United Community Financial Corp. (NASDAQ: UCFC) is one of 327 public companies in the “Banks” industry, but how does it weigh in compared to its rivals? We will compare United Community Financial Corp. to similar businesses based on the strength of its profitability, valuation, institutional ownership, earnings, dividends, risk and analyst recommendations.

Profitability

This table compares United Community Financial Corp. and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
United Community Financial Corp. 18.95% 8.90% 1.00%
United Community Financial Corp. Competitors 18.87% 8.82% 0.93%

Dividends

United Community Financial Corp. pays an annual dividend of $0.16 per share and has a dividend yield of 1.6%. United Community Financial Corp. pays out 39.0% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 2.0% and pay out 37.1% of their earnings in the form of a dividend. United Community Financial Corp. lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Valuation and Earnings

This table compares United Community Financial Corp. and its rivals top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue EBITDA Price/Earnings Ratio
United Community Financial Corp. $91.26 million N/A 24.17
United Community Financial Corp. Competitors N/A N/A 19.00

United Community Financial Corp. is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Volatility and Risk

United Community Financial Corp. has a beta of 0.51, meaning that its stock price is 49% less volatile than the S&P 500. Comparatively, United Community Financial Corp.’s rivals have a beta of 0.78, meaning that their average stock price is 22% less volatile than the S&P 500.

Insider and Institutional Ownership

58.2% of United Community Financial Corp. shares are held by institutional investors. Comparatively, 52.5% of shares of all “Banks” companies are held by institutional investors. 3.6% of United Community Financial Corp. shares are held by company insiders. Comparatively, 10.5% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent ratings and price targets for United Community Financial Corp. and its rivals, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Community Financial Corp. 1 0 2 0 2.33
United Community Financial Corp. Competitors 1982 7875 8067 305 2.37

United Community Financial Corp. currently has a consensus target price of $10.50, indicating a potential upside of 5.95%. As a group, “Banks” companies have a potential downside of 6.68%. Given United Community Financial Corp.’s higher probable upside, equities analysts clearly believe United Community Financial Corp. is more favorable than its rivals.

Summary

United Community Financial Corp. beats its rivals on 8 of the 14 factors compared.

United Community Financial Corp. Company Profile

United Community Financial Corp. is financial services holding company. The Company’s subsidiaries include The Home Savings and Loan Company of Youngstown, Ohio (Home Savings or the Bank), HSB Insurance, LLC and HSB Capital, LLC. The principal business of Home Savings is the origination of mortgage loans, including construction loans, on residential and nonresidential real estate located in Home Savings’ primary market area. In addition to real estate lending, Home Savings originates commercial loans and various types of consumer loans. Funds for lending and other investment activities are obtained primarily from retail deposits. HSB Insurance, LLC is an insurance agency that offers a range of insurance products for business and residential customers, which include, auto, homeowners, life-health, commercial, surety bonds and aviation. HSB Capital, LLC provides mezzanine funding for customers. Mezzanine loans are offered to customers in United Community’s market area.

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