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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 0.07
UCFC's Cash to Debt is ranked lower than
95% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. UCFC: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
UCFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.13 Max: No Debt
Current: 0.07
Equity to Asset 0.12
UCFC's Equity to Asset is ranked higher than
68% of the 1578 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UCFC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
UCFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.37
Current: 0.12
0.08
0.37
Interest Coverage 2.66
UCFC's Interest Coverage is ranked higher than
63% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. UCFC: 2.66 )
Ranked among companies with meaningful Interest Coverage only.
UCFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 0.53 Max: 0.89
Current: 2.66
0.01
0.89
F-Score: 4
WACC vs ROIC
12.06%
3.74%
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 : 3/10

vs
industry
vs
history
Operating margin (%) 31.75
UCFC's Operating margin (%) is ranked higher than
52% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. UCFC: 31.75 )
Ranked among companies with meaningful Operating margin (%) only.
UCFC' s Operating margin (%) Range Over the Past 10 Years
Min: -51.2  Med: 2.76 Max: 30.6
Current: 31.75
-51.2
30.6
Net-margin (%) 21.34
UCFC's Net-margin (%) is ranked lower than
54% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. UCFC: 21.34 )
Ranked among companies with meaningful Net-margin (%) only.
UCFC' s Net-margin (%) Range Over the Past 10 Years
Min: -44.63  Med: 1.85 Max: 77.05
Current: 21.34
-44.63
77.05
ROE (%) 6.49
UCFC's ROE (%) is ranked lower than
63% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. UCFC: 6.49 )
Ranked among companies with meaningful ROE (%) only.
UCFC' s ROE (%) Range Over the Past 10 Years
Min: -18.83  Med: 0.82 Max: 24.18
Current: 6.49
-18.83
24.18
ROA (%) 0.85
UCFC's ROA (%) is ranked lower than
51% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. UCFC: 0.85 )
Ranked among companies with meaningful ROA (%) only.
UCFC' s ROA (%) Range Over the Past 10 Years
Min: -1.64  Med: 0.08 Max: 2.81
Current: 0.85
-1.64
2.81
Revenue Growth (3Y)(%) -23.00
UCFC's Revenue Growth (3Y)(%) is ranked lower than
88% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. UCFC: -23.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UCFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23  Med: 2.85 Max: 52.9
Current: -23
-23
52.9
EBITDA Growth (3Y)(%) 60.90
UCFC's EBITDA Growth (3Y)(%) is ranked higher than
96% of the 1167 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. UCFC: 60.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UCFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -28.1  Med: 11.50 Max: 67.4
Current: 60.9
-28.1
67.4
EPS Growth (3Y)(%) 422.90
UCFC's EPS Growth (3Y)(%) is ranked higher than
100% of the 1165 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. UCFC: 422.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UCFC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.5  Med: 7.70 Max: 422.9
Current: 422.9
-38.5
422.9
» UCFC's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

