Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.35
UCBA's Cash to Debt is ranked higher than
52% of the 1639 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.98 vs. UCBA: 2.35 )
Ranked among companies with meaningful Cash to Debt only.
UCBA' s Cash to Debt Range Over the Past 10 Years
Min: 1.12  Med: 7.84 Max: No Debt
Current: 2.35
Equity to Asset 0.13
UCBA's Equity to Asset is ranked higher than
75% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UCBA: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
UCBA' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.18
Current: 0.13
0.09
0.18
Interest Coverage 1.87
UCBA's Interest Coverage is ranked higher than
53% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. UCBA: 1.87 )
Ranked among companies with meaningful Interest Coverage only.
UCBA' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.85 Max: 1.87
Current: 1.87
0.11
1.87
F-Score: 7
M-Score: -2.50
WACC vs ROIC
4.62%
6.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 22.69
UCBA's Operating margin (%) is ranked lower than
69% of the 1678 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.78 vs. UCBA: 22.69 )
Ranked among companies with meaningful Operating margin (%) only.
UCBA' s Operating margin (%) Range Over the Past 10 Years
Min: -16.93  Med: 16.47 Max: 28.5
Current: 22.69
-16.93
28.5
Net-margin (%) 19.15
UCBA's Net-margin (%) is ranked lower than
62% of the 1677 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.15 vs. UCBA: 19.15 )
Ranked among companies with meaningful Net-margin (%) only.
UCBA' s Net-margin (%) Range Over the Past 10 Years
Min: -11.69  Med: 12.4 Max: 19.15
Current: 19.15
-11.69
19.15
ROE (%) 5.04
UCBA's ROE (%) is ranked lower than
73% of the 1675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.39 vs. UCBA: 5.04 )
Ranked among companies with meaningful ROE (%) only.
UCBA' s ROE (%) Range Over the Past 10 Years
Min: -2.49  Med: 3.31 Max: 5.04
Current: 5.04
-2.49
5.04
ROA (%) 0.67
UCBA's ROA (%) is ranked lower than
64% of the 1683 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.89 vs. UCBA: 0.67 )
Ranked among companies with meaningful ROA (%) only.
UCBA' s ROA (%) Range Over the Past 10 Years
Min: -0.38  Med: 0.43 Max: 0.68
Current: 0.67
-0.38
0.68
Revenue Growth (3Y)(%) 8.30
UCBA's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. UCBA: 8.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UCBA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -1.1 Max: 25.8
Current: 8.3
0
25.8
EBITDA Growth (3Y)(%) 8.60
UCBA's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 1253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. UCBA: 8.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UCBA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -0.55 Max: 36.5
Current: 8.6
0
36.5
EPS Growth (3Y)(%) 16.40
UCBA's EPS Growth (3Y)(%) is ranked higher than
74% of the 1231 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. UCBA: 16.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UCBA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 42.9
Current: 16.4
0
42.9
» UCBA's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-11-14)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with UCBA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:PBSK, AMEX:BKJ, NAS:ANCB, NAS:KFFB, NAS:HMNF, NAS:PBBI, OTCPK:GRRB, NAS:IROQ, NAS:MSBF, OTCPK:VLLX, OTCBB:NIDB, NAS:PBHC, NAS:JXSB, OTCPK:BHWB, NAS:LSBK, NAS:HFBC, NAS:GTWN, NAS:HFBL, NAS:BYFC, NAS:WAYN » details
United Community Bancorp is the holding company for United Community Bank. The Company, through the Bank, provides traditional banking services through its office and branches in Southeastern Indiana.

United Community Bancorp is an Indiana corporation incorporated in March 2011 to be the successor corporation to old United Community Bancorp, the former stock holding company for United Community Bank, upon completion of the mutual-to-stock conversion of United Community MHC, the former mutual holding company for United Community Bancorp. The Company's business activities consist of the ownership of the Bank's capital stock and the management of the offering proceeds it retained. The Company through its subsidiaries operates as a community-oriented financial institution offering banking services and products to consumers and businesses in its market areas. It attracts deposits from the general public and local municipalities and uses those funds to originate one- to four-family real estate, multi-family real estate and nonresidential real estate, construction, commercial and consumer loans. It sells fixed-rate one- to four-family residential conforming loans with terms of more than ten years that it originates is sold in the secondary market with the servicing retained. The Company has five branches located in Dearborn County and three branches located in adjacent Ripley County. The main sources of loan originations are existing customers, walk-in traffic, advertising and referrals from customers. The Company's competition for loans comes mainly from financial institutions in its market areas, and, to a lesser extent, from other financial service providers such as mortgage companies and mortgage brokers. Competition for loans also comes from non-depository financial service companies which have entered the mortgage market such as insurance companies, securities companies and specialty finance companies. The Company as a savings and loan holding company is subject to reporting to and regulation by the Federal Reserve Board.

