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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 1.81
UCBA's Cash to Debt is ranked higher than
53% of the 974 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. UCBA: 1.81 )
UCBA' s 10-Year Cash to Debt Range
Min: 1.12   Max: No Debt
Current: 1.81

Equity to Asset 0.14
UCBA's Equity to Asset is ranked higher than
80% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UCBA: 0.14 )
UCBA' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.18
Current: 0.14

0.09
0.18
Interest Coverage 1.11
UCBA's Interest Coverage is ranked lower than
61% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 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: 5
Z-Score: 0.22
WACC vs ROIC
3.92%
3.71%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 15.89
UCBA's Operating margin (%) is ranked lower than
78% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.14 vs. UCBA: 15.89 )
UCBA' s 10-Year Operating margin (%) Range
Min: -16.93   Max: 28.5
Current: 15.89

-16.93
28.5
Net-margin (%) 13.84
UCBA's Net-margin (%) is ranked lower than
74% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.19 vs. UCBA: 13.84 )
UCBA' s 10-Year Net-margin (%) Range
Min: -11.69   Max: 79.23
Current: 13.84

-11.69
79.23
ROE (%) 3.05
UCBA's ROE (%) is ranked lower than
83% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. UCBA: 3.05 )
UCBA' s 10-Year ROE (%) Range
Min: -2.49   Max: 11.31
Current: 3.05

-2.49
11.31
ROA (%) 0.42
UCBA's ROA (%) is ranked lower than
74% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. UCBA: 0.42 )
UCBA' s 10-Year ROA (%) Range
Min: -0.38   Max: 1.13
Current: 0.42

-0.38
1.13
ROC (Joel Greenblatt) (%) 35.68
UCBA's ROC (Joel Greenblatt) (%) is ranked lower than
71% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. UCBA: 35.68 )
UCBA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -32.31   Max: 102.91
Current: 35.68

-32.31
102.91
Revenue Growth (3Y)(%) -3.20
UCBA's Revenue Growth (3Y)(%) is ranked lower than
73% of the 1131 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 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
64% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 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
82% of the 1000 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 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) 27.10
UCBA's P/E(ttm) is ranked lower than
101% of the 1210 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. UCBA: 27.10 )
UCBA' s 10-Year P/E(ttm) Range
Min: 17.27   Max: 112.51
Current: 27.1

17.27
112.51
Forward P/E 14.01
UCBA's Forward P/E is ranked lower than
78% of the 752 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.48 vs. UCBA: 14.01 )
N/A
PE(NRI) 27.30
UCBA's PE(NRI) is ranked lower than
87% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. UCBA: 27.30 )
UCBA' s 10-Year PE(NRI) Range
Min: 17.24   Max: 110.52
Current: 27.3

17.24
110.52
P/B 0.80
UCBA's P/B is ranked higher than
70% of the 1311 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 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 3.76
UCBA's P/S is ranked lower than
89% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. UCBA: 3.76 )
UCBA' s 10-Year P/S Range
Min: 2.22   Max: 30.74
Current: 3.76

2.22
30.74
POCF 6.79
UCBA's POCF is ranked higher than
62% of the 958 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. UCBA: 6.79 )
UCBA' s 10-Year POCF Range
Min: 4.71   Max: 58.5
Current: 6.79

4.71
58.5
EV-to-EBIT 19.91
UCBA's EV-to-EBIT is ranked lower than
68% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.37 vs. UCBA: 19.91 )
UCBA' s 10-Year EV-to-EBIT Range
Min: -103.2   Max: 51.9
Current: 19.91

-103.2
51.9
Shiller P/E 41.00
UCBA's Shiller P/E is ranked lower than
121% of the 759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.40 vs. UCBA: 41.00 )
UCBA' s 10-Year Shiller P/E Range
Min: 37.8   Max: 117.91
Current: 41

