NAS:UCFC (USA)

United Community Financial Corp

$ 9.04 -0.21 (-2.27%)
Volume: 31,633 Avg Vol (1m): 99,069
Market Cap $: 442.57 Mil Enterprise Value $: 571.23 Mil
P/E (TTM): 12.07 P/B: 1.39
Earnings Power Value -3.09
Net Current Asset Value 0
Tangible Book 5.92
Projected FCF 10.78
Median P/S Value 4.94
Graham Number 10.02
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 3/10

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.
Current vs industry vs history
Cash-to-Debt 0.10
Cash-To-Debt ranked lower than
88.81% of 1617 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
UCFC: 0.1
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.04, Med: 0.11, Max: 10000
Current: 0.1
0.04
10000
Equity-to-Asset 0.11
Equity-to-Asset ranked higher than
56.18% of 1627 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1, Med: 0.11, Min: -11.05
UCFC: 0.11
Ranked among companies with meaningful Equity-to-Asset only.
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
Debt-to-Equity 1.30
Debt-to-Equity ranked higher than
72.79% of 1393 companies
in the Savings & Cooperative Banks industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
UCFC: 1.3
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.06, Med: 1.01, Max: 2.36
Current: 1.3
0.06
2.36
Beneish M-Score -2.50
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 6.33%

Profitability & Growth : 4/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 32.36
Net Margin ranked higher than
75.05% of 1639 companies
in the Savings & Cooperative Banks industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
UCFC: 32.36
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -40.57, Med: 17.19, Max: 77.05
Current: 32.36
-40.57
77.05
ROE % 12.15
ROE ranked higher than
70.27% of 1638 companies
in the Savings & Cooperative Banks industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
UCFC: 12.15
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -18.83, Med: 4.28, Max: 24.08
Current: 12.15
-18.83
24.08
ROA % 1.34
ROA ranked higher than
70.76% of 1645 companies
in the Savings & Cooperative Banks industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
UCFC: 1.34
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -1.64, Med: 0.71, Max: 2.81
Current: 1.34
-1.64
2.81
3-Year Total Revenue Growth Rate 13.30
3-Year Revenue Growth Rate ranked higher than
88.43% of 1513 companies
in the Savings & Cooperative Banks industry.
Industry Max: 672.4, Med: 4.3, Min: -100
UCFC: 12.1
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -59.7, Med: 0.8, Max: 18.7
Current: 12.1
-59.7
18.7
3-Year EPS w/o NRI Growth Rate 29.60
3-Year EPS w/o NRI Growth Rate ranked lower than
93.45% of 1359 companies
in the Savings & Cooperative Banks industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
UCFC: 29.6
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 4.9, Max: 364.2
Current: 29.6
0
364.2

» UCFC's 30-Y Financials

Financials (Next Earnings Date: 2019-07-18)

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Business Description

Industry Banks » Savings & Cooperative Banks    NAICS : 522120    SIC : 6036
Compare NAS:WSBF HKSE:00900 NAS:HIFS NAS:EBTC NAS:HBCP NAS:FDEF NAS:SMBC NAS:HONE OTCPK:NASB NAS:TBNK NAS:GCBC NAS:TSBK NAS:UBNK NAS:LOB NAS:DCOM NAS:ESSA NAS:FNWB NAS:SIFI NAS:FCAP NAS:RVSB
Traded in other countries
Address 275 West Federal Street, Youngstown, OH, USA, 44503
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 Home Savings' market area.

