- Quarterly pretax core earnings of $4.1
million (adjusted for debt prepayment charge of $2.0 million)
- Annualized loan growth was 13% for the
fourth quarter and 12% for the year
- Prepayment of a $30 million repurchase
agreement and the modification of a $50 million FHLB advance during
the quarter
- Net interest margin increasing to 3.16%
for the fourth quarter of 2014 from 3.06% for the previous
quarter
- Tangible book value per share increased
to $4.88 at December 31, 2014 from $3.47 at the same time last
year
- UCFC declares a dividend of $0.01 per
common share
United Community Financial Corp. (Company) (Nasdaq: UCFC),
parent company of The Home Savings and Loan Company of Youngstown,
Ohio (Home Savings), announced today that net income for the fiscal
year ended December 31, 2014 totaled $50.2 million (including the
recognition of $39.7 million of income tax benefit from the
reversal of a deferred tax asset valuation reserve), or $1.00 per
diluted common share, compared to $10.0 million or $0.07 per common
share for the year ended December 31, 20131. For the fourth quarter
2014, UCFC earned $2.8 million, or $0.06 per diluted common share
compared to $2.2 million or $0.04 per diluted common share for the
fourth quarter of 2013.
Gary M. Small, President and Chief Executive Officer of United
Community and Home Savings, commented that, “We are very pleased
with continued quarterly improvement of pretax core earnings. The
Company is delivering loan growth, reducing the core expense run
rate and improving margins. We feel well positioned heading into
2015.”
Total Loans
Total loans increased $115.7 million to $1.2 billion at December
31, 2014 from $1.1 billion at December 31, 2013. The increase was
driven by a 13.2% increase, or $29.2 million, in commercial loans
year over year. Unfunded commercial loan commitments continue to
show strong growth with an increase of $43.6 million, or 298% year
over year. Residential real estate loans increased 14.9% or $94.9
million in the same time period.
Fourth Quarter Results
Net Interest Income and Margin
Net interest income was $13.4 million in the fourth quarter of
2014 up from the $13.1 million recorded in the fourth quarter of
2013. Net interest margin was 3.16% at the end of the fourth
quarter of 2014 compared to 3.17% in the fourth quarter of 2013,
and increased from the 3.06% net interest margin recorded in the
third quarter of 2014. The net interest margin was positively
impacted in the fourth quarter of 2014 by the modification of a
$50.0 million FHLB advance in mid-November, which resulted in the
borrowing rate declining from 4.20% to 2.05%. In addition, a $30.0
million repurchase agreement was prepaid at the end of December
that resulted in the borrowing rate declining from 4.28% to
0.14%.
“The prepayment and modification of $110.0 million of high cost
debt during the third and fourth quarters was a key initiative in
2014, and positions the Company for meaningful interest margin
improvement going forward,” said Small.
Non-Interest Income
Non-interest income was $2.9 million in the fourth quarter of
2014 compared to $4.1 million in the fourth quarter of 2013. This
change of $1.2 million is primarily attributable to a decrease in
mortgage banking income as a result of timing differences
associated with hedging activity in addition to lower origination
volumes.
Non-Interest Expense
Total non-interest expense was $13.9 million in the fourth
quarter of 2014 ($11.9 million after adjusting for the prepayment
penalty of $2.0 million), a decrease of $1.0 million from the $15.0
million reported in the fourth quarter of 2013. All expense
categories declined, with the exception of equipment and data
processing expense, which experienced a minimal increase.
Significantly offsetting these savings was the recognition of a
$2.0 million prepayment penalty in the fourth quarter of 2014
associated with the prepayment of a $30.0 million repurchase
agreement borrowing discussed previously.
2014 Results
Net Interest Income and Margin
For the year ended December 31, 2014, net interest income
totaled $51.4 million, compared with $51.3 million for 2013. The
net interest margin increased to 3.10% in 2014 from 3.04% in the
prior year. As in the fourth quarter of 2014, the net interest
margin was positively impacted by the modification of a $50.0
million FHLB advance in mid-November. In addition, two $30.0
million repurchase agreements were prepaid during the year, one at
the end of September and one at the end of December.
