 Max: 278.57
Current: 21
10.18
278.57
Price/Owner Earnings (ttm) 15.40
USBI's Price/Owner Earnings (ttm) is ranked lower than
70% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. USBI: 15.40 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
USBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.89  Med: 13.39 Max: 75.63
Current: 15.4
4.89
75.63
P/B 0.68
USBI's P/B is ranked higher than
76% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. USBI: 0.68 )
Ranked among companies with meaningful P/B only.
USBI' s P/B Range Over the Past 10 Years
Min: 0.25  Med: 0.76 Max: 2.5
Current: 0.68
0.25
2.5
P/S 1.69
USBI's P/S is ranked higher than
77% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. USBI: 1.69 )
Ranked among companies with meaningful P/S only.
USBI' s P/S Range Over the Past 10 Years
Min: 0.47  Med: 1.65 Max: 4.67
Current: 1.69
0.47
4.67
PFCF 14.54
USBI's PFCF is ranked lower than
69% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. USBI: 14.54 )
Ranked among companies with meaningful PFCF only.
USBI' s PFCF Range Over the Past 10 Years
Min: 1.97  Med: 8.82 Max: 49.35
Current: 14.54
1.97
49.35
POCF 7.35
USBI's POCF is ranked higher than
60% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. USBI: 7.35 )
Ranked among companies with meaningful POCF only.
USBI' s POCF Range Over the Past 10 Years
Min: 1.37  Med: 6.43 Max: 43.29
Current: 7.35
1.37
43.29
EV-to-EBIT 5.73
USBI's EV-to-EBIT is ranked higher than
86% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. USBI: 5.73 )
Ranked among companies with meaningful EV-to-EBIT only.
USBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -216.6  Med: 6.20 Max: 60.4
Current: 5.73
-216.6
60.4
EV-to-EBITDA 4.60
USBI's EV-to-EBITDA is ranked higher than
89% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. USBI: 4.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
USBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2416  Med: 5.05 Max: 48.6
Current: 4.6
-2416
48.6
Shiller P/E 19.39
USBI's Shiller P/E is ranked lower than
59% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. USBI: 19.39 )
Ranked among companies with meaningful Shiller P/E only.
USBI' s Shiller P/E Range Over the Past 10 Years
Min: 2.4  Med: 9.31 Max: 20.27
Current: 19.39
2.4
20.27

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.93
USBI's Dividend Yield is ranked lower than
91% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. USBI: 0.93 )
Ranked among companies with meaningful Dividend Yield only.
USBI' s Dividend Yield Range Over the Past 10 Years
Min: 0.11  Med: 3.24 Max: 8.83
Current: 0.93
0.11
8.83
Dividend Payout 0.19
USBI's Dividend Payout is ranked higher than
78% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. USBI: 0.19 )
Ranked among companies with meaningful Dividend Payout only.
USBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.05  Med: 0.40 Max: 18.57
Current: 0.19
0.05
18.57
Forward Dividend Yield 0.93
USBI's Forward Dividend Yield is ranked lower than
93% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. USBI: 0.93 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.93
USBI's Yield on cost (5-Year) is ranked lower than
89% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. USBI: 0.93 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
USBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.11  Med: 3.25 Max: 8.83
Current: 0.93
0.11
8.83
3-Year Average Share Buyback Ratio -1.60
USBI's 3-Year Average Share Buyback Ratio is ranked higher than
53% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. USBI: -1.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
USBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.5  Med: 0.40 Max: 3.4
Current: -1.6
-18.5
3.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.68
USBI's Price/Tangible Book is ranked higher than
77% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. USBI: 0.68 )
Ranked among companies with meaningful Price/Tangible Book only.
USBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 1.42 Max: 2.65
Current: 0.68
0.38
2.65
Price/Projected FCF 0.38
USBI's Price/Projected FCF is ranked higher than
81% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. USBI: 0.38 )
Ranked among companies with meaningful Price/Projected FCF only.
USBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.43 Max: 1.18
Current: 0.38
0.17
1.18
Price/Median PS Value 1.02
USBI's Price/Median PS Value is ranked lower than
51% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. USBI: 1.02 )
Ranked among companies with meaningful Price/Median PS Value only.
USBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.34  Med: 1.43 Max: 2.91
Current: 1.02
0.34
2.91
Price/Graham Number 0.80
USBI's Price/Graham Number is ranked higher than
52% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. USBI: 0.80 )
Ranked among companies with meaningful Price/Graham Number only.
USBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.55  Med: 1.03 Max: 4.33
Current: 0.8
0.55
4.33
Earnings Yield (Greenblatt) (%) 17.50
USBI's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. USBI: 17.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
USBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.7  Med: 8.60 Max: 473.6
Current: 17.5
1.7
473.6
Forward Rate of Return (Yacktman) (%) 29.11
USBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
81% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. USBI: 29.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
USBI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 9  Med: 22.65 Max: 57.2
Current: 29.11
9
57.2

More Statistics

Revenue(Mil) $32
EPS $ 0.41
Beta-0.05
Short Percentage of Float0.19%
52-Week Range $7.75 - 9.74
Shares Outstanding(Mil)6.04

Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:BNCC, NAS:SBFG, NAS:BOTJ, NAS:UBCP, NAS:EMCF » 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 NAS: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. Reports Operating Results (10-Q) Aug 07 2009 
United Security Bancshares Inc. Reports Operating Results (10-Q) May 11 2009 

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