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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 4.02
UCBA's Cash-to-Debt is ranked higher than
58% of the 1645 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.48 vs. UCBA: 4.02 )
Ranked among companies with meaningful Cash-to-Debt only.
UCBA' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.12  Med: 7.84 Max: No Debt
Current: 4.02
Equity-to-Asset 0.13
UCBA's Equity-to-Asset is ranked higher than
75% of the 1610 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. UCBA: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
UCBA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.14 Max: 0.18
Current: 0.13
0.09
0.18
Interest Coverage 1.77
UCBA's Interest Coverage is ranked higher than
52% of the 1690 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. UCBA: 1.77 )
Ranked among companies with meaningful Interest Coverage only.
UCBA' s Interest Coverage Range Over the Past 10 Years
Min: 0.11  Med: 0.85 Max: 1.8
Current: 1.77
0.11
1.8
Beneish M-Score: -2.37
WACC vs ROIC
4.58%
7.99%
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 % 21.62
UCBA's Operating Margin % is ranked lower than
73% of the 1651 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.66 vs. UCBA: 21.62 )
Ranked among companies with meaningful Operating Margin % only.
UCBA' s Operating Margin % Range Over the Past 10 Years
Min: -16.93  Med: 16.47 Max: 28.5
Current: 21.62
-16.93
28.5
Net Margin % 17.77
UCBA's Net Margin % is ranked lower than
67% of the 1653 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.93 vs. UCBA: 17.77 )
Ranked among companies with meaningful Net Margin % only.
UCBA' s Net Margin % Range Over the Past 10 Years
Min: -11.69  Med: 12.4 Max: 18.84
Current: 17.77
-11.69
18.84
ROE % 5.88
UCBA's ROE % is ranked lower than
70% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.55 vs. UCBA: 5.88 )
Ranked among companies with meaningful ROE % only.
UCBA' s ROE % Range Over the Past 10 Years
Min: -2.49  Med: 3.31 Max: 4.83
Current: 5.88
-2.49
4.83
ROA % 0.77
UCBA's ROA % is ranked lower than
59% of the 1657 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.91 vs. UCBA: 0.77 )
Ranked among companies with meaningful ROA % only.
UCBA' s ROA % Range Over the Past 10 Years
Min: -0.38  Med: 0.43 Max: 0.68
Current: 0.77
-0.38
0.68
3-Year Revenue Growth Rate 8.30
UCBA's 3-Year Revenue Growth Rate is ranked higher than
70% of the 1392 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.30 vs. UCBA: 8.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UCBA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -1.1 Max: 14
Current: 8.3
0
14
3-Year EBITDA Growth Rate 8.60
UCBA's 3-Year EBITDA Growth Rate is ranked higher than
55% of the 1295 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.80 vs. UCBA: 8.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UCBA' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -5.4 Max: 36.5
Current: 8.6
0
36.5
3-Year EPS without NRI Growth Rate 16.40
UCBA's 3-Year EPS without NRI Growth Rate is ranked higher than
73% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. UCBA: 16.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UCBA' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 42.9
Current: 16.4
0
42.9
GuruFocus has detected 3 Warning Signs with United Community Bancorp $UCBA.
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» UCBA's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:KFFB, OTCPK:BHWB, NAS:HMNF, NAS:IROQ, NAS:PBBI, OTCPK:VLLX, NAS:PBSK, NAS:PBHC, OTCPK:GRRB, NAS:ANCB, NAS:LSBK, NAS:HFBC, NAS:MSBF, NAS:BYFC, NAS:HFBL, AMEX:BKJ, NAS:JXSB, NAS:FCAP, OTCPK:LTLB, NAS:WAYN » details
Headquarter Location:USA
United Community Bancorp is the holding company for United Community Bank. The Company, through the Bank, provides traditional banking services through its office and branches in Southeastern Indiana.

