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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 4.19
USBI's Cash to Debt is ranked higher than
61% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. USBI: 4.19 )
Ranked among companies with meaningful Cash to Debt only.
USBI' s 10-Year Cash to Debt Range
Min: 0.1  Med: 0.29 Max: N/A
Current: 4.19
Equity to Asset 0.14
USBI's Equity to Asset is ranked higher than
80% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. USBI: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
USBI' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.13 Max: 0.14
Current: 0.14
0.11
0.14
Interest Coverage 2.11
USBI's Interest Coverage is ranked higher than
58% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. USBI: 2.11 )
Ranked among companies with meaningful Interest Coverage only.
USBI' s 10-Year Interest Coverage Range
Min: 0.44  Med: 0.91 Max: 2.11
Current: 2.11
0.44
2.11
F-Score: 3
WACC vs ROIC
5.43%
6.69%
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 (%) 14.47
USBI's Operating margin (%) is ranked lower than
81% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. USBI: 14.47 )
Ranked among companies with meaningful Operating margin (%) only.
USBI' s 10-Year Operating margin (%) Range
Min: -370.66  Med: 15.57 Max: 43.69
Current: 14.47
-370.66
43.69
Net-margin (%) 9.60
USBI's Net-margin (%) is ranked lower than
84% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. USBI: 9.60 )
Ranked among companies with meaningful Net-margin (%) only.
USBI' s 10-Year Net-margin (%) Range
Min: -20.6  Med: 21.66 Max: 325.38
Current: 9.6
-20.6
325.38
ROE (%) 4.24
USBI's ROE (%) is ranked lower than
78% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. USBI: 4.24 )
Ranked among companies with meaningful ROE (%) only.
USBI' s 10-Year ROE (%) Range
Min: -12.77  Med: 10.48 Max: 17.12
Current: 4.24
-12.77
17.12
ROA (%) 0.56
USBI's ROA (%) is ranked lower than
69% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. USBI: 0.56 )
Ranked among companies with meaningful ROA (%) only.
USBI' s 10-Year ROA (%) Range
Min: -1.46  Med: 1.38 Max: 2.28
Current: 0.56
-1.46
2.28
Revenue Growth (3Y)(%) -9.40
USBI's Revenue Growth (3Y)(%) is ranked lower than
86% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. USBI: -9.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
USBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -9.4  Med: 5.40 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