Provision for Loan Losses
The Company recognized a negative provision for loan losses of
$1.3 million in fiscal year 2014 compared to $4.1 million of
provision expense in 2013. This improvement was primarily due to a
lower level of net charge-offs and disposition of nonperforming
loans.
Non-Interest Income
Non-interest income for fiscal year 2014 totaled $13.7 million
compared to $19.7 million for 2013. The difference in noninterest
income year over year is due to security gains of approximately
$2.6 million that were recognized in 2013. Also, during 2013, Home
Savings recognized a $680,000 recovery on mortgage servicing
rights. A similar recovery was not experienced in 2014. Mortgage
banking income has declined $3.2 million, which is being driven by
lower mortgage production due to lower mortgage refinance activity
and timing differences with hedging activity in connection with the
construction loan portfolio. These declines over the same period in
2013 were offset partially by a reduction in losses incurred on the
resolution of real estate owned of $1.4 million.
Non-Interest Expense
Non-interest expense was $52.6 million2 for 2014; down 7.9% from
the $56.7 million recognized during the same period of 2013. FDIC
insurance premiums decreased $1.1 million, and reserves established
for potential buy-back and make whole provisions on loans sold to
government agencies in the secondary market decreased $2.5 million.
Additionally, The Company incurred lower expenses on real estate
owned and other repossessed assets of $819,000, and lower financial
institutions tax expenses of $772,000. Salaries and employee
benefits expense of $29.5 million for 2014, compared to $29.1
million during the same period of 2013, partially offset these
declines.
Asset Quality
Non-performing loans totaled $20.5 million at December 31, 2014,
a decrease of 13.3% from $23.6 million at December 31, 2013. In
addition, Home Savings had reduced real estate owned and other
repossessed assets by 45% to $3.5 million at December 31, 2014
compared to $6.3 million at December 31, 2013. For the fourth
quarter of 2014, the allowance for loan loss as a percentage of
total loans was 1.52% at December 31, 2014 compared with 2.01% at
December 31, 2013.
Total Assets
Total assets at December 31, 2014 were $1.8 billion compared to
$1.7 billion at December 31, 2013. Net loans were $1.1 billion at
December 31, 2014 compared to $1.0 billion at December 31, 2013.
Total cash and cash equivalents were $33.0 million at December 31,
2014 compared with $77.3 million at December 31, 2013.
Total deposits at December 31, 2014 were $1.3 billion compared
with $1.4 billion at December 31, 2013. Non-interest bearing
deposits at December 31, 2014 were $188.0 million compared to
$170.6 million at December 31, 2013. Total shareholders’ equity was
$240.1 million at December 31, 2014 compared to $175.1 million at
December 31, 2013.
Deferred Tax Asset Valuation
At the end of 2010, the Company established a deferred tax asset
(“DTA”) valuation allowance. In the course of its periodic
assessment of its DTA position, the Company was able to reverse
this valuation allowance in the second quarter of 2014. The Company
has determined that it is more likely than not it will be able to
fully realize its net deferred tax asset, including its tax loss
carryforward. This action resulted in the recognition of a $38.8
million income tax benefit in June of 2014.
Dividend to be Paid
The Board of Directors declared a quarterly cash dividend of
$0.01 per common share payable February 17, 2015 to shareholders of
record at the close of business February 6, 2015.
Conference Call
United Community Financial Corp. will host an earnings
conference call on Wednesday, January 28, 2015, at 10:00 a.m. EST.,
to provide an overview of the Company's fourth quarter 2014 results
and highlights. The conference call may be accessed by calling
1-888-317-6016 ten minutes prior to the start time. Please ask to
be joined into the United Community Financial Corporation (UCFC)
call. Additionally, a live webcast may be accessed from the
Company’s website www.ucfconline.com. Click on 4th Quarter 2014
Conference Call on our corporate profile page to join the
webcast.
