United Community Bancorp (UCBA)

United Community Bancorp (UCBA) — VMCI valuation read

Across 120 indicators, United Community Bancorp (UCBA) lands at VMCI 44/100. The Financial Services sector median is 50, so the 6-point below-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.

No material Form 4 disclosures landed on UCBA in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.

**Investor frame.** On Value, UCBA trades at 27.0x earnings, 50% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of -0.8x leaves covenant headroom for UCBA on the trailing balance sheet.

UCBA fell 3.3% over the trailing 7 days, with a -3.5% read on a 30-day basis.