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Profile - Union Financial Bancshs. (NasdaqNM:UFBS)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider
Recent Events
Aug 22Dividend payment of $0.10
Aug 17Price hit new 52-week high ($11.50)
Location
203 West Main Street
Union, SC 29379
Phone: (864) 429-1864
Fax: (864) 427-7531
Employees (last reported count): 75
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 17%
·Over the last 6 months:
 · one insider buy; 0  shares
 · one insider sell; 1,000  shares
  (0.3% of insider shares)
·Institutional: 3% (4% of float)
(6 institutions)
·Net Inst. Selling: 15.0K shares (+31.91%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Union Financial Bancshares, Inc. is the savings and loan holding company for Provident Community Bank. The business of the Bank consists primarily of attracting deposits from the general public and originating mortgage loans on residential properties located in Laurens, Union and Fairfield counties in South Carolina. The Bank also makes commercial real estate, construction and consumer loans and invests in obligations of the federal government and its agencies and of state and local municipalities. The Bank purchases both fixed and adjustable rate mortgage-backed securities issued by Freddie Mac, Fannie Mae and Ginnie Mae. The Bank has purchased fixed and variable rate mortgages originated by other organizations. The principal sources of funds for the Bank's lending activities include deposits received from the general public, interest and principal repayments on loans and, to a lesser extent, borrowings from the FHLB-Atlanta.
More from Market Guide: Expanded Business Description

Financial Summary
Union Financial Bancshares is a savings and loan holding company for Provident Community Bank. For the six months ended 3/31/01, total interest income increased 13% to $9.6 million. Net interest income after loan loss provision increased 4% to $3.5 million. Net income decreased 4% to $735 thousand. Net interest income reflects higher interest earning assets, partially offset by higher interest bearing liabilities. Net income reflects decreased services fees.

Recent Earnings Announcement
For the 3 months ended 06/30/2001, after tax earnings were 304. (Preliminary; reported in thousands of dollars.)

More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

Carl Mason, 56
Chairman of Directors
--  --  
Dwight Neese, 50
Pres and CEO
$203K$13K
Richard Flake, 52
CFO, Exec. VP
127K--  
Gerald Bolin, 38
COO, Sr. VP
--  --  
Wanda Wells, 44
VP, Corp. Sec.
--  --  
Dollar amounts are as of 30-Sep-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc.; "Exer" is the value of options excercised during the fiscal year.
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:UFBSAs of 31-Aug-2001
Price and Volume
52-Week Low
on 8-Sep-2000
$7.50 
Recent Price$10.50 
52-Week High
on 17-Aug-2001
$11.50 
Beta-0.15 
Daily Volume (3-month avg)636 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+40.0%
52-Week Change
relative to S&P500
+87.8%
Share-Related Items
Market Capitalization$20.1M
Shares Outstanding1.92M
Float1.60M
Dividends & Splits
Annual Dividend (indicated)$0.40 
Dividend Yield3.81%
Last Split: 21 for 20 on 27-Jan-1999
Per-Share Data
Book Value (mrq*)$11.95 
Earnings (ttm)$1.04 
Earnings (mrq)$0.16 
SalesN/A 
Cash (mrq*)$0.98 
Valuation Ratios
Price/Book (mrq*)0.88 
Price/Earnings (ttm)10.07 
Price/SalesN/A 
Income Statements
SalesN/A 
EBITDAN/A 
Income available to common (ttm)$2.01M
Profitability
Profit MarginN/A 
Operating Margin (ttm)37.1%
Fiscal Year
Fiscal Year EndsSep 30
Most recent quarter
(fully updated)
31-Mar-2001
Most recent quarter
(flash earnings)
30-June-2001
Management Effectiveness
Return on Assets (ttm)0.76%
Return on Equity (ttm)9.14%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$0 
Short Interest
As of 8-June-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, except mrq*/ttm* items as of 31-Mar-2001)

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