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Last $8.30 USD
Change Today +0.01 / 0.12%
Volume 16.8K
USBI On Other Exchanges
Symbol
Exchange
NASDAQ CM
As of 8:10 PM 04/24/15 All times are local (Market data is delayed by at least 15 minutes).

united security bancshares (USBI) Snapshot

Open
$8.26
Previous Close
$8.29
Day High
$8.30
Day Low
$8.26
52 Week High
10/21/14 - $8.99
52 Week Low
04/28/14 - $7.61
Market Cap
50.2M
Average Volume 10 Days
9.7K
EPS TTM
$0.58
Shares Outstanding
6.0M
EX-Date
03/10/15
P/E TM
14.3x
Dividend
$0.08
Dividend Yield
0.60%
Current Stock Chart for UNITED SECURITY BANCSHARES (USBI)

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united security bancshares (USBI) Details

United Security Bancshares, Inc. operates as the bank holding company for the First United Security Bank that provides commercial banking products and services to small and medium-sized businesses, property managers, business executives, professionals, and other individuals in Alabama. It operates through two segments, FUSB, and ALC and All Other. The company offers various deposit products, including demand deposits, savings accounts, NOW accounts, and money market demand accounts, as well as individual retirement accounts and time deposits. It also provides various real estate loans comprising construction loans for commercial and residential development, commercial buildings, and rental and owner occupied properties; other loans secured by real estate, such as one-to-four family dwellings, including mobile homes, loans on land only, multi-family dwellings, non-farm, non-residential real estate, and home equity loans; consumer loans consisting of loans to individuals for household, family, and other personal expenditures, including credit cards and other related credit plans; commercial, financial, agricultural loans, and loans to tax exempt entities, such as municipalities and counties; and overdraft lines of credit. In addition, it reinsures credit life, and credit accident and health insurance policies; and provides safe deposit box, remote deposit capture, online banking, online bill payment programs, and telephone banking services. As of June 30, 2014, the company operated and served its customers through 19 banking offices located in Brent, Bucksville, Butler, Calera, Centreville, Coffeeville, Columbiana, Fulton, Gilbertown, Grove Hill, Harpersville, Jackson, Thomasville, Tuscaloosa, and Woodstock, Alabama. United Security Bancshares, Inc. was founded in 1999 and is based in Thomasville, Alabama.

292 Employees
Last Reported Date: 03/12/15
Founded in 1999

united security bancshares (USBI) Top Compensated Officers

Chief Executive Officer, President, Director,...
Total Annual Compensation: $313.8K
Chief Executive Officer of Acceptance Loan Co...
Total Annual Compensation: $190.0K
Compensation as of Fiscal Year 2013.

united security bancshares (USBI) Key Developments

United Security Bancshares Inc., Annual General Meeting, Apr 24, 2015

United Security Bancshares Inc., Annual General Meeting, Apr 24, 2015., at 10:00 Central Standard Time. Location: Alabama Southern Community College. Agenda: To elect fifteen directors of USBI to serve for the ensuing year; to ratify the appointment of Carr, Riggs & Ingram, LLC as independent registered public accountants for the year ending December 31, 2015; to approve, on an advisory basis, USBI's executive compensation; and to transact such other business as may properly come before the Annual Meeting or any adjournments or postponements of such meeting.

United Security Bancshares, Inc. Declares Quarterly Cash Dividend, Payable April 1, 2015

United Security Bancshares Inc. announced that the board of directors, at a meeting held on February 27, 2015, declared a quarterly cash dividend of $0.02 per share. The dividend is payable April 1, 2015, to shareholders of record at the close of business on March 12, 2015.

United Security Bancshares Inc. Reports Unaudited Consolidated Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2014

United Security Bancshares Inc. reported unaudited consolidated earnings results for the fourth quarter and full year ended December 31, 2014. For the quarter, the company reported total interest income of $7,686,000 compared to $8,340,000 a year ago. The decline in interest income was due primarily to a decrease in total loans, offset partially by higher interest income from investment securities, compared with the fourth quarter of 2013. Net interest income was $7,050,000 compared to $7,663,000 a year ago. The decline in net interest income was due to a decrease in loans, combined with a 46 basis point decline in net interest margin, compared with the fourth quarter of 2013. Net interest margin was 5.40% in the fourth quarter of 2014, compared with 5.86% in the fourth quarter of 2013. Income before income taxes was $1,252,000 compared to $1,258,000 a year ago. Net income was $720,000 compared to $955,000 a year ago. Diluted net income per share was $0.02 compared to nil a year ago. For the year, the company reported total interest income of $31,361,000 compared to $33,636,000 a year ago. Net interest income was $28,808,000 compared to $30,731,000 a year ago. Net interest margin was 5.53% in 2014, compared with 5.95% in 2013. Income before income taxes was $5,378,000 compared to $5,436,000 a year ago. Net income was $3,549,000 compared to $3,927,000 a year ago. Diluted net income per share was $0.03 compared to nil a year ago. The reduction in net income in 2014 was due primarily to approximately $397,000 in non-cash, non-recurring adjustments that increased the provision for income taxes.

 

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Industry Analysis

USBI

Industry Average

Valuation USBI Industry Range
Price/Earnings 14.5x
Price/Sales 1.5x
Price/Book 0.7x
Price/Cash Flow 14.1x
TEV/Sales 0.3x
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