United Community Bancorp is an Indiana corporation incorporated in March 2011 to be the successor corporation to old United Community Bancorp, the former stock holding company for United Community Bank, upon completion of the mutual-to-stock conversion of United Community MHC, the former mutual holding company for United Community Bancorp. The Company's business activities consist of the ownership of the Bank's capital stock and the management of the offering proceeds it retained. The Company through its subsidiaries operates as a community-oriented financial institution offering banking services and products to consumers and businesses in its market areas. It attracts deposits from the general public and local municipalities and uses those funds to originate one- to four-family real estate, multi-family real estate and nonresidential real estate, construction, commercial and consumer loans. It sells fixed-rate one- to four-family residential conforming loans with terms of more than ten years that it originates is sold in the secondary market with the servicing retained. The Company has five branches located in Dearborn County and three branches located in adjacent Ripley County. The main sources of loan originations are existing customers, walk-in traffic, advertising and referrals from customers. The Company's competition for loans comes mainly from financial institutions in its market areas, and, to a lesser extent, from other financial service providers such as mortgage companies and mortgage brokers. Competition for loans also comes from non-depository financial service companies which have entered the mortgage market such as insurance companies, securities companies and specialty finance companies. The Company as a savings and loan holding company is subject to reporting to and regulation by the Federal Reserve Board.

Ratios

vs
industry
vs
history
PE Ratio 23.50
UCBA's PE Ratio is ranked lower than
83% of the 1664 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.29 vs. UCBA: 23.50 )
Ranked among companies with meaningful PE Ratio only.
UCBA' s PE Ratio Range Over the Past 10 Years
Min: 16.76  Med: 26.25 Max: 117.74
Current: 23.5
16.76
117.74
PE Ratio without NRI 23.50
UCBA's PE Ratio without NRI is ranked lower than
83% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.61 vs. UCBA: 23.50 )
Ranked among companies with meaningful PE Ratio without NRI only.
UCBA' s PE Ratio without NRI Range Over the Past 10 Years
Min: 16.76  Med: 26.25 Max: 115.21
Current: 23.5
16.76
115.21
Price-to-Owner-Earnings 21.44
UCBA's Price-to-Owner-Earnings is ranked lower than
78% of the 910 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.67 vs. UCBA: 21.44 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UCBA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.29  Med: 20.41 Max: 108.6
Current: 21.44
9.29
108.6
PB Ratio 1.13
UCBA's PB Ratio is ranked higher than
54% of the 1707 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.19 vs. UCBA: 1.13 )
Ranked among companies with meaningful PB Ratio only.
UCBA' s PB Ratio Range Over the Past 10 Years
Min: 0.57  Med: 0.92 Max: 1.75
Current: 1.13
0.57
1.75
PS Ratio 4.16
UCBA's PS Ratio is ranked lower than
64% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.41 vs. UCBA: 4.16 )
Ranked among companies with meaningful PS Ratio only.
UCBA' s PS Ratio Range Over the Past 10 Years
Min: 2.23  Med: 3.43 Max: 33.6
Current: 4.16
2.23
33.6
Price-to-Free-Cash-Flow 14.56
UCBA's Price-to-Free-Cash-Flow is ranked lower than
65% of the 924 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.10 vs. UCBA: 14.56 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UCBA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.86  Med: 11.65 Max: 99999999.99
Current: 14.56
4.86
99999999.99
Price-to-Operating-Cash-Flow 14.32
UCBA's Price-to-Operating-Cash-Flow is ranked lower than
72% of the 1013 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.83 vs. UCBA: 14.32 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UCBA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.72  Med: 10.83 Max: 99999999.99
Current: 14.32
4.72
99999999.99
EV-to-EBIT 13.15
UCBA's EV-to-EBIT is ranked lower than
56% of the 1395 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.92 vs. UCBA: 13.15 )
Ranked among companies with meaningful EV-to-EBIT only.
UCBA' s EV-to-EBIT Range Over the Past 10 Years
Min: -134.9  Med: 12.5 Max: 52
Current: 13.15
-134.9
52
EV-to-EBITDA 11.60
UCBA's EV-to-EBITDA is ranked lower than
54% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.86 vs. UCBA: 11.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCBA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -43984.6  Med: 10.3 Max: 1839.8
Current: 11.6
-43984.6
1839.8
PEG Ratio 2.03
UCBA's PEG Ratio is ranked lower than
63% of the 848 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. UCBA: 2.03 )
Ranked among companies with meaningful PEG Ratio only.
UCBA' s PEG Ratio Range Over the Past 10 Years
Min: 1.72  Med: 2.15 Max: 2.65
Current: 2.03
1.72
2.65
Shiller PE Ratio 52.09
UCBA's Shiller PE Ratio is ranked lower than
92% of the 501 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.95 vs. UCBA: 52.09 )
Ranked among companies with meaningful Shiller PE Ratio only.
UCBA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 40.91  Med: 45.9 Max: 51.94
Current: 52.09
40.91
51.94