37.8
117.91
Days Sales Outstanding 42.76
UCBA's Days Sales Outstanding is ranked lower than
60% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.65 vs. UCBA: 42.76 )
UCBA' s 10-Year Days Sales Outstanding Range
Min: 12.87   Max: 62.6
Current: 42.76

12.87
62.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.83
UCBA's Dividend Yield is ranked lower than
111% of the 1339 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.50 vs. UCBA: 1.83 )
UCBA' s 10-Year Dividend Yield Range
Min: 0.58   Max: 8.76
Current: 1.83

0.58
8.76
Dividend Payout 0.50
UCBA's Dividend Payout is ranked lower than
89% of the 1089 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.28 vs. UCBA: 0.50 )
UCBA' s 10-Year Dividend Payout Range
Min: 0.3   Max: 3.3
Current: 0.5

0.3
3.3
Dividend growth (3y) -28.90
UCBA's Dividend growth (3y) is ranked lower than
89% of the 622 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 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) 0.70
UCBA's Yield on cost (5-Year) is ranked lower than
152% of the 1341 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.46 vs. UCBA: 0.70 )
UCBA' s 10-Year Yield on cost (5-Year) Range
Min: 0.23   Max: 3.41
Current: 0.7

0.23
3.41
Share Buyback Rate 1.20
UCBA's Share Buyback Rate is ranked higher than
83% of the 915 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 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 0.90
UCBA's Price/Tangible Book is ranked higher than
68% of the 1286 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. UCBA: 0.90 )
UCBA' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 1.76
Current: 0.9

0.7
1.76
Price/DCF (Projected) 0.70
UCBA's Price/DCF (Projected) is ranked lower than
62% of the 778 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.60 vs. UCBA: 0.70 )
UCBA' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 0.85
Current: 0.7

0.48
0.85
Price/Median PS Value 1.10
UCBA's Price/Median PS Value is ranked lower than
60% of the 1285 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. UCBA: 1.10 )
UCBA' s 10-Year Price/Median PS Value Range
Min: 0.67   Max: 8.31
Current: 1.1

0.67
8.31
Price/Graham Number 1.00
UCBA's Price/Graham Number is ranked lower than
73% of the 1193 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 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) 5.00
UCBA's Earnings Yield (Greenblatt) is ranked lower than
71% of the 1334 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. UCBA: 5.00 )
UCBA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 87.5
Current: 5

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.
» More Articles for UCBA

Headlines

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United Community Bancorp Reports Fourth Quarter and Year End Results Aug 07 2009 
United Community Bancorp Reports Second Quarter Results Jan 23 2009 

More From Other Websites
UNITED COMMUNITY BANCORP ANNOUNCES STOCK REPURCHASE PROGRAM May 19 2015
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 18 2015
United Community Bancorp Announces Stock Repurchase Program May 18 2015
UNITED COMMUNITY BANCORP ANNOUNCES CASH DIVIDEND May 15 2015
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events May 15 2015
United Community Bancorp Announces Cash Dividend May 14 2015
United Community Bancorp Reports Third Quarter Results May 07 2015
UNITED COMMUNITY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition May 07 2015
United Community Bancorp Reports Third Quarter Results May 06 2015
Nasdaq stocks posting largest volume decreases Apr 29 2015
UNITED COMMUNITY BANCORP Financials Feb 21 2015
UNITED COMMUNITY BANCORP Files SEC form 10-Q, Quarterly Report Feb 17 2015
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events Feb 13 2015
United Community Bancorp Announces Cash Dividend Feb 12 2015
United Community Bancorp Reports Second Quarter Results Feb 05 2015
UNITED COMMUNITY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Feb 04 2015
United Community Bancorp Reports Second Quarter Results Feb 03 2015
UNITED COMMUNITY BANCORP ANNOUNCES CASH DIVIDEND Dec 02 2014
UNITED COMMUNITY BANCORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 21 2014
UNITED COMMUNITY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 14 2014

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