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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 : 6/10

vs
industry
vs
history
Cash to Debt 1.44
UCBA's Cash to Debt is ranked higher than
76% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. UCBA: 1.44 )
UCBA' s 10-Year Cash to Debt Range
Min: 1.12   Max: No Debt
Current: 1.44

Equity to Asset 0.15
UCBA's Equity to Asset is ranked higher than
88% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UCBA: 0.15 )
UCBA' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.18
Current: 0.15

0.09
0.18
Interest Coverage 1.04
UCBA's Interest Coverage is ranked higher than
65% of the 1357 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. UCBA: 1.04 )
UCBA' s 10-Year Interest Coverage Range
Min: 0.11   Max: 1.04
Current: 1.04

0.11
1.04
F-Score: 5
Z-Score: 0.19
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 : 7/10

vs
industry
vs
history
Operating margin (%) 20.53
UCBA's Operating margin (%) is ranked higher than
61% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.05 vs. UCBA: 20.53 )
UCBA' s 10-Year Operating margin (%) Range
Min: -16.93   Max: 28.5
Current: 20.53

-16.93
28.5
Net-margin (%) 15.08
UCBA's Net-margin (%) is ranked higher than
62% of the 1570 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.57 vs. UCBA: 15.08 )
UCBA' s 10-Year Net-margin (%) Range
Min: -11.69   Max: 27.06
Current: 15.08

-11.69
27.06
ROE (%) 3.49
UCBA's ROE (%) is ranked higher than
56% of the 1554 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.99 vs. UCBA: 3.49 )
UCBA' s 10-Year ROE (%) Range
Min: -2.67   Max: 10.73
Current: 3.49

-2.67
10.73
ROA (%) 0.50
UCBA's ROA (%) is ranked higher than
61% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. UCBA: 0.50 )
UCBA' s 10-Year ROA (%) Range
Min: -0.38   Max: 1.05
Current: 0.5

-0.38
1.05
ROC (Joel Greenblatt) (%) 52.38
UCBA's ROC (Joel Greenblatt) (%) is ranked higher than
65% of the 1437 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 78.30 vs. UCBA: 52.38 )
UCBA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -33.37   Max: 59.09
Current: 52.38

-33.37
59.09
Revenue Growth (%) 1.90
UCBA's Revenue Growth (%) is ranked higher than
75% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. UCBA: 1.90 )
UCBA' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 25.9
Current: 1.9

0
25.9
» 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) 19.80
UCBA's P/E(ttm) is ranked lower than
52% of the 1451 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.60 vs. UCBA: 19.80 )
UCBA' s 10-Year P/E(ttm) Range
Min: 17.27   Max: 112.51
Current: 19.8

17.27
112.51
P/B 0.80
UCBA's P/B is ranked higher than
82% of the 1479 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 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 3.35
UCBA's P/S is ranked lower than
55% of the 1638 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.80 vs. UCBA: 3.35 )
UCBA' s 10-Year P/S Range
Min: 2.22   Max: 30.74
Current: 3.35

2.22
30.74
PFCF 7.50
UCBA's PFCF is ranked higher than
58% of the 940 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. UCBA: 7.50 )
UCBA' s 10-Year PFCF Range
Min: 4.85   Max: 64.77
Current: 7.5

4.85
64.77
EV-to-EBIT 19.20
UCBA's EV-to-EBIT is ranked higher than
54% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.51 vs. UCBA: 19.20 )
UCBA' s 10-Year EV-to-EBIT Range
Min: 1.1   Max: 51.9
Current: 19.2

1.1
51.9
PEG 48.10
UCBA's PEG is ranked lower than
70% of the 848 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. UCBA: 48.10 )
UCBA' s 10-Year PEG Range
Min: 31.77   Max: 681.67
Current: 48.1

31.77
681.67
Shiller P/E 52.10
UCBA's Shiller P/E is ranked lower than
70% of the 841 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.71 vs. UCBA: 52.10 )
UCBA' s 10-Year Shiller P/E Range
Min: 48.62   Max: 117.91
Current: 52.1

48.62
117.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.14
UCBA's Dividend Yield is ranked lower than
54% of the 1312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.40 vs. UCBA: 2.14 )
UCBA' s 10-Year Dividend Yield Range
Min: 0.58   Max: 8.76
Current: 2.14

