United Community Financial (United Community Financial) Cash-to-Debt : 0.05 (As of Sep. 2019)

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What is United Community Financial Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. United Community Financial's cash to debt ratio for the quarter that ended in Sep. 2019 was 0.05.

If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, United Community Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2019.

The historical rank and industry rank for United Community Financial's Cash-to-Debt or its related term are showing as below:

UCFC's Cash-to-Debt is not ranked ^*
in the Banks industry.
Industry Median: 1.3
* Ranked among companies with meaningful Cash-to-Debt only.

United Community Financial Cash-to-Debt Historical Data

The historical data trend for United Community Financial's Cash-to-Debt 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.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

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United Community Financial Cash-to-Debt Chart

United Community Financial Annual Data

Trend

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Cash-to-Debt

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0.07

0.10

0.14

0.16

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
Cash-to-Debt	Get a 7-Day Free Trial															0.14	0.21	0.12	0.05	0.16

Competitive Comparison of United Community Financial's Cash-to-Debt

For the Banks - Regional subindustry, United Community Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Community Financial's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where United Community Financial's Cash-to-Debt falls into.

United Community Financial Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

United Community Financial's Cash to Debt Ratio for the fiscal year that ended in Dec. 2018 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	34.38	/	(243	+	0)
	=	0.14

United Community Financial's Cash to Debt Ratio for the quarter that ended in Sep. 2019 is calculated as:

Cash to Debt Ratio	=	Balance Sheet Cash And Cash Equivalents	/	Total Debt
	=	Balance Sheet Cash And Cash Equivalents	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	39.072	/	(422	+	422)
	=	0.05

United Community Financial (NAS:UCFC) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.

United Community Financial Cash-to-Debt Related Terms

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

United Community Financial (United Community Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Community Financial Corp (NAS:UCFC) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

N/A

Address

275 West Federal Street, P.O. Box 1111, Youngstown, OH, USA, 44503-1203

Website

http://www.ucfconline.com

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