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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 0.15
UCFC's Cash to Debt is ranked higher than
51% of the 1748 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.86 vs. UCFC: 0.15 )
UCFC' s 10-Year Cash to Debt Range
Min: 0.04   Max: No Debt
Current: 0.15

Equity to Asset 0.13
UCFC's Equity to Asset is ranked higher than
87% of the 2312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. UCFC: 0.13 )
UCFC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.37
Current: 0.13

0.08
0.37
Interest Coverage 0.89
UCFC's Interest Coverage is ranked higher than
64% of the 2185 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. UCFC: 0.89 )
UCFC' s 10-Year Interest Coverage Range
Min: 0.01   Max: 0.89
Current: 0.89

0.01
0.89
F-Score: 5
Z-Score: 0.28
WACC vs ROIC
10.89%
15.94%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 20.38
UCFC's Operating margin (%) is ranked higher than
61% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.22 vs. UCFC: 20.38 )
UCFC' s 10-Year Operating margin (%) Range
Min: -51.2   Max: 31.63
Current: 20.38

-51.2
31.63
Net-margin (%) 76.93
UCFC's Net-margin (%) is ranked higher than
99% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.12 vs. UCFC: 76.93 )
UCFC' s 10-Year Net-margin (%) Range
Min: -44.63   Max: 77.05
Current: 76.93

-44.63
77.05
ROE (%) 22.60
UCFC's ROE (%) is ranked higher than
97% of the 2426 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.98 vs. UCFC: 22.60 )
UCFC' s 10-Year ROE (%) Range
Min: -18.83   Max: 24.18
Current: 22.6

-18.83
24.18
ROA (%) 2.87
UCFC's ROA (%) is ranked higher than
96% of the 2433 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. UCFC: 2.87 )
UCFC' s 10-Year ROA (%) Range
Min: -1.64   Max: 2.81
Current: 2.87

-1.64
2.81
ROC (Joel Greenblatt) (%) 22.45
UCFC's ROC (Joel Greenblatt) (%) is ranked higher than
56% of the 2392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 89.92 vs. UCFC: 22.45 )
UCFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -165.89   Max: 372.49
Current: 22.45

-165.89
372.49
Revenue Growth (3Y)(%) -23.00
UCFC's Revenue Growth (3Y)(%) is ranked higher than
50% of the 2094 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. UCFC: -23.00 )
UCFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -23   Max: 52.9
Current: -23

-23
52.9
EBITDA Growth (3Y)(%) 60.90
UCFC's EBITDA Growth (3Y)(%) is ranked higher than
98% of the 1872 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.10 vs. UCFC: 60.90 )
UCFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -28.1   Max: 71
Current: 60.9

-28.1
71
EPS Growth (3Y)(%) 364.20
UCFC's EPS Growth (3Y)(%) is ranked higher than
100% of the 1904 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.20 vs. UCFC: 364.20 )
UCFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -37.7   Max: 364.2
Current: 364.2

-37.7
364.2
» UCFC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

UCFC Guru Trades in Q2 2014

Jim Simons 140,504 sh (+3.31%)
» More
Q3 2014

UCFC Guru Trades in Q3 2014

Jim Simons 195,504 sh (+39.14%)
» More
Q4 2014

UCFC Guru Trades in Q4 2014

Jim Simons 345,104 sh (+76.52%)
» More
Q1 2015

UCFC Guru Trades in Q1 2015

Jim Simons 477,004 sh (+38.22%)
» More
» Details

Insider Trades

Latest Guru Trades with UCFC

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

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Ratios

vs
industry
vs
history
P/E(ttm) 5.30
UCFC's P/E(ttm) is ranked higher than
98% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. UCFC: 5.30 )
UCFC' s 10-Year P/E(ttm) Range
Min: 3.94   Max: 670
Current: 5.3

3.94
670
Forward P/E 15.72
UCFC's Forward P/E is ranked higher than
74% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. UCFC: 15.72 )
N/A
PE(NRI) 5.40
UCFC's PE(NRI) is ranked higher than
98% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.40 vs. UCFC: 5.40 )
UCFC' s 10-Year PE(NRI) Range
Min: 3.96   Max: 134
Current: 5.4

3.96
134
P/B 1.10
UCFC's P/B is ranked higher than
77% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.40 vs. UCFC: 1.10 )
UCFC' s 10-Year P/B Range
Min: 0.06   Max: 1.63
Current: 1.1

0.06
1.63
P/S 4.04
UCFC's P/S is ranked higher than
59% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.73 vs. UCFC: 4.04 )
UCFC' s 10-Year P/S Range
Min: 0.18   Max: 4.22
Current: 4.04

0.18
4.22
EV-to-EBIT 29.18
UCFC's EV-to-EBIT is ranked higher than
65% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.17 vs. UCFC: 29.18 )
UCFC' s 10-Year EV-to-EBIT Range
Min: -22.2   Max: 624.8
Current: 29.18

-22.2
624.8
Days Sales Outstanding 28.23
UCFC's Days Sales Outstanding is ranked higher than
91% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. UCFC: 28.23 )
UCFC' s 10-Year Days Sales Outstanding Range
Min: 27.38   Max: 46.55
Current: 28.23

