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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 0.13
UCFC's Cash to Debt is ranked lower than
90% of the 984 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.36 vs. UCFC: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
UCFC' s 10-Year Cash to Debt Range
Min: 0.04  Med: 0.14 Max: No Debt
Current: 0.13
Equity to Asset 0.12
UCFC's Equity to Asset is ranked higher than
68% of the 1355 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.11 Max: 0.37
Current: 0.12
0.08
0.37
Interest Coverage 0.89
UCFC's Interest Coverage is ranked lower than
65% of the 1272 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.60 vs. UCFC: 0.89 )
Ranked among companies with meaningful Interest Coverage only.
UCFC' s 10-Year Interest Coverage Range
Min: 0.01  Med: 0.50 Max: 0.89
Current: 0.89
0.01
0.89
F-Score: 3
WACC vs ROIC
14.13%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 23.22
UCFC's Operating margin (%) is ranked lower than
68% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.25 vs. UCFC: 23.22 )
Ranked among companies with meaningful Operating margin (%) only.
UCFC' s 10-Year Operating margin (%) Range
Min: -51.2  Med: 21.46 Max: 31.63
Current: 23.22
-51.2
31.63
Net-margin (%) 19.24
UCFC's Net-margin (%) is ranked lower than
59% of the 1425 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.01 vs. UCFC: 19.24 )
Ranked among companies with meaningful Net-margin (%) only.
UCFC' s 10-Year Net-margin (%) Range
Min: -44.63  Med: 14.11 Max: 77.05
Current: 19.24
-44.63
77.05
ROE (%) 5.54
UCFC's ROE (%) is ranked lower than
70% of the 1427 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.44 vs. UCFC: 5.54 )
Ranked among companies with meaningful ROE (%) only.
UCFC' s 10-Year ROE (%) Range
Min: -18.83  Med: 3.66 Max: 24.18
Current: 5.54
-18.83
24.18
ROA (%) 0.73
UCFC's ROA (%) is ranked lower than
59% of the 1436 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. UCFC: 0.73 )
Ranked among companies with meaningful ROA (%) only.
UCFC' s 10-Year ROA (%) Range
Min: -1.64  Med: 0.81 Max: 2.81
Current: 0.73
-1.64
2.81
Revenue Growth (3Y)(%) -23.00
UCFC's Revenue Growth (3Y)(%) is ranked lower than
94% of the 1215 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 10-Year Revenue Growth (3Y)(%) Range
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 1072 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.60 vs. UCFC: 60.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UCFC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -28.1  Med: 11.50 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 1070 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.60 vs. UCFC: 364.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UCFC' s 10-Year EPS Growth (3Y)(%) Range
Min: -37.7  Med: 7.40 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

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
Q2 2015

UCFC Guru Trades in Q2 2015

Jim Simons 677,004 sh (+41.93%)
» 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
76% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.10 vs. UCFC: 18.89 )
Ranked among companies with meaningful P/E(ttm) only.
UCFC' s 10-Year P/E(ttm) Range
Min: 3.94  Med: 17.03 Max: 670
Current: 18.89
3.94
670
Forward P/E 13.05
UCFC's Forward P/E is ranked lower than
65% of the 714 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.85 vs. UCFC: 13.05 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 19.30
UCFC's PE(NRI) is ranked lower than
78% of the 1291 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.20 vs. UCFC: 19.30 )
Ranked among companies with meaningful PE(NRI) only.
UCFC' s 10-Year PE(NRI) Range
Min: 3.96  Med: 16.96 Max: 134
Current: 19.3
3.96
134
P/B 1.06
UCFC's P/B is ranked higher than
52% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.06 vs. UCFC: 1.06 )
Ranked among companies with meaningful P/B only.
UCFC' s 10-Year P/B Range
Min: 0.06  Med: 0.74 Max: 1.56
Current: 1.06
0.06
1.56
P/S 3.61
UCFC's P/S is ranked lower than
64% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.86 vs. UCFC: 3.61 )
Ranked among companies with meaningful P/S only.
UCFC' s 10-Year P/S Range
Min: 0.18  Med: 1.74 Max: 4.22
Current: 3.61
0.18
4.22
EV-to-EBIT 25.19
UCFC's EV-to-EBIT is ranked lower than
78% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.41 vs. UCFC: 25.19 )
Ranked among companies with meaningful EV-to-EBIT only.
UCFC' s 10-Year EV-to-EBIT Range
Min: -22.2  Med: 23.45 Max: 624.8
Current: 25.19
-22.2
624.8
Days Sales Outstanding 29.96
UCFC's Days Sales Outstanding is ranked higher than
56% of the 795 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.20 vs. UCFC: 29.96 )
Ranked among companies with meaningful Days Sales Outstanding only.
UCFC' s 10-Year Days Sales Outstanding Range
Min: 27.38  Med: 36.33 Max: 46.55
Current: 29.96
27.38
46.55

