United Community Bancorp (UCBA) Stock Analysis
DELISTED 2018
What happened to United Community Bancorp (UCBA) stock?
United Community Bancorp (UCBA) no longer trades on public markets. It was delisted in September 2018. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
United Community Bancorp (UCBA) trades at $27.85. United Community Bancorp operates as the bank holding company for United Community Bank, providing a range of banking services to individuals and businesses. Sector: Financial services.
Last analyzed: Mar 17, 2026Analyst Coverage for UCBA: UCBA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates UCBA against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
United Community Bancorp (UCBA) Financial Services Profile
United Community Bancorp, operating as United Community Bank, delivers comprehensive banking solutions with a focus on community engagement. The company distinguishes itself through personalized service and local expertise, navigating a competitive landscape with a strategic emphasis on relationship-based banking and regional market penetration, reflected in a 1.44% dividend yield.
What Is the Investment Thesis for UCBA?
United Community Bancorp presents a mixed investment case. The company's focus on community banking and customer relationships provides a stable foundation, reflected in its 1.44% dividend yield. However, a high P/E ratio of 38.37 suggests the stock may be overvalued relative to its earnings. A negative beta of -0.04 indicates low volatility compared to the market, which may appeal to risk-averse investors. The company's 15.0% profit margin demonstrates efficiency. Growth catalysts include expansion within the southeastern U.S. and continued investment in technology to enhance customer experience. Potential risks include interest rate fluctuations and increased competition from larger national banks and fintech companies.
Based on FMP financials and quantitative analysis
UCBA Key Highlights
P/E ratio of 38.37, indicating a potentially high valuation relative to earnings.
- Profit Margin of 15.0%, reflecting efficient operations.
- Gross Margin of 100.0%, suggesting strong control over costs related to revenue.
- Beta of -0.04, indicating low volatility compared to the overall market.
- Dividend Yield of 1.44%, providing a modest income stream for investors.
Who Are UCBA's Competitors?
UCBA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
| BOKF BOK Financial Corporation | $139.84 | -0.36% | $8.50B | 95 |
| UBSI United Bankshares, Inc. | $47.70 | +0.02% | $6.57B | 96 |
| ASB Associated Banc-Corp | $30.78 | -0.10% | $5.81B | 94 |
| FBP First BanCorp. | $28.41 | -0.19% | $4.34B | 97 |
| UCB United Community Banks, Inc. | $35.63 | -0.34% | $4.27B | 96 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are UCBA's Key Strengths?
Strong customer relationships
- Local market knowledge
- Experienced management team
- Solid financial performance
What Are UCBA's Weaknesses?
Limited geographic footprint
- Reliance on traditional banking model
- High P/E ratio
- Negative Beta
What Could Drive UCBA Stock Higher?
Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of digital banking services to attract and retain customers.
- Strategic acquisitions of smaller banks to expand market share.
What Are the Key Risks for UCBA?
Increased competition from larger national banks and fintech companies.
- Economic downturn could lead to increased loan defaults.
- Regulatory changes could increase compliance costs.
- Interest rate fluctuations could impact profitability.
What Are the Growth Opportunities for UCBA?
- Expansion within the Southeastern U.S.: United Community Bancorp has the opportunity to expand its presence within the fast-growing Southeastern United States. This region is experiencing population growth and economic development, creating increased demand for banking services. By opening new branches, acquiring smaller banks, and increasing its lending activities, United Community Bancorp can capitalize on this growth. The timeline for this expansion is ongoing, with a focus on strategic locations and partnerships.
- Investment in Digital Banking Solutions: As customer preferences shift towards digital channels, United Community Bancorp can invest in enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, improving user experience, and enhancing cybersecurity measures. By providing convenient and secure digital banking solutions, United Community Bancorp can attract and retain customers. The timeline for these investments is ongoing, with a focus on continuous improvement and innovation.
- Focus on Small Business Lending: Small businesses are a key driver of economic growth, and United Community Bancorp can focus on expanding its small business lending activities. This includes offering a variety of loan products, providing financial advice, and building relationships with local entrepreneurs. By supporting small businesses, United Community Bancorp can contribute to community development and generate profitable lending opportunities. The timeline for this initiative is ongoing, with a focus on building a strong reputation as a small business lender.
- Wealth Management Services: United Community Bancorp can expand its wealth management services to cater to the growing affluent population in its target markets. This includes offering financial planning, investment management, and trust services. By providing comprehensive wealth management solutions, United Community Bancorp can attract and retain high-net-worth clients and generate fee income. The timeline for this expansion is ongoing, with a focus on building a team of experienced wealth management professionals.
- Strategic Acquisitions: United Community Bancorp can pursue strategic acquisitions of smaller banks and financial institutions to expand its market share and geographic footprint. This includes identifying targets with complementary business models, strong customer relationships, and attractive financial performance. By integrating acquired entities, United Community Bancorp can achieve economies of scale and enhance its competitive position. The timeline for these acquisitions is opportunistic, depending on market conditions and available targets.
What Are UCBA's Competitive Advantages?
- Strong customer relationships built on personalized service.