United Community Financial Corp.
Home Savings is a wholly-owned subsidiary of the Company and
operates 32 full-service banking offices and nine loan production
offices located throughout Ohio and western Pennsylvania.
Additional information on the Company and Home Savings may be found
on the Company’s web site: www.ucfconline.com.
When used in this press release, the words or phrases
“believes,” “will likely result,” “are expected to,” “will
continue,” “is anticipated,” “estimate,” “project”, “will have”,
“can expect” or similar expressions are intended to identify
“forward-looking statements” within the meaning of the Private
Securities Litigation Reform Act of 1995. Such statements are
subject to certain risks and uncertainties, including changes in
economic conditions in the Company’s market area, changes in
policies by regulatory agencies, fluctuations in interest rates,
demand for loans in the Company’s market area, and competition that
could cause actual results to differ materially from historical
earnings and those presently anticipated or projected. The Company
cautions readers not to place undue reliance on any such
forward-looking statements, which speak only as of the date made.
The Company advises readers that the factors listed above could
affect the Company’s financial performance and could cause the
Company’s actual results for future periods to differ materially
from any opinions or statements expressed with respect to future
periods in any current statements.
The Company does not undertake, and specifically disclaims any
obligation, to release publicly the result of any revisions that
may be made to any forward-looking statements to reflect events or
circumstances after the date of such statements or to reflect the
occurrence of anticipated or unanticipated events.
_____________
(1) As part of the capital raise that was completed in the
second quarter of 2013, the Company issued preferred stock that was
later converted to common stock. Management is presenting 2013 net
income before amortization of the discount on preferred stock as it
provides useful information to investors about the Company’s
financial condition and results of operation because the preferred
stock was later converted to common stock and no dividend was
declared or paid on the preferred stock. However, because the
preferred stock was issued at a price below the then market price
of our common stock, the difference is deemed a non-cash dividend
under U.S. Generally Accepted Accounting Principles and is deducted
in the calculation of net income available to common shareholders.
Please refer to Note 23 of the Consolidated Financial Statements
found in the Company’s Form 10-K for the period ended December 31,
2013 for further detail.
(2) We use certain non-GAAP financial measures, such as adjusted
non-interest expense, to provide information for investors to
effectively analyze financial trends of ongoing business
activities, and to enhance comparability with peers across the
financial sector. We believe adjusting non-interest expense is
useful because it is a measure utilized by regulators, market
analysts and investors in evaluating a Company's financial
condition and capital strength. Adjusted non-interest expense, as
defined by us, represents non-interest expense minus prepayment
penalties. A reconciliation form our GAAP non-interest expense to
adjusted non-interest expense is presented below:
December 31,
2014
Non-interest expense
$ 55,960 Prepayment penalty 3,409 Adjusted non-interest
expense (Non-GAAP) $ 52,551
UNITED
COMMUNITY FINANCIAL CORP. CONSOLIDATED STATEMENTS OF
FINANCIAL CONDITION
(Unaudited)
December 31, December 31, 2014 2013
(Dollars in thousands)
Assets:
Cash and deposits with banks $ 21,152 $ 20,937 Federal funds sold
11,828 56,394 Total cash and cash
equivalents 32,980 77,331 Securities: Available for sale, at fair
value 499,790 511,006 Loans held for sale 20,730 4,838 Loans, net
of allowance for loan losses of $17,687 and $21,116 1,148,093
1,029,192 Federal Home Loan Bank stock, at cost 18,068 26,464
Premises and equipment, net 21,002 20,924 Accrued interest
receivable 5,763 5,694 Real estate owned and other repossessed
assets 3,467 6,341 Core deposit intangible 84 152 Cash surrender
value of life insurance 46,401 44,972 Other assets 37,172
10,936
Total assets
$ 1,833,550 $ 1,737,850
Liabilities and
Shareholders' Equity Liabilities: Deposits: Interest
bearing $ 1,159,871 $ 1,221,162 Non-interest bearing 187,965
170,590 Total deposits 1,347,836 1,391,752
Borrowed funds: Federal Home Loan Bank advances 186,194 50,000
Repurchase agreements and other 30,558 90,578
Total borrowed funds 216,752 140,578 Advance payments by
borrowers for taxes and insurance 19,904 20,060 Accrued interest
payable 185 550 Accrued expenses and other liabilities 8,738
9,836
Total liabilities
1,593,415 1,562,776
Shareholders'
Equity: Preferred stock-no par value; 1,000,000 shares
authorized and no shares outstanding - - Common stock-no par value;
499,000,000 shares authorized; 54,138,910 shares issued and
49,239,004 and 50,339,089 shares, respectively, outstanding 174,385
174,719 Retained earnings 128,512 81,515 Accumulated other
comprehensive loss (19,998 ) (41,665 ) Treasury stock, at cost,
4,899,906 and 3,799,821 shares, respectively (42,764 )
(39,495 )
Total shareholders’ equity 240,135
175,074
Total liabilities and shareholders’
equity
$ 1,833,550 $ 1,737,850
UNITED COMMUNITY FINANCIAL CORP.