Ratios

vs
industry
vs
history
P/E(ttm) 18.84
UCBA's P/E(ttm) is ranked lower than
69% of the 1557 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.95 vs. UCBA: 18.84 )
Ranked among companies with meaningful P/E(ttm) only.
UCBA' s P/E(ttm) Range Over the Past 10 Years
Min: 16.76  Med: 26.56 Max: 112.51
Current: 18.84
16.76
112.51
PE(NRI) 18.84
UCBA's PE(NRI) is ranked lower than
70% of the 1539 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.98 vs. UCBA: 18.84 )
Ranked among companies with meaningful PE(NRI) only.
UCBA' s PE(NRI) Range Over the Past 10 Years
Min: 16.76  Med: 26.46 Max: 110.53
Current: 18.84
16.76
110.53
Price/Owner Earnings (ttm) 24.60
UCBA's Price/Owner Earnings (ttm) is ranked lower than
81% of the 883 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.78 vs. UCBA: 24.60 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UCBA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 9.29  Med: 21.41 Max: 107.52
Current: 24.6
9.29
107.52
P/B 0.96
UCBA's P/B is ranked higher than
62% of the 1662 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. UCBA: 0.96 )
Ranked among companies with meaningful P/B only.
UCBA' s P/B Range Over the Past 10 Years
Min: 0.57  Med: 0.9 Max: 1.75
Current: 0.96
0.57
1.75
P/S 3.63
UCBA's P/S is ranked lower than
58% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. UCBA: 3.63 )
Ranked among companies with meaningful P/S only.
UCBA' s P/S Range Over the Past 10 Years
Min: 2.23  Med: 3.4 Max: 30.52
Current: 3.63
2.23
30.52
POCF 16.87
UCBA's POCF is ranked lower than
74% of the 925 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.51 vs. UCBA: 16.87 )
Ranked among companies with meaningful POCF only.
UCBA' s POCF Range Over the Past 10 Years
Min: 4.72  Med: 9.84 Max: 41.13
Current: 16.87
4.72
41.13
EV-to-EBIT 12.46
UCBA's EV-to-EBIT is ranked higher than
50% of the 1265 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.31 vs. UCBA: 12.46 )
Ranked among companies with meaningful EV-to-EBIT only.
UCBA' s EV-to-EBIT Range Over the Past 10 Years
Min: -103.2  Med: 12.6 Max: 52
Current: 12.46
-103.2
52
EV-to-EBITDA 11.08
UCBA's EV-to-EBITDA is ranked higher than
50% of the 1263 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.92 vs. UCBA: 11.08 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCBA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -43984.6  Med: 10.3 Max: 1839.8
Current: 11.08
-43984.6
1839.8
PEG 1.61
UCBA's PEG is ranked lower than
59% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. UCBA: 1.61 )
Ranked among companies with meaningful PEG only.
UCBA' s PEG Range Over the Past 10 Years
Min: 1.61  Med: 1.85 Max: 1.97
Current: 1.61
1.61
1.97
Shiller P/E 46.85
UCBA's Shiller P/E is ranked lower than
90% of the 502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.35 vs. UCBA: 46.85 )
Ranked among companies with meaningful Shiller P/E only.
UCBA' s Shiller P/E Range Over the Past 10 Years
Min: 40.91  Med: 45 Max: 50
Current: 46.85
40.91
50