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
Q2 2015

USBI Guru Trades in Q2 2015

Jim Simons 23,300 sh (+13.66%)
» 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) 17.32
USBI's P/E(ttm) is ranked lower than
70% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. USBI: 17.32 )
Ranked among companies with meaningful P/E(ttm) only.
USBI' s 10-Year P/E(ttm) Range
Min: 10.22  Med: 14.35 Max: 291.04
Current: 17.32
10.22
291.04
Forward P/E 8.51
USBI's Forward P/E is ranked higher than
79% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. USBI: 8.51 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
USBI's PE(NRI) is ranked lower than
69% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. USBI: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
USBI' s 10-Year PE(NRI) Range
Min: 10.18  Med: 14.28 Max: 278.57
Current: 16.7
10.18
278.57
P/B 0.68
USBI's P/B is ranked higher than
80% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. USBI: 0.68 )
Ranked among companies with meaningful P/B only.
USBI' s 10-Year P/B Range
Min: 0.25  Med: 1.03 Max: 2.63
Current: 0.68
0.25
2.63
P/S 1.65
USBI's P/S is ranked higher than
81% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. USBI: 1.65 )
Ranked among companies with meaningful P/S only.
USBI' s 10-Year P/S Range
Min: 0.47  Med: 1.88 Max: 4.79
Current: 1.65
0.47
4.79
PFCF 14.09
USBI's PFCF is ranked lower than
64% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. USBI: 14.09 )
Ranked among companies with meaningful PFCF only.
USBI' s 10-Year PFCF Range
Min: 1.84  Med: 7.87 Max: 50.04
Current: 14.09
1.84
50.04
POCF 8.27
USBI's POCF is ranked higher than
56% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. USBI: 8.27 )
Ranked among companies with meaningful POCF only.
USBI' s 10-Year POCF Range
Min: 1.37  Med: 6.49 Max: 43.14
Current: 8.27
1.37
43.14
EV-to-EBIT 6.89
USBI's EV-to-EBIT is ranked higher than
86% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. USBI: 6.89 )
Ranked among companies with meaningful EV-to-EBIT only.
USBI' s 10-Year EV-to-EBIT Range
Min: -213  Med: 11.10 Max: 60.4
Current: 6.89
-213
60.4
Days Sales Outstanding 21.36
USBI's Days Sales Outstanding is ranked higher than
77% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. USBI: 21.36 )
Ranked among companies with meaningful Days Sales Outstanding only.
USBI' s 10-Year Days Sales Outstanding Range
Min: 24.06  Med: 43.78 Max: 523.68
Current: 21.36
24.06
523.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.81
USBI's Dividend Yield is ranked lower than
92% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. USBI: 0.81 )
Ranked among companies with meaningful Dividend Yield only.
USBI' s 10-Year Dividend Yield Range
Min: 0.11  Med: 3.24 Max: 8.83
Current: 0.81
0.11
8.83
Dividend Payout 0.14
USBI's Dividend Payout is ranked higher than
86% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. USBI: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
USBI' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.42 Max: 2.78
Current: 0.14
0.08
2.78
Dividend growth (3y) -9.10
USBI's Dividend growth (3y) is ranked lower than
81% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. USBI: -9.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
USBI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -24.90 Max: 42.8
Current: -9.1
0
42.8
Yield on cost (5-Year) 0.81
USBI's Yield on cost (5-Year) is ranked lower than
91% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. USBI: 0.81 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
USBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.11  Med: 3.24 Max: 8.83
Current: 0.81
0.11
8.83
Share Buyback Rate -1.10
USBI's Share Buyback Rate is ranked higher than
57% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. USBI: -1.10 )
Ranked among companies with meaningful Share Buyback Rate only.
USBI' s 10-Year Share Buyback Rate Range
Min: 3.4  Med: 0.40 Max: -18.5
Current: -1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.69
USBI's Price/Tangible Book is ranked higher than
82% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. USBI: 0.69 )
Ranked among companies with meaningful Price/Tangible Book only.
USBI' s 10-Year Price/Tangible Book Range
Min: 0.38  Med: 1.40 Max: 2.63
Current: 0.69
0.38
2.63
Price/Projected FCF 0.35
USBI's Price/Projected FCF is ranked higher than
82% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. USBI: 0.35 )
Ranked among companies with meaningful Price/Projected FCF only.
USBI' s 10-Year Price/Projected FCF Range
Min: 0.15  Med: 0.43 Max: 0.89
Current: 0.35
0.15
0.89
Price/Median PS Value 0.87
USBI's Price/Median PS Value is ranked higher than
79% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. USBI: 0.87 )
Ranked among companies with meaningful Price/Median PS Value only.
USBI' s 10-Year Price/Median PS Value Range
Min: 0.3  Med: 1.42 Max: 7.36
Current: 0.87
0.3
7.36
Price/Graham Number 0.71
USBI's Price/Graham Number is ranked higher than
66% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. USBI: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
USBI' s 10-Year Price/Graham Number Range
Min: 0.55  Med: 1.05 Max: 4.28
Current: 0.71
0.55
4.28
Earnings Yield (Greenblatt) (%) 14.55
USBI's Earnings Yield (Greenblatt) (%) is ranked higher than
87% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. USBI: 14.55 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
USBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.7  Med: 7.90 Max: 475
Current: 14.55
1.7
475
Forward Rate of Return (Yacktman) (%) 28.14
USBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
73% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. USBI: 28.14 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
USBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 6.9  Med: 22.80 Max: 57.2
Current: 28.14
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 

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