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 1.86
UCBA's Cash to Debt is ranked higher than
76% of the 1254 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. UCBA: 1.86 )
UCBA' s 10-Year Cash to Debt Range
Min: 1.12   Max: No Debt
Current: 1.86

Equity to Asset 0.14
UCBA's Equity to Asset is ranked higher than
90% of the 1643 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 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 1.04
UCBA's Interest Coverage is ranked higher than
64% of the 1455 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 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: 0.20
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
62% of the 1599 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.41 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
63% of the 1618 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 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
55% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 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
62% of the 1621 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
68% of the 1574 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.99 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
77% of the 1437 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

Insider Trades

Latest Guru Trades with UCBA



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 19.90
UCBA's P/E(ttm) is ranked higher than
64% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. UCBA: 19.90 )
UCBA' s 10-Year P/E(ttm) Range
Min: 17.27   Max: 112.51
Current: 19.9

17.27
112.51
P/B 0.80
UCBA's P/B is ranked higher than
85% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 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 3.55
UCBA's P/S is ranked higher than
66% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. UCBA: 3.55 )
UCBA' s 10-Year P/S Range
Min: 2.22   Max: 30.74
Current: 3.55

2.22
30.74
PFCF 7.80
UCBA's PFCF is ranked higher than
81% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 28.86 vs. UCBA: 7.80 )
UCBA' s 10-Year PFCF Range
Min: 4.85   Max: 64.77
Current: 7.8

4.85
64.77
EV-to-EBIT 12.17
UCBA's EV-to-EBIT is ranked higher than
82% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.41 vs. UCBA: 12.17 )
UCBA' s 10-Year EV-to-EBIT Range
Min: 1.1   Max: 51.9
Current: 12.17

1.1
51.9
PEG 0.60
UCBA's PEG is ranked higher than
91% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. UCBA: 0.60 )
UCBA' s 10-Year PEG Range
Min: 0.5   Max: 681.67
Current: 0.6

0.5
681.67
Shiller P/E 43.70
UCBA's Shiller P/E is ranked higher than
75% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 140.07 vs. UCBA: 43.70 )
UCBA' s 10-Year Shiller P/E Range
Min: 39.7   Max: 117.91
Current: 43.7

39.7
117.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.02
UCBA's Dividend Yield is ranked lower than
58% of the 1402 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.45 vs. UCBA: 2.02 )
UCBA' s 10-Year Dividend Yield Range
Min: 0.58   Max: 8.76
Current: 2.02

0.58
8.76
Dividend Payout 0.40
UCBA's Dividend Payout is ranked higher than
79% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. UCBA: 0.40 )
UCBA' s 10-Year Dividend Payout Range
Min: 0.3   Max: 3.3
Current: 0.4

0.3
3.3
Dividend growth (3y) -22.80
UCBA's Dividend growth (3y) is ranked higher than
58% of the 956 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.60 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) 1.06
UCBA's Yield on cost (5-Year) is ranked lower than
79% of the 1356 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.64 vs. UCBA: 1.06 )
UCBA' s 10-Year Yield on cost (5-Year) Range
Min: 0.31   Max: 4.62
Current: 1.06

0.31
4.62
Share Buyback Rate -0.10
UCBA's Share Buyback Rate is ranked higher than
86% of the 1237 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 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 0.90
UCBA's Price/Tangible Book is ranked higher than
86% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 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) 0.50
UCBA's Price/DCF (Projected) is ranked higher than
90% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.56 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 1.10
UCBA's Price/Median PS Value is ranked higher than
70% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. UCBA: 1.10 )
UCBA' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 8.57
Current: 1.1

0.7
8.57
Price/Graham Number 0.90
UCBA's Price/Graham Number is ranked higher than
77% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 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) 8.30
UCBA's Earnings Yield (Greenblatt) is ranked higher than
77% of the 1581 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. UCBA: 8.30 )
UCBA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.9   Max: 87.5
Current: 8.3

1.9
87.5
Forward Rate of Return (Yacktman) 6.42
UCBA's Forward Rate of Return (Yacktman) is ranked higher than
61% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.45 vs. UCBA: 6.42 )
UCBA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3   Max: 9.1
Current: 6.42

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.
» 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 
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 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
United Community Bancorp Announces The Appointment Of W. Michael McLaughlin As Chief Operating... Jun 26 2014
United Community Bancorp Reports Third Quarter Results Apr 30 2014
United Community Bancorp Announces Retirement of William F. Ritzmann Apr 25 2014
United Community Bancorp Announces Cash Dividend Apr 24 2014
United Community Bancorp Announces Stock Repurchase Program Feb 03 2014
United Community Bancorp Reports Second Quarter Results Jan 28 2014
United Community Bancorp Announces Cash Dividend Jan 23 2014
Faruqi & Faruqi, LLP Launches An Investigation Against United Community Bancorp (UCBA) For Potential... Jan 10 2014
United Community Bancorp Reports First Quarter Results Oct 30 2013
United Community Bancorp Announces Cash Dividend Oct 24 2013
United Community Bancorp Announces Annual Meeting Date Oct 21 2013
United Community Bancorp Announces Cash Dividend Aug 22 2013
United Community Bancorp Reports Fourth Quarter and Year End Results Aug 12 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

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)
Free 7-day Trial
FEEDBACK
Email Hide