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 5.34
USBI's Cash to Debt is ranked higher than
63% of the 972 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.45 vs. USBI: 5.34 )
Ranked among companies with meaningful Cash to Debt only.
USBI' s 10-Year Cash to Debt Range
Min: 0.1   Max: 171.93
Current: 5.34

0.1
171.93
Equity to Asset 0.13
USBI's Equity to Asset is ranked higher than
75% of the 1285 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 10-Year Equity to Asset Range
Min: 0.11   Max: 0.14
Current: 0.13

0.11
0.14
Interest Coverage 2.11
USBI's Interest Coverage is ranked higher than
57% of the 1197 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. USBI: 2.11 )
Ranked among companies with meaningful Interest Coverage only.
USBI' s 10-Year Interest Coverage Range
Min: 0.44   Max: 2.11
Current: 2.11

0.44
2.11
F-Score: 4
Z-Score: 0.38
WACC vs ROIC
8.82%
9.15%
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 (%) 16.44
USBI's Operating margin (%) is ranked lower than
77% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.14 vs. USBI: 16.44 )
Ranked among companies with meaningful Operating margin (%) only.
USBI' s 10-Year Operating margin (%) Range
Min: -279.11   Max: 43.69
Current: 16.44

-279.11
43.69
Net-margin (%) 10.76
USBI's Net-margin (%) is ranked lower than
80% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. USBI: 10.76 )
Ranked among companies with meaningful Net-margin (%) only.
USBI' s 10-Year Net-margin (%) Range
Min: -20.6   Max: 281.76
Current: 10.76

-20.6
281.76
ROE (%) 4.89
USBI's ROE (%) is ranked lower than
73% of the 1345 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. USBI: 4.89 )
Ranked among companies with meaningful ROE (%) only.
USBI' s 10-Year ROE (%) Range
Min: -12.77   Max: 17.12
Current: 4.89

-12.77
17.12
ROA (%) 0.63
USBI's ROA (%) is ranked lower than
62% of the 1352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. USBI: 0.63 )
Ranked among companies with meaningful ROA (%) only.
USBI' s 10-Year ROA (%) Range
Min: -1.46   Max: 2.28
Current: 0.63

-1.46
2.28
ROC (Joel Greenblatt) (%) 57.23
USBI's ROC (Joel Greenblatt) (%) is ranked lower than
58% of the 1334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.42 vs. USBI: 57.23 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
USBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -317.92   Max: 148.12
Current: 57.23

-317.92
148.12
Revenue Growth (3Y)(%) -9.40
USBI's Revenue Growth (3Y)(%) is ranked lower than
85% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. USBI: -9.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
USBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.4   Max: 139.7
Current: -9.4

-9.4
139.7
» USBI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

USBI Guru Trades in Q4 2014

Jim Simons 19,700 sh (+7.07%)
» More
Q1 2015

USBI Guru Trades in Q1 2015

Jim Simons 20,500 sh (+4.06%)
» 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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.20
USBI's P/E(ttm) is ranked lower than
51% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. USBI: 14.20 )
Ranked among companies with meaningful P/E(ttm) only.
USBI' s 10-Year P/E(ttm) Range
Min: 9.94   Max: 291.04
Current: 14.2

9.94
291.04
Forward P/E 8.51
USBI's Forward P/E is ranked higher than
81% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. USBI: 8.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.20
USBI's PE(NRI) is ranked lower than
51% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. USBI: 14.20 )
Ranked among companies with meaningful PE(NRI) only.
USBI' s 10-Year PE(NRI) Range
Min: 9.96   Max: 278.57
Current: 14.2

9.96
278.57
P/B 0.70
USBI's P/B is ranked higher than
82% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. USBI: 0.70 )
Ranked among companies with meaningful P/B only.
USBI' s 10-Year P/B Range
Min: 0.25   Max: 2.63
Current: 0.7

0.25
2.63
P/S 1.50
USBI's P/S is ranked higher than
85% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. USBI: 1.50 )
Ranked among companies with meaningful P/S only.
USBI' s 10-Year P/S Range
Min: 0.47   Max: 4.79
Current: 1.5

0.47
4.79
PFCF 8.90
USBI's PFCF is ranked higher than
57% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.80 vs. USBI: 8.90 )
Ranked among companies with meaningful PFCF only.
USBI' s 10-Year PFCF Range
Min: 1.84   Max: 50.04
Current: 8.9

1.84
50.04
POCF 6.35
USBI's POCF is ranked higher than
63% of the 961 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. USBI: 6.35 )
Ranked among companies with meaningful POCF only.
USBI' s 10-Year POCF Range
Min: 1.37   Max: 43.14
Current: 6.35

1.37
43.14
EV-to-EBIT 4.58
USBI's EV-to-EBIT is ranked higher than
92% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.34 vs. USBI: 4.58 )
Ranked among companies with meaningful EV-to-EBIT only.
USBI' s 10-Year EV-to-EBIT Range
Min: -213   Max: 60.4
Current: 4.58

