UNITED COMMUNITY FINANCIAL CORP
Financials · Savings Institutions, Not Federally Chartered · OH · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $8.6M | $1.5M | $18.8M | $16.3M | $50.2M | $10.0M |
| Total assets | $2.81B | $2.65B | $2.19B | $1.99B | $1.83B | $1.74B |
| Total liabilities | $2.50B | $2.36B | $1.94B | $1.74B | $1.59B | $1.56B |
| Equity | $309.3M | $294.3M | $249.8M | $244.2M | $240.1M | $175.1M |
| EPS (diluted) | $0.17 | $0.03 | $0.40 | $0.34 | $1.00 | $0.07 |
| Shares out. | 49.9M | 49.7M | 47.6M | 49.3M | 50.4M | 33.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2018- Operating margin
- —
- Net margin
- —
- Return on equity
- 2.8%
- Return on assets
- 0.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.0%
- Debt / equity
- 8.09×
- Book value / share
- $6.20
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 456.3%
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 · FY2018- Accruals / assets
- −1.2%clean
- Piotroski F-Score
- 4/6mixed
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. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- 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.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 17, 2009
- NT 10-Kmissed a reporting deadline ↗Mar 18, 2008
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventFeb 3, 2020
- Results of operationsJan 21, 2020
- Other material eventJan 21, 2020
- Director / officer changeDec 23, 2019
- Shareholder voteDec 10, 2019
- Other material eventDec 2, 2019
- Results of operationsOct 22, 2019
- Entered a material agreementSep 10, 2019
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 ↗- SC 13G/AFeb 10, 2021
- SC 13G/AFeb 13, 2020
- SC 13G/AAMENDMENT TO SCHEDULE FILED TO REPORT ACQUISITION OF BENEFICIAL OWNERSHIPFeb 12, 2020
- SC 13G/ASCHEDULE 13G/AFeb 12, 2020
- 15-12GFeb 10, 2020
- SC 13G/AFeb 6, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
- 4OWNERSHIP DOCUMENTFeb 4, 2020
Event-driven situations (1)
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