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.44
UCBA's Dividend Yield % is ranked lower than
78% of the 2351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.66 vs. UCBA: 1.44 )
Ranked among companies with meaningful Dividend Yield % only.
UCBA' s Dividend Yield % Range Over the Past 10 Years
Min: 0.66  Med: 2.8 Max: 8.75
Current: 1.44
0.66
8.75
Dividend Payout Ratio 0.30
UCBA's Dividend Payout Ratio is ranked higher than
55% of the 1337 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.32 vs. UCBA: 0.30 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UCBA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.29  Med: 0.74 Max: 4.11
Current: 0.3
0.29
4.11
3-Year Dividend Growth Rate -5.80
UCBA's 3-Year Dividend Growth Rate is ranked lower than
82% of the 801 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. UCBA: -5.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
UCBA' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -28.9 Max: 74.5
Current: -5.8
0
74.5
Forward Dividend Yield % 1.91
UCBA's Forward Dividend Yield % is ranked lower than
73% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.88 vs. UCBA: 1.91 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.43
UCBA's 5-Year Yield-on-Cost % is ranked lower than
98% of the 2673 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.30 vs. UCBA: 0.43 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UCBA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.2  Med: 0.85 Max: 2.64
Current: 0.43
0.2
2.64
3-Year Average Share Buyback Ratio 6.60
UCBA's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 1073 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. UCBA: 6.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UCBA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0.1  Med: 3.6 Max: 0
Current: 6.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.17
UCBA's Price-to-Tangible-Book is ranked higher than
55% of the 1722 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.29 vs. UCBA: 1.17 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UCBA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 0.96 Max: 1.71
Current: 1.17
0.7
1.71
Price-to-Intrinsic-Value-Projected-FCF 0.66
UCBA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
62% of the 953 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. UCBA: 0.66 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UCBA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.55 Max: 0.97
Current: 0.66
0.44
0.97
Price-to-Median-PS-Value 1.21
UCBA's Price-to-Median-PS-Value is ranked lower than
58% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. UCBA: 1.21 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UCBA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.65  Med: 0.99 Max: 9.96
Current: 1.21
0.65
9.96
Price-to-Peter-Lynch-Fair-Value 2.67
UCBA's Price-to-Peter-Lynch-Fair-Value is ranked lower than
87% of the 488 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. UCBA: 2.67 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UCBA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.74  Med: 2.23 Max: 120.14
Current: 2.67
1.74
120.14
Price-to-Graham-Number 1.10
UCBA's Price-to-Graham-Number is ranked lower than
61% of the 1545 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.97 vs. UCBA: 1.10 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UCBA' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.76  Med: 1.04 Max: 2.87
Current: 1.1
0.76
2.87
Earnings Yield (Greenblatt) % 7.60
UCBA's Earnings Yield (Greenblatt) % is ranked higher than
57% of the 1832 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.18 vs. UCBA: 7.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UCBA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.9  Med: 7.2 Max: 87.5
Current: 7.6
1.9
87.5
Forward Rate of Return (Yacktman) % 15.49
UCBA's Forward Rate of Return (Yacktman) % is ranked higher than
61% of the 936 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.50 vs. UCBA: 15.49 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UCBA' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 3  Med: 7.75 Max: 19
Current: 15.49
3
19

More Statistics

Revenue (TTM) (Mil) $18.41
EPS (TTM) $ 0.80
Beta0.11
Short Percentage of Float0.07%
52-Week Range $13.88 - 18.81
Shares Outstanding (Mil)4.20
» More Articles for UCBA

Headlines

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United Community Bancorp Increases Quarterly Cash Dividend May 11 2017 
Weekly CFO Buys Highlight: VICL, EXA, UCBA, YORW, MGI Jan 21 2013 
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United Community Bancorp Reports Fourth Quarter and Year End Results Aug 11 2016

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