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.47
UCBA's Dividend Yield is ranked lower than
78% of the 2376 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.79 vs. UCBA: 1.47 )
Ranked among companies with meaningful Dividend Yield only.
UCBA' s Dividend Yield Range Over the Past 10 Years
Min: 1.17  Med: 3.26 Max: 8.75
Current: 1.47
1.17
8.75
Dividend Payout 0.28
UCBA's Dividend Payout is ranked higher than
59% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. UCBA: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
UCBA' s Dividend Payout Range Over the Past 10 Years
Min: 0.25  Med: 0.87 Max: 3.04
Current: 0.28
0.25
3.04
Dividend Growth (3y) -5.80
UCBA's Dividend Growth (3y) is ranked lower than
81% of the 739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.00 vs. UCBA: -5.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
UCBA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -28.9 Max: 74.5
Current: -5.8
0
74.5
Forward Dividend Yield 1.49
UCBA's Forward Dividend Yield is ranked lower than
82% of the 2299 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. UCBA: 1.49 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.44
UCBA's Yield on cost (5-Year) is ranked lower than
99% of the 2629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. UCBA: 0.44 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UCBA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.35  Med: 0.98 Max: 2.64
Current: 0.44
0.35
2.64
3-Year Average Share Buyback Ratio 6.60
UCBA's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. UCBA: 6.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UCBA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0.1  Med: 3.6 Max: 0
Current: 6.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.01
UCBA's Price/Tangible Book is ranked higher than
63% of the 1660 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. UCBA: 1.01 )
Ranked among companies with meaningful Price/Tangible Book only.
UCBA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.7  Med: 0.94 Max: 1.71
Current: 1.01
0.7
1.71
Price/Projected FCF 0.59
UCBA's Price/Projected FCF is ranked higher than
67% of the 872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.74 vs. UCBA: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
UCBA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.55 Max: 0.82
Current: 0.59
0.44
0.82
Price/Median PS Value 1.08
UCBA's Price/Median PS Value is ranked higher than
56% of the 1450 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. UCBA: 1.08 )
Ranked among companies with meaningful Price/Median PS Value only.
UCBA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.66  Med: 0.99 Max: 8.02
Current: 1.08
0.66
8.02
Price/Peter Lynch Fair Value 1.99
UCBA's Price/Peter Lynch Fair Value is ranked lower than
78% of the 381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. UCBA: 1.99 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
UCBA' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.76  Med: 2.22 Max: 120.14
Current: 1.99
1.76
120.14
Price/Graham Number 0.92
UCBA's Price/Graham Number is ranked higher than
51% of the 1404 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.92 vs. UCBA: 0.92 )
Ranked among companies with meaningful Price/Graham Number only.
UCBA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.76  Med: 1.03 Max: 2.87
Current: 0.92
0.76
2.87
Earnings Yield (Greenblatt) (%) 8.00
UCBA's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1663 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. UCBA: 8.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UCBA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 7.2 Max: 87.5
Current: 8
1.9
87.5
Forward Rate of Return (Yacktman) (%) 15.47
UCBA's Forward Rate of Return (Yacktman) (%) is ranked higher than
60% of the 886 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.59 vs. UCBA: 15.47 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UCBA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 3  Med: 7.3 Max: 17.1
Current: 15.47
3
17.1

More Statistics

Revenue (TTM) (Mil) $18.34
EPS (TTM) $ 0.86
Beta0.04
Short Percentage of Float0.14%
52-Week Range $12.95 - 17.00
Shares Outstanding (Mil)4.20
» More Articles for UCBA

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: VICL, EXA, UCBA, YORW, MGI Jan 21 2013 
Weekly CFO Buys Highlight: EQU, UCBA, MMLP Jan 14 2013 
7 Small-Cap Dividend Stocks for Yield and Growth Sep 14 2011 

More From Other Websites
United Community Bancorp (Indiana) : UCBA-US: Dividend Analysis : November 23rd, 2016 (record date)... Dec 06 2016
UNITED COMMUNITY BANCORP Financials Nov 23 2016
UNITED COMMUNITY BANCORP ANNOUNCES CASH DIVIDEND Nov 14 2016
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events Nov 14 2016
United Community Bancorp Announces Cash Dividend Nov 10 2016
UNITED COMMUNITY BANCORP ANNOUNCES STOCK REPURCHASE PROGRAM Nov 07 2016
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 04 2016
United Community Bancorp Announces Stock Repurchase Program Nov 04 2016
United Community Bancorp (Indiana) :UCBA-US: Earnings Analysis: Q1, 2017 By the Numbers : November... Nov 03 2016
Current report, items 2.02 and 9.01 Acc-no: 0001144204-16-131018 (34 Act) Size: 153 KB Nov 02 2016
UNITED COMMUNITY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Nov 02 2016
United Community Bancorp Reports First Quarter Results Nov 01 2016
United Community Banks beats Street 3Q forecasts Oct 26 2016
United Community Banks beats Street 3Q forecasts Oct 26 2016
UNITED COMMUNITY BANCORP Files SEC form 10-K, Annual Report Sep 27 2016
United Community Bancorp (Indiana) :UCBA-US: Earnings Analysis: 2016 By the Numbers : August 26,... Aug 26 2016
United Community Bancorp (Indiana) :UCBA-US: Earnings Analysis: Q4, 2016 By the Numbers : August 15,... Aug 15 2016
UNITED COMMUNITY BANCORP ANNOUNCES CASH DIVIDEND Aug 12 2016
United Community Bancorp Reports Fourth Quarter and Year End Results Aug 12 2016
UNITED COMMUNITY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Other... Aug 12 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)