United Community Financial is a financial services holding company for The Home Savings and Loan Company of Youngstown that provides consumer and business banking services. The Company offers various deposit instruments, including regular savings accounts, demand deposits, individual retirement accounts, checking accounts, money market accounts, and certificates of deposit. It provides commercial loans, such as multifamily loans; nonresidential real estate loans comprising retail centers, office buildings, and industrial buildings; land loans; loans for the construction of multifamily properties, nonresidential real estate projects, and to builders; and secured and unsecured loans, including traditional lines of credit, revolving lines of credit, and term loans.

Employee Rating

3.2More
TypePublic
HQYoungstown, US
Founded1889
Size (employees)503 (est)+14%
Websitehomesavings.com
United Community Financial was founded in 1889 and is headquartered in Youngstown, US
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Key People/Management at United Community Financial

Denise Penz

Denise Penz

Executive Director of Wealth Management
Tiffany Rockstroh

Tiffany Rockstroh

SVP, Director of Private Banking
John Prelac

John Prelac

VP, Chief Trust Officer
Christian Cardello

Christian Cardello

VP, Director of Investment Services
Pam Shields

Pam Shields

VP, Retirement Plan Services Manager
Robert Garasic

Robert Garasic

VP, Private Banking Officer
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United Community Financial Office Locations

United Community Financial has an office in Youngstown
Youngstown, US (HQ)
275 W Federal St
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United Community Financial Financials and Metrics

United Community Financial Revenue

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United Community Financial's revenue was reported to be $118.75 m in FY, 2017
USD

Revenue (Q2, 2018)

64.4m

Gross profit (Q2, 2018)

54.5m

Gross profit margin (Q2, 2018), %

84.6%

Net income (Q2, 2018)

18.1m

EBIT (Q2, 2018)

42.6m

Market capitalization (14-Dec-2018)

441.1m

Closing stock price (14-Dec-2018)

8.9

Cash (30-Jun-2018)

67.0m
United Community Financial's current market capitalization is $441.1 m.
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

84.5m77.0m85.4m92.8m118.7m

Revenue growth, %

19%11%9%

Cost of goods sold

13.4m11.8m9.1m8.4m13.2m

Gross profit

71.1m65.2m76.2m84.4m105.6m
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Revenue

19.6m18.9m19.2m19.9m21.4m21.5m21.7m23.2m23.8m26.4m30.6m31.9m64.4m

Cost of goods sold

3.3m3.1m3.1m3.0m2.3m2.4m2.1m2.1m2.1m2.6m3.1m4.5m9.9m

Gross profit

16.3m15.8m16.2m16.9m19.1m19.2m19.5m21.1m21.8m23.9m27.6m27.4m54.5m

Gross profit Margin, %

83%84%84%85%89%89%90%91%91%90%90%86%85%
Annual
USDFY, 2013FY, 2015FY, 2016FY, 2017

Cash

77.3m35.9m45.9m46.9m

Accounts Receivable

6.0m6.9m

Inventories

PP&E

20.9m20.7m21.0m22.1m
Quarterly
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Cash

49.0m44.7m40.6m41.2m43.9m49.8m52.0m46.7m67.0m

PP&E

20.6m20.5m20.6m20.6m20.6m23.9m22.4m21.8m21.6m

Goodwill

19.5m19.5m20.2m20.2m

Total Assets

1.9b2.0b2.0b2.1b2.2b2.6b2.6b2.7b2.8b
Annual
USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

10.0m50.2m16.3m18.8m21.8m

Depreciation and Amortization

2.1m2.3m2.7m

Inventories

Accounts Payable

550.0k185.0k
Quarterly
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Net Income

42.4m2.9m7.8m12.0m3.3m8.7m13.8m1.5m9.7m8.6m18.1m

Depreciation and Amortization

1.0m1.6m559.0k1.1m1.7m644.0k1.3m681.0k1.4m

Accounts Payable

592.0k585.0k573.0k380.0k219.0k

Cash From Operating Activities

539.0k6.1m7.6m9.8m2.6m(4.7m)21.7m15.4m(2.8m)
USDY, 2018

Financial Leverage

9.2 x
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United Community Financial Operating Metrics

United Community Financial's Total Loans was reported to be $1.9b in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Bank Branches

33 32 32

Non-accrual Loans

$20.45 m$20.10 m$19.01 m$15.34 m$16.75 m$20.11 m$20.34 m$19.45 m$12.44 m$10.56 m$10.78 m

Non-performing Loans

$20.45 m$16.75 m$12.44 m

Total Loans

$1.15 b$1.17 b$1.22 b$1.28 b$1.32 b$1.36 b$1.40 b$1.47 b$1.50 b$1.84 b$1.87 b
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United Community Financial News and Updates

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United Community Financial Company Life and Culture

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United Community Financial Frequently Asked Questions

  • When was United Community Financial founded?

    United Community Financial was founded in 1889.

  • Who are United Community Financial key executives?

    United Community Financial's key executives are Denise Penz, Tiffany Rockstroh and John Prelac.

  • How many employees does United Community Financial have?

    United Community Financial has 503 employees.

  • What is United Community Financial revenue?

    Latest United Community Financial annual revenue is $118.7 m.

  • What is United Community Financial revenue per employee?

    Latest United Community Financial revenue per employee is $236.1 k.

  • Who are United Community Financial competitors?

    Competitors of United Community Financial include HMN Financial, WeSwap and Borro.

  • Where is United Community Financial headquarters?

    United Community Financial headquarters is located at 275 W Federal St, Youngstown.

  • Where are United Community Financial offices?

    United Community Financial has an office in Youngstown.

  • How many offices does United Community Financial have?

    United Community Financial has 1 office.