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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 : 7/10

vs
industry
vs
history
Cash to Debt 2.63
UCBA's Cash to Debt is ranked higher than
81% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. UCBA: 2.63 )
UCBA' s 10-Year Cash to Debt Range
Min: 1.12   Max: No Debt
Current: 2.63

Equity to Asset 0.13
UCBA's Equity to Asset is ranked higher than
89% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. UCBA: 0.13 )
UCBA' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.18
Current: 0.13

0.09
0.18
Interest Coverage 1.11
UCBA's Interest Coverage is ranked higher than
66% of the 1845 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. UCBA: 1.11 )
UCBA' s 10-Year Interest Coverage Range
Min: 0.11   Max: 1.11
Current: 1.11

0.11
1.11
F-Score: 4
Z-Score: 0.21
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 : 5/10

vs
industry
vs
history
Operating margin (%) 15.31
UCBA's Operating margin (%) is ranked higher than
57% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.47 vs. UCBA: 15.31 )
UCBA' s 10-Year Operating margin (%) Range
Min: -16.93   Max: 28.5
Current: 15.31

-16.93
28.5
Net-margin (%) 12.56
UCBA's Net-margin (%) is ranked higher than
59% of the 2032 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.42 vs. UCBA: 12.56 )
UCBA' s 10-Year Net-margin (%) Range
Min: -11.69   Max: 79.23
Current: 12.56

-11.69
79.23
ROE (%) 2.74
UCBA's ROE (%) is ranked higher than
55% of the 2042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.60 vs. UCBA: 2.74 )
UCBA' s 10-Year ROE (%) Range
Min: -2.49   Max: 11.31
Current: 2.74

-2.49
11.31
ROA (%) 0.38
UCBA's ROA (%) is ranked higher than
59% of the 2045 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. UCBA: 0.38 )
UCBA' s 10-Year ROA (%) Range
Min: -0.38   Max: 1.13
Current: 0.38

-0.38
1.13
ROC (Joel Greenblatt) (%) 35.36
UCBA's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 77.18 vs. UCBA: 35.36 )
UCBA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -32.31   Max: 102.91
Current: 35.36

-32.31
102.91
Revenue Growth (3Y)(%) -3.20
UCBA's Revenue Growth (3Y)(%) is ranked higher than
65% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. UCBA: -3.20 )
UCBA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 25.9
Current: -3.2

0
25.9
EBITDA Growth (3Y)(%) 11.50
UCBA's EBITDA Growth (3Y)(%) is ranked higher than
81% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. UCBA: 11.50 )
UCBA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 37.4
Current: 11.5

0
37.4
EPS Growth (3Y)(%) 26.90
UCBA's EPS Growth (3Y)(%) is ranked higher than
90% of the 1550 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. UCBA: 26.90 )
UCBA' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 41.9
Current: 26.9

0
41.9
» UCBA's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 27.90
UCBA's P/E(ttm) is ranked higher than
67% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.00 vs. UCBA: 27.90 )
UCBA' s 10-Year P/E(ttm) Range
Min: 17.27   Max: 112.51
Current: 27.9

17.27
112.51
P/B 0.80
UCBA's P/B is ranked higher than
89% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. UCBA: 0.80 )
UCBA' s 10-Year P/B Range
Min: 0.57   Max: 1.77
Current: 0.8

0.57
1.77
P/S 3.50
UCBA's P/S is ranked higher than
73% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.59 vs. UCBA: 3.50 )
UCBA' s 10-Year P/S Range
Min: 2.22   Max: 30.74
Current: 3.5

2.22
30.74
EV-to-EBIT 12.78
UCBA's EV-to-EBIT is ranked higher than
81% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.57 vs. UCBA: 12.78 )
UCBA' s 10-Year EV-to-EBIT Range
Min: -103.2   Max: 51.9
Current: 12.78

-103.2
51.9
Shiller P/E 40.00
UCBA's Shiller P/E is ranked higher than
78% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. UCBA: 40.00 )
UCBA' s 10-Year Shiller P/E Range
Min: 38.79   Max: 117.91
Current: 40

38.79
117.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.00
UCBA's Dividend Yield is ranked lower than
55% of the 1880 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.31 vs. UCBA: 2.00 )
UCBA' s 10-Year Dividend Yield Range
Min: 0.58   Max: 8.76
Current: 2

0.58
8.76
Dividend Payout 0.57
UCBA's Dividend Payout is ranked higher than
64% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.61 vs. UCBA: 0.57 )
UCBA' s 10-Year Dividend Payout Range
Min: 0.3   Max: 3.3
Current: 0.57

0.3
3.3
Dividend growth (3y) -28.90
UCBA's Dividend growth (3y) is ranked higher than
60% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.50 vs. UCBA: -28.90 )
UCBA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 12.3
Current: -28.9

0
12.3
Yield on cost (5-Year) 0.50
UCBA's Yield on cost (5-Year) is ranked lower than
90% of the 1893 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.58 vs. UCBA: 0.50 )
UCBA' s 10-Year Yield on cost (5-Year) Range
Min: 0.15   Max: 2.21
Current: 0.5

0.15
2.21
Share Buyback Rate 1.20
UCBA's Share Buyback Rate is ranked higher than
93% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. UCBA: 1.20 )
UCBA' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.2
Current: 1.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
UCBA's Price/Tangible Book is ranked higher than
90% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. UCBA: 0.80 )
UCBA' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 1.76
Current: 0.8

0.7
1.76
Price/DCF (Projected) 0.60
UCBA's Price/DCF (Projected) is ranked higher than
87% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.17 vs. UCBA: 0.60 )
UCBA' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 0.85
Current: 0.6

0.48
0.85
Price/Median PS Value 1.10
UCBA's Price/Median PS Value is ranked higher than
79% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.22 vs. UCBA: 1.10 )
UCBA' s 10-Year Price/Median PS Value Range
Min: 0.68   Max: 8.35
Current: 1.1

0.68
8.35
Price/Graham Number 1.00
UCBA's Price/Graham Number is ranked higher than
77% of the 2646 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. UCBA: 1.00 )
UCBA' s 10-Year Price/Graham Number Range
Min: 0.78   Max: 3.06
Current: 1

0.78
3.06
Earnings Yield (Greenblatt) 8.00
UCBA's Earnings Yield (Greenblatt) is ranked higher than
78% of the 2006 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. UCBA: 8.00 )
UCBA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 87.5
Current: 8

1.9
87.5

Analyst Estimate

Jun15
EPS($) 0.84
EPS without NRI($) 0.84

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
United Community Bancorp is an Indiana corporation that was 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.
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More From Other Websites
UNITED COMMUNITY BANCORP ANNOUNCES CASH DIVIDEND Dec 02 2014
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UNITED COMMUNITY BANCORP ANNOUNCES THEAPPOINTMENT OF CHAIRMAN OF THE BOARD OF DIRECTORS AND... Nov 03 2014
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Oct 10 2014
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UNITED COMMUNITY BANCORP Files SEC form 10-K, Annual Report Sep 26 2014
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UNITED COMMUNITY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Aug 07 2014
United Community Bancorp Reports Fourth Quarter and Year End Results Aug 06 2014
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events Jul 25 2014
United Community Bancorp Announces Cash Dividend Jul 24 2014
UNITED COMMUNITY BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Jul 02 2014
United Community Bancorp appoints W. Michael McLaughlin COO Jun 26 2014

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