CONSOLIDATED STATEMENTS OF OPERATIONS
(Unaudited)
For the Three Months Ended For the Twelve
Months Ended December 31, September 30, December 31, December 31,
December 31, 2014 2014 2013 2014 2013
(Dollars in thousands, except per share
data)
Interest income Loans $ 12,640 $ 12,436 $ 12,657 $ 49,559 $
49,724 Loans held for sale 217 114 63 454 310 Securities: Available
for sale 2,946 3,002 3,278 12,314 13,454 Federal Home Loan Bank
stock dividends 182 180 267 859 1,107 Other interest earning assets
7 4 47 58
149 Total interest income 15,992 15,736 16,312 63,244
64,744
Interest expense Deposits 1,583 1,548 1,780 6,435
7,623 Federal Home Loan Bank advances 443 537 530 2,022 2,106
Repurchase agreements and other 615 926
928 3,368 3,684 Total
interest expense 2,641 3,011
3,238 11,825 13,413
Net
interest income 13,351 12,725 13,074 51,419 51,331
Provision
for loan losses 194 116 282
(1,271 ) 4,116
Net interest income
after provision for loan losses 13,157
12,609 12,792 52,690
47,215
Non-interest income Non-deposit investment
income 259 408 373 1,415 1,562 Service fees and other charges
Mortgage servicing fees 684 678 704 2,737 2,808 Deposit related
fees 1,051 1,321 1,499 4,901 5,564 Mortgage servicing rights
valuation (54 ) 2 4 (58 ) 680 Mortgage servicing rights
amortization (428 ) (435 ) (431 ) (1,687 ) (2,143 ) Other service
fees 17 3 - 20 74 Net gains (losses): Securities available for sale
82 328 (1 ) 444 2,577 Mortgage banking income (30 ) 676 850 1,570
4,777 Real estate owned and other repossessed assets charges, net
(172 ) (203 ) (215 ) (800 ) (2,181 ) Card fees 893 837 850 3,354
3,584 Other income 603 559 491
1,845 2,447 Total non-interest
income 2,905 4,174 4,124
13,741 19,749
Non-interest
expense Salaries and employee benefits 6,683 7,001 7,176 29,546
29,142 Occupancy 847 874 906 3,469 3,390 Equipment and data
processing 1,918 1,791 1,863 7,470 7,103 Financial institutions tax
201 198 351 795 1,567 Advertising 221 181 247 838 893 Amortization
of core deposit intangible 16 17 20 68 86 Prepayment penalty 2,013
1,396 - 3,409 - FDIC assessment 341 295 592 1,216 2,347 Other
insurance premiums 85 138 137 495 662 Professional fees Legal and
consulting fees 85 184 264 607 781 Other professional fees 381 555
609 1,945 2,135 Real estate owned and other repossessed asset
expenses 92 189 310 631 1,450 Other expenses 1,056
1,433 2,502 5,471
7,181 Total non-interest expenses 13,939
14,252 14,977 55,960
56,737
Income before income taxes 2,123 2,531
1,939 10,471 10,227
Income tax expense (benefit)
(685 ) (369 ) (300 ) (39,735 )
200
Net income 2,808 2,900 2,239 50,206 10,027
Amortization of discount on preferred stock -
- - - 6,751
Earnings available to common shareholders $ 2,808 $
2,900 $ 2,239 $ 50,206 $ 3,276
Earnings per common share
Basic $ 0.06 $ 0.06 $ 0.04 $ 1.00 $ 0.07 Diluted 0.06 0.06 0.04
1.00 0.07
UNITED COMMUNITY FINANCIAL CORP.
