United Community Bancorp
Financials · Savings Institution, Federally Chartered · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $938,000 | $941,000 | $699,000 | $479,000 | $762,000 | $494,000 |
| Total assets | $536.9M | $526.1M | $521.2M | $530.5M | $512.6M | $495.9M |
| Total liabilities | $465.6M | $455.6M | $449.7M | $457.5M | $439.1M | $440.9M |
| Equity | $71.3M | $70.5M | $71.4M | $72.9M | $73.5M | $55.0M |
| EPS (diluted) | $0.84 | $0.82 | $0.57 | — | — | — |
| Shares out. | 4.2M | 4.2M | 4.5M | 4.7M | 5.1M | 5.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2017- Operating margin
- —
- Net margin
- —
- Return on equity
- 1.3%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 86.7%
- Debt / equity
- 6.53×
- Book value / share
- $16.97
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −0.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2017- Accruals / assets
- −0.6%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Sutton John L JrDirector | Sep 14, 2018 | D | 1,000 | $0.00 |
| Rosen David ZOfficer — CFO | Sep 14, 2018 | D | 1,777.143 | $0.00 |
| Ritzmann William FDirector | Sep 14, 2018 | D | 27,797 | $0.00 |
| Mclaughlin W MichaelOfficer — Executive V.P. and COO | Sep 14, 2018 | D | 10,258 | $0.00 |
| Mclaughlin Elmer GOfficer — President and CEO | Sep 14, 2018 | D | 21,876 | $0.00 |
| Mattlin Julie ADirector | Sep 14, 2018 | D | 100 | $0.00 |
| Kittle James WOfficer — Senior V.P. | Sep 14, 2018 | D | 25,841 | $0.00 |
| Humphrey James DDirector | Sep 14, 2018 | D | 4,378 | $0.00 |
| Hacker Jerry WDirector | Sep 14, 2018 | D | 17,627 | $0.00 |
| Ewbank Robert JDirector | Sep 14, 2018 | D | 15,457 | $0.00 |
| Rosen David ZOfficer — CFO | Sep 26, 2017 | Grant | 2,000 | $0.00 |
| Mattlin Julie ADirector | Sep 26, 2017 | Grant | 2,910 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Other material eventAug 17, 2018
- Other material eventAug 10, 2018
- Results of operationsJul 30, 2018
- Shareholder vote · Other material eventJul 26, 2018
- Other material eventJun 25, 2018
- Director / officer changeJun 8, 2018
- Other material eventMay 11, 2018
- Results of operationsMay 1, 2018
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15-12GOct 4, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- 4Sep 17, 2018
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO THE FORM S-8Sep 14, 2018
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO THE FORM S-8Sep 14, 2018
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO THE FORM S-8Sep 14, 2018
- 25-NSESep 14, 2018