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 peers? We will compare United Community Financial Corp. to related companies based on the strength of its profitability, analyst recommendations, valuation, risk, earnings, dividends and institutional ownership.

Profitability

This table compares United Community Financial Corp. and its peers’ 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 18.95% 8.83% 0.94%

Valuation and Earnings

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

Gross Revenue EBITDA Price/Earnings Ratio
United Community Financial Corp. $91.26 million N/A 23.83
United Community Financial Corp. Competitors N/A N/A 18.79

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

Institutional and Insider Ownership

58.2% of United Community Financial Corp. shares are held by institutional investors. Comparatively, 52.6% of shares of all “Banks” companies are held by institutional investors. 3.6% of United Community Financial Corp. shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Risk & Volatility

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

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 37.0% of their earnings in the form of a dividend. United Community Financial Corp. lags its peers as a dividend stock, given its lower dividend yield and higher payout ratio.

Analyst Recommendations

This is a breakdown of current ratings and target prices for United Community Financial Corp. and its peers, as provided by MarketBeat.com.

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 1989 7912 8102 309 2.37

United Community Financial Corp. presently has a consensus price target of $10.50, suggesting a potential upside of 7.47%. As a group, “Banks” companies have a potential downside of 7.59%. Given United Community Financial Corp.’s higher probable upside, analysts plainly believe United Community Financial Corp. is more favorable than its peers.

Summary

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

About United Community Financial Corp.

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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