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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 0.10
NAS:UCFC's Cash-to-Debt is ranked lower than
96% of the 1592 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.23 vs. NAS:UCFC: 0.10 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:UCFC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04  Med: 0.13 Max: No Debt
Current: 0.1
Equity-to-Asset 0.11
NAS:UCFC's Equity-to-Asset is ranked higher than
59% of the 1591 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. NAS:UCFC: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:UCFC' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.37
Current: 0.11
0.08
0.37
Interest Coverage 2.72
NAS:UCFC's Interest Coverage is ranked higher than
68% of the 1515 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. NAS:UCFC: 2.72 )
Ranked among companies with meaningful Interest Coverage only.
NAS:UCFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 0.83 Max: 3.2
Current: 2.72
0.01
3.2
Beneish M-Score: -2.18
WACC vs ROIC
3.50%
2.91%
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 : 2/10

vs
industry
vs
history
Operating Margin % 27.23
NAS:UCFC's Operating Margin % is ranked higher than
51% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.37 vs. NAS:UCFC: 27.23 )
Ranked among companies with meaningful Operating Margin % only.
NAS:UCFC' s Operating Margin % Range Over the Past 10 Years
Min: -51.2  Med: 2.76 Max: 31.96
Current: 27.23
-51.2
31.96
Net Margin % 19.22
NAS:UCFC's Net Margin % is ranked lower than
51% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.70 vs. NAS:UCFC: 19.22 )
Ranked among companies with meaningful Net Margin % only.
NAS:UCFC' s Net Margin % Range Over the Past 10 Years
Min: -44.63  Med: 1.85 Max: 77.05
Current: 19.22
-44.63
77.05
ROE % 6.56
NAS:UCFC's ROE % is ranked lower than
60% of the 1603 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.58 vs. NAS:UCFC: 6.56 )
Ranked among companies with meaningful ROE % only.
NAS:UCFC' s ROE % Range Over the Past 10 Years
Min: -18.83  Med: 0.82 Max: 24.08
Current: 6.56
-18.83
24.08
ROA % 0.77
NAS:UCFC's ROA % is ranked higher than
50% of the 1612 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. NAS:UCFC: 0.77 )
Ranked among companies with meaningful ROA % only.
NAS:UCFC' s ROA % Range Over the Past 10 Years
Min: -1.64  Med: 0.08 Max: 2.81
Current: 0.77
-1.64
2.81
3-Year Revenue Growth Rate 4.00
NAS:UCFC's 3-Year Revenue Growth Rate is ranked lower than
51% of the 1354 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 4.20 vs. NAS:UCFC: 4.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:UCFC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -59.7  Med: -1.75 Max: 17.4
Current: 4
-59.7
17.4
3-Year EBITDA Growth Rate 31.80
NAS:UCFC's 3-Year EBITDA Growth Rate is ranked higher than
89% of the 1256 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.40 vs. NAS:UCFC: 31.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:UCFC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -55.5  Med: 8.85 Max: 57.3
Current: 31.8
-55.5
57.3
3-Year EPS without NRI Growth Rate 78.80
NAS:UCFC's 3-Year EPS without NRI Growth Rate is ranked higher than
97% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. NAS:UCFC: 78.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:UCFC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -38.5  Med: 17.45 Max: 364.2
Current: 78.8
-38.5
364.2
GuruFocus has detected 3 Warning Signs with United Community Financial Corp $NAS:UCFC.
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» NAS:UCFC's 30-Y Financials