27.38
46.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.73
UCFC's Dividend Yield is ranked lower than
89% of the 2288 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.49 vs. UCFC: 0.73 )
UCFC' s 10-Year Dividend Yield Range
Min: 0.19   Max: 27.06
Current: 0.73

0.19
27.06
Dividend Payout 0.03
UCFC's Dividend Payout is ranked higher than
99% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. UCFC: 0.03 )
UCFC' s 10-Year Dividend Payout Range
Min: 0.14   Max: 7.3
Current: 0.03

0.14
7.3
Yield on cost (5-Year) 0.70
UCFC's Yield on cost (5-Year) is ranked lower than
88% of the 2296 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.82 vs. UCFC: 0.70 )
UCFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.19   Max: 27.06
Current: 0.7

0.19
27.06
Share Buyback Rate -17.40
UCFC's Share Buyback Rate is ranked higher than
53% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. UCFC: -17.40 )
UCFC' s 10-Year Share Buyback Rate Range
Min: 31.4   Max: -17.4
Current: -17.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
UCFC's Price/Tangible Book is ranked higher than
82% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.66 vs. UCFC: 1.10 )
UCFC' s 10-Year Price/Tangible Book Range
Min: 0.12   Max: 2.01
Current: 1.1

0.12
2.01
Price/DCF (Projected) 0.66
UCFC's Price/DCF (Projected) is ranked higher than
88% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.00 vs. UCFC: 0.66 )
UCFC' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 0.74
Current: 0.66

0.04
0.74
Price/Median PS Value 2.34
UCFC's Price/Median PS Value is ranked higher than
56% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. UCFC: 2.34 )
UCFC' s 10-Year Price/Median PS Value Range
Min: 0.19   Max: 10.78
Current: 2.34

0.19
10.78
Price/Graham Number 0.50
UCFC's Price/Graham Number is ranked higher than
95% of the 3227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. UCFC: 0.50 )
UCFC' s 10-Year Price/Graham Number Range
Min: 0.41   Max: 1.41
Current: 0.5

0.41
1.41
Earnings Yield (Greenblatt) 3.40
UCFC's Earnings Yield (Greenblatt) is ranked higher than
57% of the 2417 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. UCFC: 3.40 )
UCFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 6.1
Current: 3.4

0.2
6.1
Forward Rate of Return (Yacktman) -7.35
UCFC's Forward Rate of Return (Yacktman) is ranked higher than
55% of the 1444 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.67 vs. UCFC: -7.35 )
UCFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.9   Max: 353.3
Current: -7.35

-7.9
353.3

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, FNFG » details
United Community Financial Corporation was incorporated in the State of Ohio in February 1998. The Company operates as the holding company for The Home Savings and Loan Company of Youngstown, Ohio. The Bank provides an array of consumer banking, business banking and investment services in Ohio and western Pennsylvania. It offers various deposit products, including passbook savings accounts, demand deposits, individual retirement accounts, checking accounts, money market accounts, and certificates of deposit. The Bank's loan portfolio is segmented into four areas - permanent real estate loans, construction loans, consumer loans and commercial loans. The majority of the Bank's loan portfolio is permanent real estate loans made to customers in Home Savings' market area. These loans are secured by the underlying real estate as collateral. The loan portfolio comprises of single-family residences, multifamily residences, and nonresidential real estate; construction loans; and commercial loans consisting of lines of credit, revolving lines of credit, and term loans. In addition, its loan portfolio comprises various types of consumer loans, such as home equity loans, vehicle loans, overdraft protection loans, and loans to individuals secured by demand accounts, deposits, and other consumer assets. Home Savings faces competition for deposits and loans from other savings and loan associations, credit unions, banks and mortgage originators in Home Savings' market area. United Community is a unitary thrift holding company, and subject to regulation, examination and oversight by the FRB.
» More Articles for UCFC

Headlines

Articles On GuruFocus.com
United Community Financial Corp. Reports Operating Results (10-Q) Nov 12 2010 
United Community Financial Corp. Reports Operating Results (10-Q) May 17 2010 
United Community Financial Corp. (UCFC) CFO James R Reske buys 8,000 Shares May 12 2010 
United Community Financial Corp. (UCFC) CFO James R Reske buys 8,000 Shares May 11 2010 
United Community Financial Corp. (UCFC) CEO Douglas M Mckay buys 1,200 Shares Aug 11 2009 
United Community Financial Corp. Reports Operating Results (10-Q) Aug 07 2009 
Weekly CFO Buys Highlight: United Community Financial Corp., Reddy Ice Holdings Inc., Salary.com, Co Jul 24 2009 
United Community Financial Corp. (UCFC) President & COO of HS&L Co. Patrick W Bevack buys 10,000 Sha Jul 23 2009 
United Community Financial Corp. (UCFC) CFO James R Reske buys 10,000 Shares Jul 22 2009 
United Community Financial Corp. Reports Operating Results (10-Q) May 11 2009 

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