Bank holding company that through its subsidiaries engages in community banking and mortgage banking and offers a full range of commercial and retail banking services and products.
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The financial sector has some attractive players, but this isn't one of them. If current management were to strike out and be more aggressive with product offerings, growth would occur. For now, management is more concerned with growing its own bank accounts. So the S&P will leave this one in the dust. Too bad - UBSI has lots of growth potential.