Ratios

Current vs industry vs history
PE Ratio (TTM) 12.07
PE Ratio ranked lower than
57.10% of 1557 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
UCFC: 12.07
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 3.92, Med: 18.97, Max: 134
Current: 12.07
3.92
134
Forward PE Ratio 11.56
Forward P/E ranked lower than
62.42% of 487 companies
in the Savings & Cooperative Banks industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
UCFC: 11.56
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 12.07
PE without NRI ranked lower than
56.33% of 1532 companies
in the Savings & Cooperative Banks industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
UCFC: 12.07
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 3.92, Med: 18.97, Max: 134
Current: 12.07
3.92
134
Price-to-Owner-Earnings 10.74
Price-to-Owner-Earnings ranked lower than
52.98% of 989 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
UCFC: 10.74
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 2.71, Med: 15.24, Max: 86.82
Current: 10.74
2.71
86.82
PB Ratio 1.39
PB Ratio ranked lower than
78.56% of 1651 companies
in the Savings & Cooperative Banks industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
UCFC: 1.39
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.06, Med: 1, Max: 1.88
Current: 1.39
0.06
1.88
PS Ratio 3.87
PS Ratio ranked lower than
77.68% of 1649 companies
in the Savings & Cooperative Banks industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
UCFC: 3.87
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.17, Med: 2.13, Max: 5.09
Current: 3.87
0.17
5.09
Price-to-Free-Cash-Flow 9.94
Price-to-Free-Cash-Flow ranked lower than
75.62% of 882 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
UCFC: 9.94
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 0.5, Med: 5.92, Max: 76.64
Current: 9.94
0.5
76.64
Price-to-Operating-Cash-Flow 9.34
Price-to-Operating-Cash-Flow ranked lower than
79.01% of 948 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
UCFC: 9.34
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 0.49, Med: 5.63, Max: 53.44
Current: 9.34
0.49
53.44
EV-to-Revenue 4.92
EV-to-Revenue ranked lower than
65.58% of 1325 companies
in the Savings & Cooperative Banks industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
UCFC: 4.92
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.4, Med: 4.1, Max: 9.3
Current: 4.92
0.4
9.3
Shiller PE Ratio 203.38
Shiller PE Ratio ranked lower than
100.00% of 672 companies
in the Savings & Cooperative Banks industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
UCFC: 203.38
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 1.17, Med: 6.74, Max: 251.25
Current: 203.38
1.17
251.25

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 3.08
Trailing Dividend Yield ranked lower than
54.66% of 2587 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
UCFC: 3.08
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.19, Med: 1.46, Max: 27.06
Current: 3.08
0.19
27.06
Dividend Payout Ratio 0.36
Dividend Payout Ratio ranked lower than
53.94% of 1420 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
UCFC: 0.36
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.02, Med: 0.28, Max: 0.36
Current: 0.36
0.02
0.36
3-Year Dividend Growth Rate (Per Share) 54.90
3-Year Dividend Growth Rate ranked higher than
98.52% of 880 companies
in the Savings & Cooperative Banks industry.
Industry Max: 228.7, Med: 6, Min: -100
UCFC: 54.9
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: -12.15, Max: 91.3
Current: 54.9
0
91.3
Forward Dividend Yield % 3.03
Forward Dividend Yield ranked lower than
57.18% of 2534 companies
in the Savings & Cooperative Banks industry.
Industry Max: 98, Med: 3.16, Min: 0.01
UCFC: 3.03
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 3.05
Yield-on-Cost (5y) ranked lower than
64.08% of 2561 companies
in the Savings & Cooperative Banks industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
UCFC: 3.05
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.19, Med: 1.46, Max: 27.06
Current: 3.05
0.19
27.06
3-Year Share Buyback Rate -1.10
3-Year Share Buyback Rate ranked higher than
65.96% of 1137 companies
in the Savings & Cooperative Banks industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
UCFC: -1.1
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -17.6, Med: -0.25, Max: 6.3
Current: -1.1
-17.6
6.3

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.53
Price-to-Tangible-Book ranked lower than
73.22% of 1669 companies
in the Savings & Cooperative Banks industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
UCFC: 1.53
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.12, Med: 1.1, Max: 2.03
Current: 1.53
0.12
2.03
Price-to-Projected-FCF 0.84
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
80.58% of 958 companies
in the Savings & Cooperative Banks industry.
Industry Max: 460, Med: 0.76, Min: 0.01
UCFC: 0.84
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.04, Med: 0.39, Max: 1.45
Current: 0.84
0.04
1.45
Price-to-Median-PS-Value 1.84
Price-to-Median-PS-Value ranked lower than
94.55% of 1524 companies
in the Savings & Cooperative Banks industry.
Industry Max: 186, Med: 1.02, Min: 0.03
UCFC: 1.84
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.15, Med: 1.42, Max: 9.29
Current: 1.84
0.15
9.29
Price-to-Graham-Number 0.91
Price-to-Graham-Number ranked lower than
69.17% of 1476 companies
in the Savings & Cooperative Banks industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
UCFC: 0.91
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.41, Med: 1.02, Max: 1.74
Current: 0.91
0.41
1.74

More Statistics

Revenue (TTM) (Mil) $ 115.21
EPS (TTM) $ 0.75
Beta 0.74
Volatility % 19.07
52-Week Range $ 8.49 - 11.98
Shares Outstanding (Mil) 48.79

Analyst Estimate

Piotroski F-Score Details