-213
60.4
Shiller P/E 198.90
USBI's Shiller P/E is ranked lower than
99% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. USBI: 198.90 )
Ranked among companies with meaningful Shiller P/E only.
USBI' s 10-Year Shiller P/E Range
Min: 3.72   Max: 247.67
Current: 198.9

3.72
247.67
Days Sales Outstanding 21.12
USBI's Days Sales Outstanding is ranked higher than
80% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. USBI: 21.12 )
Ranked among companies with meaningful Days Sales Outstanding only.
USBI' s 10-Year Days Sales Outstanding Range
Min: 24.06   Max: 378.99
Current: 21.12

24.06
378.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.60
USBI's Dividend Yield is ranked lower than
97% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. USBI: 0.60 )
Ranked among companies with meaningful Dividend Yield only.
USBI' s 10-Year Dividend Yield Range
Min: 0.11   Max: 8.83
Current: 0.6

0.11
8.83
Dividend Payout 0.09
USBI's Dividend Payout is ranked higher than
95% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. USBI: 0.09 )
Ranked among companies with meaningful Dividend Payout only.
USBI' s 10-Year Dividend Payout Range
Min: 0.08   Max: 2.78
Current: 0.09

0.08
2.78
Dividend growth (3y) -9.10
USBI's Dividend growth (3y) is ranked lower than
81% of the 623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. USBI: -9.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
USBI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 42.8
Current: -9.1

0
42.8
Yield on cost (5-Year) 0.60
USBI's Yield on cost (5-Year) is ranked lower than
97% of the 2099 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. USBI: 0.60 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
USBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.11   Max: 8.83
Current: 0.6

0.11
8.83
Share Buyback Rate -1.10
USBI's Share Buyback Rate is ranked higher than
53% of the 917 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. USBI: -1.10 )
Ranked among companies with meaningful Share Buyback Rate only.
USBI' s 10-Year Share Buyback Rate Range
Min: 3.4   Max: -18.5
Current: -1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.70
USBI's Price/Tangible Book is ranked higher than
89% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. USBI: 0.70 )
Ranked among companies with meaningful Price/Tangible Book only.
USBI' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 2.63
Current: 0.7

0.38
2.63
Price/DCF (Projected) 0.30
USBI's Price/DCF (Projected) is ranked higher than
86% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. USBI: 0.30 )
Ranked among companies with meaningful Price/DCF (Projected) only.
USBI' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.89
Current: 0.3

0.15
0.89
Price/Median PS Value 0.70
USBI's Price/Median PS Value is ranked higher than
93% of the 1616 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. USBI: 0.70 )
Ranked among companies with meaningful Price/Median PS Value only.
USBI' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 6.75
Current: 0.7

0.28
6.75
Price/Graham Number 0.60
USBI's Price/Graham Number is ranked higher than
82% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. USBI: 0.60 )
Ranked among companies with meaningful Price/Graham Number only.
USBI' s 10-Year Price/Graham Number Range
Min: 0.55   Max: 4.3
Current: 0.6

0.55
4.3
Earnings Yield (Greenblatt) 22.00
USBI's Earnings Yield (Greenblatt) is ranked higher than
92% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. USBI: 22.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
USBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.7   Max: 475
Current: 22

1.7
475
Forward Rate of Return (Yacktman) 28.42
USBI's Forward Rate of Return (Yacktman) is ranked higher than
70% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. USBI: 28.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
USBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.9   Max: 57.2
Current: 28.42

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
2015 Q2 USBI Press Release (05/28/2015) May 29 2015
United Security Bancshares, Inc. Declares Cash Dividend May 28 2015
UNITED SECURITY BANCSHARES INC Financials May 22 2015
10-Q for United Security Bancshares, Inc. (Alabama) May 16 2015
UNITED SECURITY BANCSHARES INC Files SEC form 10-Q, Quarterly Report May 14 2015
10-K for United Security Bancshares, Inc. (Alabama) May 06 2015
2015 Q1 USBI Press Release (04/30/2015) May 01 2015
UNITED SECURITY BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 30 2015
United Security Bancshares, Inc. Reports Improved First Quarter Results Apr 30 2015
Nasdaq stocks posting largest volume decreases Apr 29 2015
UNITED SECURITY BANCSHARES INC Files SEC form 8-K, Submission of Matters to a Vote of Security... Apr 29 2015
UNITED SECURITY BANCSHARES INC Files SEC form 10-K, Annual Report Mar 12 2015
2015 Q1 Dividend Press Release (03/02/2015) Mar 02 2015
United Security Bancshares, Inc. Declares Cash Dividend Mar 02 2015
UNITED SECURITY BANCSHARES INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 29 2015
United Security Bancshares, Inc. Reports Fourth Quarter and Year End Results Jan 29 2015
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
First United Security Bank Announces Name Change to First US Bank Dec 19 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)
FEEDBACK