SELECTED FINANCIAL HIGHLIGHTS
(Unaudited) At or for the quarters ended
December 31,
September 30,
June 30,
March 31, December 31,
2014
2014
2014
2014 2013
(Dollars in thousands, except per share
data)
Financial Data
Total assets $ 1,833,550 $ 1,801,540 $ 1,789,939 $ 1,749,144 $
1,737,850 Total loans, net 1,148,093 1,119,955 1,086,771 1,060,901
1,029,192 Total securities 499,790 507,125 516,637 517,388 511,006
Total deposits 1,347,836 1,346,377 1,375,474 1,398,067 1,391,752
Total shareholders' equity 240,135 233,706 235,049 189,829 175,074
Net interest income 13,351 12,725 12,741 12,602 13,074 Provision
for loan losses 194 116 (1,614 ) 33 282 Noninterest income 2,905
4,174 3,438 3,224 4,124 Noninterest expense 13,939 14,252 14,226
13,543 14,977 Income tax expense (benefit) (685 ) (369 ) (38,837 )
156 (300 ) Net income 2,808 2,900 42,404 2,094 2,239
Share Data Basic earnings per common share $ 0.06 $ 0.06 $
0.84 $ 0.04 $ 0.04 Diluted earnings per common share 0.06 0.06 0.84
0.04 0.04 Book value per common share 4.88 4.70 4.66 3.76 3.48
Tangible book value per common share 4.88 4.70 4.66 3.76 3.47
Market value per common share 5.37 4.68 4.13 3.92 3.57
Common shares outstanding at end of period 49,239 49,682 50,452
50,422 50,339 Weighted average shares outstanding--basic 49,244
49,698 50,274 50,196 50,114 Weighted average shares
outstanding--diluted 49,531 49,958 50,495 50,451 50,360
Key Ratios Return on average assets (1) 0.62 % 0.66 % 9.67 %
0.48 % 0.51 % Return on average equity (2) 4.70 % 4.99 % 84.84 %
4.52 % 4.82 % Net interest margin 3.16 % 3.06 % 3.09 % 3.07 % 3.17
% Efficiency ratio 72.85 %
(3)
76.55 %
(3)
87.77 % 83.45 % 85.89 % Nonperforming loans to total loans, end of
period 1.78 % 1.85 % 1.87 % 2.17 % 2.29 % Nonperforming assets to
total assets, end of period 1.30 % 1.40 % 1.39 % 1.58 % 1.72 %
Allowance for loan loss as a percent of loans, end of period 1.52 %
1.59 % 1.65 % 1.90 % 2.01 % Delinquent loans to total loans, end of
period 1.82 % 2.10 % 1.86 % 2.07 % 2.32 %
(1) Net income divided by average total
assets
(2) Net income divided by average total
equity
(3) Excludes penalty on the prepayment of
repurchase agreements
UNITED
COMMUNITY FINANCIAL CORP. SELECTED FINANCIAL HIGHLIGHTS
(Unaudited) At or for the quarters ended
December 31,
September 30,
June 30, March 31, December 31,
2014
2014
2014 2014 2013 (Dollars in thousands)
Loan Portfolio
Composition Commercial loans Multi-family $ 60,546 $
56,445 $ 52,938 $ 54,233 $ 54,485 Owner/nonowner occupied
commercial real estate 121,595 123,260 122,066 125,796 131,251 Land
9,484 9,487 9,635 9,829 9,683 Construction 13,959 4,667 1,010 207 -
Commercial and industrial 45,222 39,853
39,127 40,013 26,141
Total 250,806 233,712 224,776 230,078 221,560
Residential
