GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » United Community Financial Corp (NAS:UCFC) » Definitions » Intrinsic Value: Projected FCF

United Community Financial (United Community Financial) Intrinsic Value: Projected FCF : $0.00 (As of Apr. 25, 2024)


View and export this data going back to 1998. Start your Free Trial

What is United Community Financial Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-04-25), United Community Financial's Intrinsic Value: Projected FCF is $0.00. The stock price of United Community Financial is $10.93. Therefore, United Community Financial's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.

The historical rank and industry rank for United Community Financial's Intrinsic Value: Projected FCF or its related term are showing as below:

UCFC's Price-to-Projected-FCF is not ranked *
in the Banks industry.
Industry Median: 0.44
* Ranked among companies with meaningful Price-to-Projected-FCF only.

United Community Financial Intrinsic Value: Projected FCF Historical Data

The historical data trend for United Community Financial's Intrinsic Value: Projected FCF 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.

* Premium members only.

United Community Financial Intrinsic Value: Projected FCF Chart

United Community Financial Annual Data
Trend Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.92 7.28 8.10 9.58 -

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
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.58 10.63 10.46 10.21 -

Competitive Comparison of United Community Financial's Intrinsic Value: Projected FCF

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

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

* The bar in red indicates where United Community Financial's Price-to-Projected-FCF falls into.



United Community Financial Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get United Community Financial's Free Cash Flow(6 year avg) = $17.67.

United Community Financial's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Dec19)*0.8)/Shares Outstanding (Diluted Average)
=(14.26395753773*17.66896+332.109*0.8)/48.221
=10.74

* 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.


United Community Financial  (NAS:UCFC) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

United Community Financial's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=10.93/10.736328470497
=1.02

* 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.


United Community Financial Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of United Community Financial's Intrinsic Value: Projected FCF 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

From GuruFocus

United Community Financial Corp. (UCFC) CFO James R Reske buys 8,000 Shares

By GuruFocus Research GuruFocus Editor 05-11-2010