Financials


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

» Details

Guru Trades

Q2 2016

UCFC Guru Trades in Q2 2016

Jim Simons 1,026,504 sh (+11.26%)
» More
Q3 2016

UCFC Guru Trades in Q3 2016

Jim Simons 1,103,004 sh (+7.45%)
» More
Q4 2016

UCFC Guru Trades in Q4 2016

Jim Simons 1,153,318 sh (+4.56%)
» More
Q1 2017

UCFC Guru Trades in Q1 2017

Jim Simons 1,261,304 sh (+9.36%)
» 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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Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6036
Compare:NAS:BKMU, NAS:HIFS, NAS:CSBK, NAS:EBTC, NAS:BSF, NAS:TBNK, OTCPK:NASB, NAS:FDEF, NAS:HBCP, NAS:WSBF, NAS:SMBC, NAS:GCBC, NAS:FNWB, NAS:SIFI, NAS:ESSA, NAS:TSBK, NAS:PBIP, NAS:OFED, NAS:HONE, NAS:ICBK » details
Headquarter Location:USA
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
PE Ratio 22.42
UCFC's PE Ratio is ranked lower than
76% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.59 vs. UCFC: 22.42 )
Ranked among companies with meaningful PE Ratio only.
UCFC' s PE Ratio Range Over the Past 10 Years
Min: 3.92  Med: 18.55 Max: 134
Current: 22.42
3.92
134
Forward PE Ratio 14.95
UCFC's Forward PE Ratio is ranked lower than
66% of the 839 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.93 vs. UCFC: 14.95 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 22.42
UCFC's PE Ratio without NRI is ranked lower than
76% of the 1477 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.63 vs. UCFC: 22.42 )
Ranked among companies with meaningful PE Ratio without NRI only.
UCFC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.92  Med: 18.55 Max: 134
Current: 22.42
3.92
134
Price-to-Owner-Earnings 14.83
UCFC's Price-to-Owner-Earnings is ranked lower than
57% of the 882 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.21 vs. UCFC: 14.83 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UCFC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.7  Med: 14.76 Max: 86.82
Current: 14.83
2.7
86.82
PB Ratio 1.45
UCFC's PB Ratio is ranked lower than
71% of the 1611 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. UCFC: 1.45 )
Ranked among companies with meaningful PB Ratio only.
UCFC' s PB Ratio Range Over the Past 10 Years
Min: 0.06  Med: 0.78 Max: 1.74
Current: 1.45
0.06
1.74
PS Ratio 4.31
UCFC's PS Ratio is ranked lower than
72% of the 1586 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.40 vs. UCFC: 4.31 )
Ranked among companies with meaningful PS Ratio only.
UCFC' s PS Ratio Range Over the Past 10 Years
Min: 0.18  Med: 1.74 Max: 5.21
Current: 4.31
0.18
5.21
EV-to-EBIT 29.27
UCFC's EV-to-EBIT is ranked lower than
86% of the 1668 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.52 vs. UCFC: 29.27 )
Ranked among companies with meaningful EV-to-EBIT only.
UCFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -22.2  Med: 23.3 Max: 624.8
Current: 29.27
-22.2
624.8
EV-to-EBITDA 26.63
UCFC's EV-to-EBITDA is ranked lower than
87% of the 1685 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.29 vs. UCFC: 26.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -25.6  Med: 20.6 Max: 80
Current: 26.63
-25.6
80