UCFC Guru Trades in Q1 2015

Jim Simons 477,004 sh (+38.22%)
» More
Q2 2015

UCFC Guru Trades in Q2 2015

Jim Simons 677,004 sh (+41.93%)
» More
Q3 2015

UCFC Guru Trades in Q3 2015

Jim Simons 756,404 sh (+11.73%)
» More
Q4 2015

UCFC Guru Trades in Q4 2015

Jim Simons 872,304 sh (+15.32%)
» 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) 18.89
UCFC's P/E(ttm) is ranked lower than
81% of the 2227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.73 vs. UCFC: 18.89 )
Ranked among companies with meaningful P/E(ttm) only.
UCFC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.94  Med: 16.74 Max: 670
Current: 18.89
3.94
670
Forward P/E 12.59
UCFC's Forward P/E is ranked lower than
82% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.05 vs. UCFC: 12.59 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.57
UCFC's PE(NRI) is ranked lower than
81% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. UCFC: 19.57 )
Ranked among companies with meaningful PE(NRI) only.
UCFC' s PE(NRI) Range Over the Past 10 Years
Min: 3.96  Med: 17.03 Max: 134
Current: 19.57
3.96
134
P/B 1.05
UCFC's P/B is ranked lower than
57% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. UCFC: 1.05 )
Ranked among companies with meaningful P/B only.
UCFC' s P/B Range Over the Past 10 Years
Min: 0.06  Med: 0.74 Max: 1.56
Current: 1.05
0.06
1.56
P/S 3.82
UCFC's P/S is ranked lower than
77% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. UCFC: 3.82 )
Ranked among companies with meaningful P/S only.
UCFC' s P/S Range Over the Past 10 Years
Min: 0.18  Med: 1.72 Max: 4.22
Current: 3.82
0.18
4.22
EV-to-EBIT 25.70
UCFC's EV-to-EBIT is ranked lower than
81% of the 2177 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. UCFC: 25.70 )
Ranked among companies with meaningful EV-to-EBIT only.
UCFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -22.2  Med: 23.40 Max: 624.8
Current: 25.7
-22.2
624.8
EV-to-EBITDA 23.20
UCFC's EV-to-EBITDA is ranked lower than
82% of the 2182 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.15 vs. UCFC: 23.20 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -25.6  Med: 20.10 Max: 80
Current: 23.2
-25.6
80

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
UCFC's Dividend Yield is ranked lower than
79% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. UCFC: 1.50 )
Ranked among companies with meaningful Dividend Yield only.
UCFC' s Dividend Yield Range Over the Past 10 Years
Min: 0.19  Med: 2.89 Max: 27.06
Current: 1.5
0.19
27.06
Dividend Payout 0.18
UCFC's Dividend Payout is ranked higher than
79% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. UCFC: 0.18 )
Ranked among companies with meaningful Dividend Payout only.
UCFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.46 Max: 7.3
Current: 0.18
0.13
7.3
Forward Dividend Yield 1.76
UCFC's Forward Dividend Yield is ranked lower than
80% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. UCFC: 1.76 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.48
UCFC's Yield on cost (5-Year) is ranked lower than
81% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. UCFC: 1.48 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UCFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.19  Med: 2.89 Max: 27.06
Current: 1.48
0.19
27.06
3-Year Average Share Buyback Ratio -17.40
UCFC's 3-Year Average Share Buyback Ratio is ranked lower than
86% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. UCFC: -17.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UCFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -17.4  Med: 0.45 Max: 31.4
Current: -17.4
-17.4
31.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
UCFC's Price/Tangible Book is ranked lower than
54% of the 2171 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 38.57 vs. UCFC: 1.11 )
Ranked among companies with meaningful Price/Tangible Book only.
UCFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.12  Med: 1.02 Max: 2.03
Current: 1.11
0.12
2.03
Price/Projected FCF 0.73
UCFC's Price/Projected FCF is ranked lower than
63% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. UCFC: 0.73 )
Ranked among companies with meaningful Price/Projected FCF only.
UCFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.30 Max: 0.74
Current: 0.73
0.04
0.74
Price/Median PS Value 2.21
UCFC's Price/Median PS Value is ranked lower than
96% of the 2067 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. UCFC: 2.21 )
Ranked among companies with meaningful Price/Median PS Value only.
UCFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.2  Med: 1.59 Max: 11.55
Current: 2.21
0.2
11.55
Price/Graham Number 1.10
UCFC's Price/Graham Number is ranked lower than
78% of the 2007 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. UCFC: 1.10 )
Ranked among companies with meaningful Price/Graham Number only.
UCFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 1.00 Max: 2.12
Current: 1.1
0.41
2.12
Earnings Yield (Greenblatt) (%) 3.90
UCFC's Earnings Yield (Greenblatt) (%) is ranked lower than
72% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. UCFC: 3.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UCFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 3.40 Max: 6.1
Current: 3.9
0.2
6.1
Forward Rate of Return (Yacktman) (%) 8.41
UCFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. UCFC: 8.41 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UCFC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -5.7  Med: 34.70 Max: 353.3
Current: 8.41
-5.7
353.3

More Statistics

Revenue(Mil) $76
EPS $ 0.30
Beta0.45
Short Percentage of Float1.67%
52-Week Range $3.58 - 6.33
Shares Outstanding(Mil)47.62

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.43 0.45
EPS without NRI($) 0.43 0.45

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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