0.58
8.76
Dividend Payout 0.43
UCBA's Dividend Payout is ranked higher than
52% of the 1147 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.31 vs. UCBA: 0.43 )
UCBA' s 10-Year Dividend Payout Range
Min: 0.3   Max: 3.3
Current: 0.43

0.3
3.3
Dividend growth (3y) -22.80
UCBA's Dividend growth (3y) is ranked higher than
60% of the 809 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. UCBA: -22.80 )
UCBA' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 12.3
Current: -22.8

0
12.3
Yield on cost (5-Year) 1.16
UCBA's Yield on cost (5-Year) is ranked lower than
77% of the 1327 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. UCBA: 1.16 )
UCBA' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 4.62
Current: 1.16

0.31
4.62
Share Buyback Rate -0.10
UCBA's Share Buyback Rate is ranked higher than
86% of the 1170 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.70 vs. UCBA: -0.10 )
UCBA' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.2
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
UCBA's Price/Tangible Book is ranked higher than
89% of the 1380 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 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) 0.50
UCBA's Price/DCF (Projected) is ranked higher than
76% of the 902 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. UCBA: 0.50 )
UCBA' s 10-Year Price/DCF (Projected) Range
Min: 0.44   Max: 0.8
Current: 0.5

0.44
0.8
Price/Median PS Value 1.00
UCBA's Price/Median PS Value is ranked higher than
73% of the 1493 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. UCBA: 1.00 )
UCBA' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 8.57
Current: 1

0.7
8.57
Price/Graham Number 0.90
UCBA's Price/Graham Number is ranked higher than
66% of the 1365 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. UCBA: 0.90 )
UCBA' s 10-Year Price/Graham Number Range
Min: 0.78   Max: 3.06
Current: 0.9

0.78
3.06
Earnings Yield (Greenblatt) 5.20
UCBA's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1411 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. UCBA: 5.20 )
UCBA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 87.5
Current: 5.2

1.9
87.5
Forward Rate of Return (Yacktman) 6.98
UCBA's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1102 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.77 vs. UCBA: 6.98 )
UCBA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3   Max: 9.1
Current: 6.98

3
9.1

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, NYCB, PBCT, HCBK » details
United Community Bancorp was organized as a federal corporation upon completion of United Community Bank's reorganization into the mutual holding company form of organization on March 30, 2006. As a result of the Reorganization, United Community Bank became a wholly-owned subsidiary of United Community Bancorp and United Community Bancorp became a majority-owned subsidiary of United Community MHC, a federally chartered mutual holding company. It has six branches located in Dearborn County and three branches located in adjacent Ripley County. The Company attracts deposits from the general public and local municipalities and uses those funds to originate one- to four-family real estate, multi-family and nonresidential real estate and land, construction, commercial and consumer loans, which, with the exception of long-term fixed-rate one-to four-family real estate loans, it mainly holds for investment. The Company also maintains an investment portfolio. It offers non-deposit investment products through a third-party network arrangement with a registered broker-dealer. The Company originates loans for investment purposes. Significant segments of its loan portfolio are one- to four- family residential real estate loans, nonresidential real estate and land loans, multi-family residential real estate loans and consumer loans. It offers mortgage loans to enable borrowers to purchase or refinance existing homes, most of which serve as the primary residence of the owner. The Company's multi-family real estate loans are generally secured by apartment buildings. It also makes multi-family real estate loans secured by apartment buildings outside of its primary market area to existing customers. Nonresidential real estate loans are generally secured by commercial buildings. It originates fixed-rate and adjustable-rate loans to individuals and, to a lesser extent, builders to finance the construction of residential dwellings. The Company occasionally makes commercial business loans to professionals, sole proprietorships and small businesses in its market area. It offers a variety of consumer loans, mainly home equity loans and lines of credit, and, to a much lesser extent, loans secured by savings accounts or certificates of deposit (share loans), new farm and garden equipment, automobile and recreational vehicle loans and secured and unsecured personal loans. The Company also faces competition for investors' funds from money market funds, mutual funds and other corporate and government securities.

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