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.07
UCFC's Dividend Yield is ranked lower than
87% of the 2258 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.76 vs. UCFC: 1.07 )
Ranked among companies with meaningful Dividend Yield only.
UCFC' s 10-Year Dividend Yield Range
Min: 0.19  Med: 2.90 Max: 27.06
Current: 1.07
0.19
27.06
Dividend Payout 0.14
UCFC's Dividend Payout is ranked higher than
86% of the 1330 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. UCFC: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
UCFC' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.47 Max: 7.3
Current: 0.14
0.13
7.3
Yield on cost (5-Year) 1.07
UCFC's Yield on cost (5-Year) is ranked lower than
87% of the 2253 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.23 vs. UCFC: 1.07 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UCFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.19  Med: 2.90 Max: 27.06
Current: 1.07
0.19
27.06
Share Buyback Rate -17.40
UCFC's Share Buyback Rate is ranked lower than
86% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. UCFC: -17.40 )
Ranked among companies with meaningful Share Buyback Rate only.
UCFC' s 10-Year Share Buyback Rate Range
Min: 31.4  Med: 0.45 Max: -17.4
Current: -17.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
UCFC's Price/Tangible Book is ranked higher than
57% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. UCFC: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
UCFC' s 10-Year Price/Tangible Book Range
Min: 0.12  Med: 1.03 Max: 2.03
Current: 1.06
0.12
2.03
Price/Projected FCF 0.64
UCFC's Price/Projected FCF is ranked higher than
52% of the 805 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.65 vs. UCFC: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
UCFC' s 10-Year Price/Projected FCF Range
Min: 0.04  Med: 0.29 Max: 0.74
Current: 0.64
0.04
0.74
Price/Median PS Value 2.06
UCFC's Price/Median PS Value is ranked lower than
95% of the 1310 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. UCFC: 2.06 )
Ranked among companies with meaningful Price/Median PS Value only.
UCFC' s 10-Year Price/Median PS Value Range
Min: 0.19  Med: 1.57 Max: 11.43
Current: 2.06
0.19
11.43
Price/Graham Number 0.94
UCFC's Price/Graham Number is ranked lower than
61% of the 1181 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.82 vs. UCFC: 0.94 )
Ranked among companies with meaningful Price/Graham Number only.
UCFC' s 10-Year Price/Graham Number Range
Min: 0.41  Med: 1.00 Max: 1.66
Current: 0.94
0.41
1.66
Earnings Yield (Greenblatt) (%) 3.93
UCFC's Earnings Yield (Greenblatt) (%) is ranked lower than
70% of the 1408 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. UCFC: 3.93 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UCFC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 3.40 Max: 6.1
Current: 3.93
0.2
6.1
Forward Rate of Return (Yacktman) (%) -4.92
UCFC's Forward Rate of Return (Yacktman) (%) is ranked lower than
82% of the 792 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.82 vs. UCFC: -4.92 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UCFC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -6.8  Med: 35.50 Max: 353.3
Current: -4.92
-6.8
353.3

Analyst Estimate

Dec15 Dec16
EPS($) 0.32 0.38
EPS without NRI($) 0.32 0.38

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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