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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.07
UCFC's Cash to Debt is ranked lower than
95% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.13 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
67% of the 1610 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 2.84
UCFC's Interest Coverage is ranked higher than
65% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. UCFC: 2.84 )
Ranked among companies with meaningful Interest Coverage only.
UCFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 0.6 Max: 2.84
Current: 2.84
0.01
2.84
F-Score: 7
M-Score: -2.12
WACC vs ROIC
6.84%
3.44%
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 (%) 31.70
UCFC's Operating margin (%) is ranked higher than
52% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.84 vs. UCFC: 31.70 )
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: 31.71
Current: 31.7
-51.2
31.71
Net-margin (%) 21.47
UCFC's Net-margin (%) is ranked lower than
53% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.27 vs. UCFC: 21.47 )
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: 21.47
-44.63
77.05
ROE (%) 6.91
UCFC's ROE (%) is ranked lower than
61% of the 1648 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.34 vs. UCFC: 6.91 )
Ranked among companies with meaningful ROE (%) only.
UCFC' s ROE (%) Range Over the Past 10 Years
Min: -18.83  Med: 0.82 Max: 24.08
Current: 6.91
-18.83
24.08
ROA (%) 0.86
UCFC's ROA (%) is ranked lower than
52% of the 1659 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.88 vs. UCFC: 0.86 )
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: 0.86
-1.64
2.81
Revenue Growth (3Y)(%) -14.70
UCFC's Revenue Growth (3Y)(%) is ranked lower than
93% of the 1350 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.20 vs. UCFC: -14.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UCFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -23  Med: 2 Max: 53.3
Current: -14.7
-23
53.3
» UCFC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-21)


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

» Details

Guru Trades

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
Q1 2016

UCFC Guru Trades in Q1 2016

Jim Simons 922,604 sh (+5.77%)
» More
Q2 2016

UCFC Guru Trades in Q2 2016

Jim Simons 1,026,504 sh (+11.26%)
» More
» Details

Insider Trades

Latest Guru Trades with UCFC

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:BSF, OTCPK:BFCFB, NAS:BKMU, NAS:CSBK, NAS:EBTC, NAS:TBNK, NAS:FDEF, NAS:BFIN, NAS:FXCB, NAS:HBCP, NAS:PULB, NAS:LOB, NAS:SMBC, NAS:WSBF, NAS:FNWB, NAS:OCFC, NAS:HONE, NAS:SIFI, NAS:ESSA, NAS:PROV » details
United Community Financial Corporation through its subsidiary provides consumer banking, business banking and investment services in Ohio and western Pennsylvania.

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 - commercial and commercial real estate loans, residential mortgage loans and consumer 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.

Ratios

vs
industry
vs
history
P/E(ttm) 19.78
UCFC's P/E(ttm) is ranked lower than
78% of the 1513 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.26 vs. UCFC: 19.78 )
Ranked among companies with meaningful P/E(ttm) only.
UCFC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.92  Med: 16.78 Max: 134
Current: 19.78
3.92
134
Forward P/E 13.68
UCFC's Forward P/E is ranked lower than
66% of the 369 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.63 vs. UCFC: 13.68 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.78
UCFC's PE(NRI) is ranked lower than
78% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.28 vs. UCFC: 19.78 )
Ranked among companies with meaningful PE(NRI) only.
UCFC' s PE(NRI) Range Over the Past 10 Years
Min: 3.92  Med: 16.84 Max: 134
Current: 19.78
3.92
134
Price/Owner Earnings (ttm) 16.03
UCFC's Price/Owner Earnings (ttm) is ranked lower than
66% of the 859 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.81 vs. UCFC: 16.03 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UCFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.66  Med: 14.43 Max: 86.82
Current: 16.03
2.66
86.82
P/B 1.26
UCFC's P/B is ranked lower than
69% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. UCFC: 1.26 )
Ranked among companies with meaningful P/B only.
UCFC' s P/B Range Over the Past 10 Years
Min: 0.06  Med: 0.75 Max: 1.56
Current: 1.26
0.06
1.56
P/S 4.26
UCFC's P/S is ranked lower than
74% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. UCFC: 4.26 )
Ranked among companies with meaningful P/S only.
UCFC' s P/S Range Over the Past 10 Years
Min: 0.18  Med: 1.74 Max: 4.36
Current: 4.26
0.18
4.36
PFCF 16.37
UCFC's PFCF is ranked lower than
72% of the 817 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.68 vs. UCFC: 16.37 )
Ranked among companies with meaningful PFCF only.
UCFC' s PFCF Range Over the Past 10 Years
Min: 0.49  Med: 3.25 Max: 71.25
Current: 16.37
0.49
71.25
POCF 14.80
UCFC's POCF is ranked lower than
76% of the 920 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.22 vs. UCFC: 14.80 )
Ranked among companies with meaningful POCF only.
UCFC' s POCF Range Over the Past 10 Years
Min: 0.48  Med: 3.1 Max: 54
Current: 14.8
0.48
54
EV-to-EBIT 25.72
UCFC's EV-to-EBIT is ranked lower than
80% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.80 vs. UCFC: 25.72 )
Ranked among companies with meaningful EV-to-EBIT only.
UCFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -22.2  Med: 23.1 Max: 622.4
Current: 25.72
-22.2
622.4
EV-to-EBITDA 23.65
UCFC's EV-to-EBITDA is ranked lower than
82% of the 1243 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.39 vs. UCFC: 23.65 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -25.6  Med: 20.25 Max: 80
Current: 23.65
-25.6
80

