1. Financial Services

  2. •

    Banks - Regional
United Community Bancorp

United Community Bancorp

UCBA
United Community BancorpUS flagNASDAQ
27.85
USD
+0.60
- -
United Community Bancorp
UCBA
(NASDAQ)

Recent

price

27.85

P/E

ratio

- -

div

yld

- -

ROIC.AI

2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
TTM
FRC
0.64
1.5
0.46
2.03
2.64
2.46
3
3.21
3.67
3.76
3.43
3.31
3.64
4.38
4.63
4.83
4.83
Revenue per Share
0.51
0.39
0.37
0.19
0.47
-0.29
0.15
0.2
-0.02
0.4
0.52
0.47
0.57
0.83
0.85
0.73
0.73
Basic EPS, GAAP
- -
- -
0.55
0.1
0.49
0.68
0.63
1.01
1.35
1.27
1.48
1.29
1.53
1.35
1.01
- -
1.24
Free Cash Flow per Basic Share
- -
- -
- -
0.05
0.2
0.21
0.22
0.23
0.27
0.27
0.47
0.23
0.24
0.24
0.27
- -
0.3
Dividend per Share
- -
- -
5.21
5.33
5.89
5.66
5.72
5.61
5.35
5.39
5.52
5.92
6.74
7.87
8.63
- -
- -
Book Value per Share
4.71
4.96
5.34
11.23
11.81
10.78
11.16
10.18
10.18
10.27
14.16
14.45
15.34
16.35
16.96
17.57
17.57
Tangible Book Value per Share
6
6
6
6
5
5
5
5
5
5
5
5
4
4
4
4
4
Basic Weighted Avg Shares
4
8
3
11
14
12
15
16
18
19
17
16
16
18
19
20
20
Sales/Revenue/Turnover
82.55
98.56
-205.45
14.27
28.5
-16.93
6.06
8.45
-2.03
14.71
20.53
18.37
18.22
21.88
23.52
- -
12.47
Operating Margin (%)
- -
- -
1
1
1
1
- -
- -
1
1
1
1
1
1
1
- -
- -
Depreciation Expense
3
2
2
1
2
-1
1
1
- -
2
3
2
3
3
3
3
3
Net Income, GAAP
- -
35.74
- -
35.65
37.32
- -
19.75
25.28
- -
28.38
26.57
22.42
14.35
13.63
21.66
30.01
30.01
Effective Tax Rate (%)
79.23
25.8
79.71
9.18
17.87
-11.69
4.86
6.31
-0.41
10.54
15.08
14.25
15.6
18.9
18.43
15.03
15.03
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
5
4
3
2
11
15
15
13
12
9
- -
- -
LT Debt
26
28
30
62
62
54
55
55
54
55
74
73
71
70
71
72
72
Total Equity
- -
19.67
- -
2.25
3.99
- -
1.22
1.73
- -
3.26
3.33
2.58
2.94
4.11
4.24
- -
2.26
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
14.12
3.54
8.2
-4.87
2.53
3.6
-0.27
7.4
9.42
8.14
8.64
10.95
10.22
16.96
16.96
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'18
Mar'18
Jun'18
ST Debt
- -
- -
- -
LT Borrowings
9
7
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
4
4
Market Capitalization
82
102
110

Working Capital

FRC

•

in mil. unless spec.
Dec'18
Mar'18
Jun'18
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
33
40
37
Accounts Receivable, Net
2
2
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3
2
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.21%
-0.52%
0.48%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
-291.71%
4.32%
-14.16%
Sales/Revenue/Turnover
5.01%
3.11%
5.23%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
4
5
4
5
18
2017
5
5
5
5
19
2018
5
5
5
5
20

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.16
0.24
0.23
0.2
0.83
2017
0.19
0.18
0.23
0.24
0.85
2018
0.21
0.12
0.17
0.22
0.73

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
0.06
0.05
0.06
0.06
0.24
2017
0.06
0.05
0.06
0.09
0.27
2018
0.1
0.09
0.1
- -
- -
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Business
United Community Bancorp (NASDAQ: UCBA) is a bank holding company for United Community Bank, which provides retail and commercial banking products and services primarily to consumers and businesses in southeastern Indiana. The bank offers deposit products including checking accounts, NOW and money market accounts, regular savings accounts, and certificates of deposit; its lending portfolio encompasses one-to-four-family residential real estate loans, multi-family real estate loans, nonresidential real estate and land loans, construction loans, commercial loans, and consumer loans such as home equity loans, lines of credit, loans secured by savings accounts or certificates of deposit, new farm and garden equipment loans, automobile and recreational vehicle loans, and secured and unsecured personal loans. Founded in 1924 and headquartered at 92 Walnut Street in Lawrenceburg, Indiana, the company operates through an eight-branch network in the region, including locations in the Cincinnati MSA, and remains a subsidiary of United Community MHC, a federally chartered mutual holding company. In March 2018, United Community Bancorp entered into a definitive merger agreement with Civista Bancshares Inc. (NASDAQ: CIVB), under which Civista agreed to acquire the company in a deal that would have combined total assets of approximately $2.1 billion, total loans of $1.5 billion, and total deposits of $1.7 billion while maintaining all eight branches open; no updates on completion have been publicly confirmed as of late 2025. The company continues to emphasize community-focused banking with low-cost core deposit funding and commercial lending growth in its markets.