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Profile - U.S.B. Holding Co., Inc. (NYSE:UBH)
As of 31-Aug-2001
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Upcoming Events
Oct 15Dividend payment of $0.09
Location
100 Dutch Hill Road
Orangeburg, NY 10962
Phone: (845) 365-4600
Fax: (845) 365-4695
Employees (last reported count): 292
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 42%
·Over the last 6 months:
 · one insider buy; 0  shares
·Institutional: 5% (8% of float)
(52 institutions)
·Net Inst. Buying: 58.0K shares (+6.72%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
U.S.B. Holding Co., Inc. is a bank holding company engaged in providing banking and related financial services, primarily to customers in Rockland and Westchester Counties, New York, as well as lower Fairfield County Connecticut and New York City, New York. Union State Bank (the Bank), the Company's commercial banking subsidiary, offers a wide range of banking services that include checking accounts, NOW accounts, money market accounts, savings accounts, both passbook and statement, certificates of deposit, retirement accounts, commercial, personal, residential, construction, home equity (second mortgage) and condominium mortgage loans, as well as consumer loans, credit cards, safe deposit facilities and other consumer oriented financial services. The Bank also makes available to its customers automated teller machines (ATMs), lock-box services and has a remote banking service.
More from Market Guide: Expanded Business Description

Financial Summary
U.S.B. Holding Co., a bank holding Co., provides financial services through wholly owned subsidiaries, including full-service commercial and retail banking. For the six months ended 6/30/01, interest income rose 4% to $67.7 million. Net interest income after loan loss prov. fell 1% to $28.9 million. Net income applicable to Common rose 1% to $10.2 million. Results reflect lower net interest spread and margins, offset by a $1.5 million gain on the sale of securities.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Compensation
PayExer

Thomas Hales, 64
Chairman and CEO and Pres of the Company and the Bank
$2.0M$1.8M
Raymond Crotty, 53
Sr. Exec. VP, CCO & Assistant Sec. & Director of the Compan
458K95K
Michael Fury, 74
Sec., Director of the Company and the Bank
--  --  
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.; "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 -- NYSE:UBHAs of 31-Aug-2001
Price and Volume
52-Week Low
on 21-Dec-2000
$9.688
Recent Price$14.70 
52-Week High
on 29-June-2001
$15.25 
Beta0.65 
Daily Volume (3-month avg)7,727 
Daily Volume (10-day avg)4,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+12.0%
52-Week Change
relative to S&P500
+50.3%
Share-Related Items
Market Capitalization$245.9M
Shares Outstanding16.7M
Float9.70M
Dividends & Splits
Annual Dividend (indicated)$0.36 
Dividend Yield2.45%
Last Split: 21 for 20 on 27-Apr-2000
Per-Share Data
Book Value (mrq)$7.54 
Earnings (ttm)$1.16 
Earnings (mrq)$0.30 
Sales (ttm)$8.09 
Cash (mrq)$2.07 
Valuation Ratios
Price/Book (mrq)1.95 
Price/Earnings (ttm)12.71 
Price/Sales (ttm)1.82 
Income Statements
Sales (ttm)$138.1M
EBITDAN/A 
Income available to common (ttm)$19.7M
Profitability
Profit Margin (ttm)14.3%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.06%
Return on Equity (ttm)17.04%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$34.6M
Short Interest
As of 8-Aug-2001
Shares Short137.0K
Percent of Float1.4%
Shares Short
(Prior Month)
144.0K
Short Ratio19.57 
Daily Volume7,000 
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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