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.48
UCFC's Dividend Yield is ranked lower than
81% of the 2190 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.92 vs. UCFC: 1.48 )
Ranked among companies with meaningful Dividend Yield only.
UCFC' s Dividend Yield Range Over the Past 10 Years
Min: 0.19  Med: 2.84 Max: 27.06
Current: 1.48
0.19
27.06
Dividend Payout 0.28
UCFC's Dividend Payout is ranked higher than
60% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. UCFC: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
UCFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.44 Max: 7.3
Current: 0.28
0.13
7.3
Forward Dividend Yield 1.69
UCFC's Forward Dividend Yield is ranked lower than
81% of the 2073 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.13 vs. UCFC: 1.69 )
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 2538 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.43 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: 2.84 Max: 27.06
Current: 1.48
0.19
27.06
3-Year Average Share Buyback Ratio -12.90
UCFC's 3-Year Average Share Buyback Ratio is ranked lower than
80% of the 1052 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. UCFC: -12.90 )
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: -17.6  Med: -0.1 Max: 6.3
Current: -12.9
-17.6
6.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
UCFC's Price/Tangible Book is ranked lower than
61% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. UCFC: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
UCFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.12  Med: 1.04 Max: 2.03
Current: 1.31
0.12
2.03
Price/Projected FCF 0.90
UCFC's Price/Projected FCF is ranked lower than
73% of the 831 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.69 vs. UCFC: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
UCFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.32 Max: 0.92
Current: 0.9
0.04
0.92
Price/Median PS Value 2.44
UCFC's Price/Median PS Value is ranked lower than
97% of the 1494 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. UCFC: 2.44 )
Ranked among companies with meaningful Price/Median PS Value only.
UCFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.19  Med: 1.56 Max: 11.32
Current: 2.44
0.19
11.32
Price/Graham Number 1.07
UCFC's Price/Graham Number is ranked lower than
69% of the 1398 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. UCFC: 1.07 )
Ranked among companies with meaningful Price/Graham Number only.
UCFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.41  Med: 0.99 Max: 1.74
Current: 1.07
0.41
1.74
Earnings Yield (Greenblatt) (%) 3.94
UCFC's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1619 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.70 vs. UCFC: 3.94 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UCFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 3.6 Max: 6.1
Current: 3.94
0.2
6.1
Forward Rate of Return (Yacktman) (%) 2.22
UCFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
73% of the 853 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.66 vs. UCFC: 2.22 )
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: 35.4 Max: 353.3
Current: 2.22
-5.7
353.3

More Statistics

Revenue (TTM) (Mil) $79.76
EPS (TTM) $ 0.36
Beta0.34
Short Percentage of Float1.28%
52-Week Range $4.84 - 7.38
Shares Outstanding (Mil)46.50

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 0.40 0.52
EPS w/o NRI ($) 0.40 0.52
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» 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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United Community Financial Corp. to Present at KBW 2016 Community Bank Investor Conference Jul 21 2016
Edited Transcript of UCFC earnings conference call or presentation 20-Jul-16 2:00pm GMT Jul 20 2016
UNITED COMMUNITY FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 19 2016
UCFC Announces Record Earnings and a Dividend Increase Jul 19 2016
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United Community Financial Corp. Announces Second Quarter Earnings Conference Call Jul 05 2016
United Community Financial Corp. Announces Second Quarter Earnings Conference Call Jul 05 2016
United Community Financial Corp. :UCFC-US: Earnings Analysis: Q1, 2016 By the Numbers : June 28,... Jun 28 2016
UNITED COMMUNITY FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 09 2016
UNITED COMMUNITY FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security... May 02 2016
United Community Financial Corp. Announces Share Repurchase Program Apr 28 2016
United Community Financial Corp. Announces Share Repurchase Program Apr 28 2016

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