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Profile - United Financial Corp (NasdaqNM:UBMT)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Recent Events
Aug 20Dividend payment of $0.26
Aug 17Price hit new 52-week high ($19.50)
Location
P.O. Box 2779, 120 1st Avenue North
Great Falls, MT 59403
Phone: (406) 727-6106
Fax: (406) 453-3301
Employees (last reported count): 114
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 39%
·Over the last 6 months:
 · 3 insider buys; 2,000  shares (0.3% of insider shares)
 · one insider sell; 0  shares
·Institutional: 1% (1% of float)
(8 institutions)
·Net Inst. Selling: 1,000  shares (+9.09%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
United Financial Corp. (UFC) is a bank holding company with operations in 12 Montana communities, and Phoenix and Scottsdale, Arizona. In 2000, UFC's banking business was conducted through its wholly owned subsidiaries, Heritage Bank F.S.B. (Heritage Bank) and Heritage State Bank (State Bank), and Valley Bank of Arizona (Valley Bank), the wholly owned subsidiary of Valley Bancorp, Inc. (Valley). The Banks are engaged in the community banking business of attracting deposits from the general public through their offices and using those deposits, together with other available funds, to originate commercial (including lease financing), commercial real estate, residential, agricultural and consumer loans primarily in their market areas in Montana. A majority of the Banks' banking business is conducted in the Great Falls and Phoenix areas.
More from Market Guide: Expanded Business Description

Financial Summary
United Financial Corp. is a bank holding company headquartered in Great Falls, Montana, with operations in 12 other Montana communities. For the six months ended 6/30/01, total interest income rose 12% to $13.6 million. Net interest income after loan loss prov. rose 10% to $5.2 million. Net income rose 4% to $1.2 million. Results reflect growth in the loan portfolio, partially offset by higher interest on deposits and higher compensation and benefits expense.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

John Morrison, 64
Chairman
--  
Kurt Weise, 44
Pres, CEO
--  
Steve Feurt, 45
Director; CCO, Sr. VP of the Banks
$145K
Kevin Clark, 45
Sec., Sr. VP, Director
158K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:UBMTAs of 31-Aug-2001
Price and Volume
52-Week Low
on 10-Oct-2000
$14.00 
Recent Price$18.15 
52-Week High
on 17-Aug-2001
$19.50 
Beta0.16 
Daily Volume (3-month avg)545 
Daily Volume (10-day avg)0 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+21.0%
52-Week Change
relative to S&P500
+62.3%
Share-Related Items
Market Capitalization$27.0M
Shares Outstanding1.49M
Float900.0K
Dividends & Splits
Annual Dividend (indicated)$1.04 
Dividend Yield5.73%
Last Splitnone 
Per-Share Data
Book Value (mrq)$19.06 
Earnings (ttm)$1.28 
Earnings (mrq)$0.41 
Sales (ttm)$16.75 
Cash (mrq)$15.93 
Valuation Ratios
Price/Book (mrq)0.95 
Price/Earnings (ttm)14.14 
Price/Sales (ttm)1.08 
Income Statements
Sales (ttm)$26.9M
EBITDAN/A 
Income available to common (ttm)$2.06M
Profitability
Profit Margin (ttm)8.2%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.60%
Return on Equity (ttm)6.98%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$23.7M
Short Interest
As of 9-July-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume1,000 
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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