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.49
UCFC's Dividend Yield % is ranked lower than
80% of the 2319 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. UCFC: 1.49 )
Ranked among companies with meaningful Dividend Yield % only.
UCFC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.19  Med: 2.7 Max: 27.06
Current: 1.49
0.19
27.06
Dividend Payout Ratio 0.32
UCFC's Dividend Payout Ratio is ranked higher than
60% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. UCFC: 0.32 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UCFC' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.24 Max: 2.72
Current: 0.32
0.02
2.72
Forward Dividend Yield % 1.49
UCFC's Forward Dividend Yield % is ranked lower than
82% of the 2248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.73 vs. UCFC: 1.49 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.49
UCFC's 5-Year Yield-on-Cost % is ranked lower than
83% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.31 vs. UCFC: 1.49 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UCFC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.19  Med: 2.71 Max: 27.06
Current: 1.49
0.19
27.06
3-Year Average Share Buyback Ratio 2.60
UCFC's 3-Year Average Share Buyback Ratio is ranked higher than
93% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.80 vs. UCFC: 2.60 )
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 Max: 6.3
Current: 2.6
-17.6
6.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.58
UCFC's Price-to-Tangible-Book is ranked lower than
64% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. UCFC: 1.58 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UCFC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.12  Med: 1.07 Max: 2.03
Current: 1.58
0.12
2.03
Price-to-Intrinsic-Value-Projected-FCF 1.18
UCFC's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
80% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.78 vs. UCFC: 1.18 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UCFC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.04  Med: 0.35 Max: 1.23
Current: 1.18
0.04
1.23
Price-to-Median-PS-Value 2.49
UCFC's Price-to-Median-PS-Value is ranked lower than
96% of the 1462 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.14 vs. UCFC: 2.49 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UCFC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.19  Med: 1.68 Max: 11.43
Current: 2.49
0.19
11.43
Price-to-Graham-Number 1.26
UCFC's Price-to-Graham-Number is ranked lower than
67% of the 1364 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.96 vs. UCFC: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UCFC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.41  Med: 1.01 Max: 1.74
Current: 1.26
0.41
1.74
Earnings Yield (Greenblatt) % 3.42
UCFC's Earnings Yield (Greenblatt) % is ranked lower than
65% of the 2207 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.95 vs. UCFC: 3.42 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UCFC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 3.5 Max: 6.1
Current: 3.42
0.2
6.1
Forward Rate of Return (Yacktman) % -0.51
UCFC's Forward Rate of Return (Yacktman) % is ranked lower than
82% of the 890 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. UCFC: -0.51 )
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: 32.95 Max: 353.3
Current: -0.51
-5.7
353.3

More Statistics

Revenue (TTM) (Mil) $88.71
EPS (TTM) $ 0.36
Beta0.46
Short Percentage of Float0.36%
52-Week Range $5.60 - 9.50
Shares Outstanding (Mil)49.68

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.54 0.60
EPS without NRI ($) 0.54 0.60
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» 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 

More From Other Websites
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United Community Financial Corp. : UCFC-US: Dividend Analysis : May 08th, 2017 (record date) : By... May 04 2017
Edited Transcript of UCFC earnings conference call or presentation 26-Apr-17 2:00pm GMT Apr 29 2017
United Community Financial posts 1Q profit Apr 25 2017
UCFC Announces First Quarter Earnings and Successful Integration of Premier Bank & Trust Acquisition Apr 25 2017
United Community Financial Corp. breached its 50 day moving average in a Bullish Manner : UCFC-US :... Apr 25 2017
United Community Financial Corp. Announces First Quarter Earnings Conference Call Mar 29 2017
United Community Financial Corp. breached its 50 day moving average in a Bullish Manner : UCFC-US :... Mar 17 2017
United Community Financial Corp. breached its 50 day moving average in a Bearish Manner : UCFC-US :... Feb 27 2017
ETFs with exposure to United Community Financial Corp. : February 2, 2017 Feb 02 2017
United Community Financial Corp. :UCFC-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1,... Feb 01 2017
United Community Financial Corp. Announces Completion of Acquisition of Ohio Legacy Corp. Jan 31 2017
United Community Financial Corp. breached its 50 day moving average in a Bullish Manner : UCFC-US :... Jan 26 2017
UCFC Announces Strong Performance Results and Declares Dividend Jan 24 2017
United Community Financial Corp and Ohio Legacy Corp Merger Shareholder Election Deadline... Jan 17 2017
ETFs with exposure to United Community Financial Corp. : January 17, 2017 Jan 17 2017
United Community Financial Corp. breached its 50 day moving average in a Bearish Manner : UCFC-US :... Jan 13 2017
Home Savings Announces Receipt of All Regulatory Approvals for Premier Bank Merger Jan 12 2017
United Community Financial Corp. Announces Fourth Quarter Earnings Conference Call Jan 04 2017

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