- Local market knowledge and expertise.
- Established branch network in key markets.
- Commitment to community involvement and support.
What Does UCBA Do?
United Community Bancorp serves as the bank holding company for United Community Bank. Founded with a commitment to community banking principles, the bank has grown to offer a comprehensive suite of financial services tailored to individuals, small businesses, and commercial clients. Its services include deposit accounts, loans, mortgages, and wealth management solutions. United Community Bank operates primarily within the southeastern United States, focusing on building strong customer relationships and supporting local economic development. The bank differentiates itself through its emphasis on personalized service, local market knowledge, and community involvement. Over the years, United Community Bancorp has expanded its footprint through strategic acquisitions and organic growth, solidifying its position as a key player in the regional banking sector. The company's commitment to technology and innovation allows it to deliver modern banking solutions while maintaining its core values of customer service and community support. United Community Bancorp's financial performance reflects its ability to navigate the complexities of the banking industry while maintaining a strong focus on profitability and sustainable growth.
What Products and Services Does UCBA Offer?
- Provides deposit accounts, including checking, savings, and money market accounts.
- Offers a range of loan products, including commercial, consumer, and mortgage loans.
- Provides wealth management services, including financial planning and investment management.
- Offers online and mobile banking services for convenient access to accounts.
- Provides treasury management services for businesses.
- Issues credit cards to individuals and businesses.
- Facilitates international banking transactions.
How Does UCBA Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts, wealth management services, and other banking activities.
- Manages interest rate risk by balancing assets and liabilities.
- Focuses on building long-term customer relationships to drive loyalty and referrals.
What Industry Does UCBA Operate In?
United Community Bancorp operates in the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate movements, regulatory changes, and technological advancements. Regional banks like United Community Bancorp compete with larger national banks, credit unions, and fintech companies. The market is seeing increased demand for digital banking solutions and personalized customer service. United Community Bancorp's focus on community banking and local market knowledge positions it to capitalize on the trend towards relationship-based banking.
Who Are UCBA's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial clients needing treasury management and lending solutions.
- High-net-worth individuals seeking wealth management services.
- Non-profit organizations requiring banking services.
Insider Activity
The most recent 10 insider filings for United Community Bancorp break down as 6 sales and 4 purchases. On net that is roughly 35K shares disposed (about $374K), a signal worth weighing alongside the fundamentals.
Key Financial Metrics
Return on equity for United Community Bancorp stands at 4.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. UCBA trades at a trailing price-to-earnings ratio of 38.37, above the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 2.6%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
United Community Bancorp operates in the Banks - Regional industry within the Financial Services sector. UCBA has traded publicly since 2006.
UCBA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying hints at management's confidence in UCBA's future prospects, suggesting they believe the stock is undervalued.
- The community sentiment leans bullish, indicating positive expectations for UCBA's performance based on recent news and developments.
- UCBA is perceived as a stable regional bank, potentially benefiting from the current economic environment and interest rate dynamics.
- Positive market perception of regional banks, fueled by consolidation and potential growth opportunities, may lift UCBA's stock.
Bear Case
- Increased regulatory scrutiny on regional banks could negatively impact UCBA's operations and profitability, creating uncertainty.
- Bearish community views cite concerns about UCBA's exposure to specific sectors facing economic headwinds, potentially affecting loan performance.
- Negative market perception due to broader economic concerns, such as a potential recession, could weigh on UCBA's stock despite its fundamentals.
- Recent insider selling, even if for personal reasons, may create a perception of lack of confidence in UCBA's near-term performance among some investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
UCBA Latest News
No recent news available for UCBA.
What Investors Ask About United Community Bancorp (UCBA) — Financial Services
What happened to United Community Bancorp (UCBA) stock?
United Community Bancorp (UCBA) no longer trades on public markets. It was delisted in September 2018. The figures below are historical and are not a current quote.
Can I still buy UCBA shares?
No. UCBA stopped trading on public markets in September 2018, so the shares are not available through a broker. Anything you see quoted for UCBA elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before UCBA stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to United Community Bancorp. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does United Community Bancorp do?
United Community Bancorp, through its subsidiary United Community Bank, provides a range of banking and financial services to individuals, small businesses, and commercial clients. These services include deposit accounts, loans, mortgages, and wealth management solutions. The bank operates primarily in the Southeastern United States, focusing on building strong customer relationships and supporting local economic development.
What do analysts say about UCBA stock?
Analyst sentiment on UCBA is mixed, reflecting the complexities of the regional banking sector. Key valuation metrics, such as the P/E ratio of 38.37, suggest the stock may be richly valued. Growth considerations include the company's expansion within the Southeastern U.S. and its investments in digital banking solutions.
What are the main risks for UCBA?
United Community Bancorp faces several key risks, including increased competition from larger national banks and fintech companies, which could erode market share and pressure margins. Interest rate fluctuations pose a significant risk, as changes in rates can impact the bank's net interest margin and profitability. An economic downturn could lead to increased loan defaults and reduced demand for banking services.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- AI analysis is pending and may provide additional insights.