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United Community Financial (United Community Financial) Cyclically Adjusted PB Ratio : (As of May. 05, 2024)


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What is United Community Financial Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


United Community Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for United Community Financial's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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United Community Financial Cyclically Adjusted PB Ratio Chart

United Community Financial Annual Data
Trend Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19
Cyclically Adjusted PB Ratio
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United Community Financial Quarterly Data
Mar15 Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19
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Competitive Comparison of United Community Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, United Community Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Community Financial's Cyclically Adjusted PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Community Financial's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where United Community Financial's Cyclically Adjusted PB Ratio falls into.



United Community Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

United Community Financial's Cyclically Adjusted Book per Share for the quarter that ended in Sep. 2019 is calculated as:

For example, United Community Financial's adjusted Book Value per Share data for the three months ended in Sep. 2019 was:

Adj_Book=Book Value per Share/CPI of Sep. 2019 (Change)*Current CPI (Sep. 2019)
=6.797/108.3294*108.3294
=6.797

Current CPI (Sep. 2019) = 108.3294.

United Community Financial Quarterly Data

Book Value per Share CPI Adj_Book
200912 7.113 91.111 8.457
201003 6.942 91.821 8.190
201006 6.884 91.962 8.109
201009 0.000 92.162 0.000
201012 5.691 92.474 6.667
201103 5.731 94.283 6.585
201106 5.914 95.235 6.727
201109 5.896 95.727 6.672
201112 5.790 95.213 6.588
201203 5.780 96.783 6.470
201206 5.949 96.819 6.656
201209 5.217 97.633 5.789
201212 5.170 96.871 5.782
201303 4.812 98.209 5.308
201306 3.661 98.518 4.026
201309 3.650 98.790 4.002
201312 3.478 98.326 3.832
201403 3.765 99.695 4.091
201406 4.659 100.560 5.019
201409 4.704 100.428 5.074
201412 4.877 99.070 5.333
201503 5.011 99.621 5.449
201506 4.951 100.684 5.327
201509 5.123 100.392 5.528
201512 5.140 99.792 5.580
201603 5.300 100.470 5.715
201606 5.465 101.688 5.822
201609 5.509 101.861 5.859
201612 5.363 101.863 5.703
201703 5.576 102.862 5.872
201706 5.742 103.349 6.019
201709 5.865 104.136 6.101
201712 5.909 104.011 6.154
201803 5.938 105.290 6.109
201806 6.041 106.317 6.155
201809 6.130 106.507 6.235
201812 6.296 105.998 6.434
201903 6.442 107.251 6.507
201906 6.606 108.070 6.622
201909 6.797 108.329 6.797

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


United Community Financial  (NAS:UCFC) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


United Community Financial Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of United Community Financial's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


United Community Financial (United Community Financial) Business Description

Traded in Other Exchanges
N/A
Address
275 West Federal Street, P.O. Box 1111, Youngstown, OH, USA, 44503-1203
United Community Financial Corporation is a US-based financial services company. 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 the Home Savings' market area.
Executives
Zahid Afzal officer: Executive Vice President & COO PO BOX 428, BOWLING GREEN OH 43402
Marty E Adams director
Richard J Schiraldi director 275 FEDERAL PLAZA WEST, YOUNGSTOWN OH 44503
Louis Michael Altman director 1111 EASTWOOD STREET NE, CANTON OH 44714
Lee J. Burdman director 5050 BELMONT AVENUE, YOUNGSTOWN OH 44505
Gary M Small director, officer: President & CEO 3 SYLVAN WAY, BOX 264, PARSIPPANY NJ 07054
Matthew T. Garrity officer: EVP Comm Lending & Cr Admin 370 APPLE BLOSSOM LANE, BAY VILLAGE OH 44140
Jude J. Nohra officer: General Counsel & Secretary 275 FEDERAL PLAZA WEST, YOUNGSTOWN OH 44503
James R Reske officer: Former CFO & Treasurer 601 PHILADELPHIA STREET, INDIANA PA 15701
Richard J Buoncore director C/O KEYCORP, 127 PUBLIC SQUARE 2ND FL. LAW DEPT, CLEVELAND OH 44114

United Community Financial (United Community Financial) Headlines

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