mortgage loans Real estate 694,105 669,270 645,211 610,879
585,025 Construction 39,218 52,735
51,974 55,082 53,349
Total 733,323 722,005 697,185 665,961 638,374
Consumer
loans Consumer 180,754 181,474
182,027 184,409 189,231
Total 180,754 181,474
182,027 184,409 189,231
Total
loans 1,164,883 1,137,191 1,103,988 1,080,448 1,049,165 Less:
Allowance for loan losses 17,687 18,132 18,264 20,554 21,116
Deferred loan costs, net (897 ) (896 ) (1,047
) (1,007 ) (1,143 )
Total 16,790
17,236 17,217 19,547
19,973
Total loans, net $ 1,148,093 $
1,119,955 $ 1,086,771 $ 1,060,901 $ 1,029,192
At or for the quarters ended December 31,
September 30, June 30, March 31, December 31, 2014 2014 2014 2014
2013
(Dollars in thousands)
Deposit Portfolio Composition Checking accounts
Interest bearing checking accounts $ 137,511 $ 131,266 $ 133,999 $
136,031 $ 132,751 Non-interest bearing checking accounts
187,965 181,631 185,411
185,620 170,590
Total checking accounts
325,476 312,897 319,410 321,651 303,341 Savings accounts 274,149
273,192 277,404 278,906 267,515 Money market accounts
312,911 313,513 326,738
329,163 328,625
Total non-time deposits
912,536 899,602 923,552 929,720 899,481 Retail certificates of
deposit 435,300 446,774 451,922
468,347 492,271
Total
certificates of deposit 435,300 446,774
451,922 468,347 492,271
Total deposits $ 1,347,836 $ 1,346,376
$ 1,375,474 $ 1,398,067 $ 1,391,752
Certificates of deposit as a percent of total deposits 32.30 %
33.18 % 32.86 % 33.50 % 35.37 %
UNITED COMMUNITY FINANCIAL CORP. SELECTED
FINANCIAL HIGHLIGHTS (Unaudited) At or for the
quarters ended December 31, September 30,
June 30,
March 31,
December 31,
2014 2014
2014
2014
2013
(Dollars in thousands)
Allowance For Loan Losses
Beginning balance $ 18,132 $ 18,264 $ 20,554 $ 21,116 $ 21,032
Provision 194 116 (1,614 ) 33 282 Net (chargeoffs) recoveries
(639 ) (248 ) (676 ) (595 ) (198
) Ending balance $ 17,687 $ 18,132 $ 18,264 $
20,554 $ 21,116 At or for the quarters ended
December 31, September 30,
June 30,
March 31, December 31, 2014 2014
2014
2014 2013 (Dollars in thousands)
Net (Charge-offs)
Recoveries Commercial loans Multi-family $ - $ - $ (135
) $ (5 ) $ - Owner/nonowner occupied commercial real estate (25 )
(9 ) 56 (252 ) (29 ) Land - - - - 12 Construction - - - - (620 )
Commercial and industrial 199 158
218 137 139
Total
174 149 139 (120 ) (498 )
Residential mortgage loans Real
estate (141 ) (278 ) (181 ) (163 ) 42 Construction (488 )
(90 ) (330 ) (79 ) 451
Total (629 ) (368 ) (511 ) (242 ) 493
Consumer loans
Consumer (184 ) (29 ) (304 ) (233 )
(193 )
Total (184 ) (29 ) (304 )
(233 ) (193 )
Total net (chargeoffs)
recoveries $ (639 ) $ (248 ) $ (676 ) $ (595 ) $ (198 )
At or for the quarters ended December 31, September 30,
June 30,
March 31, December 31, 2014 2014
2014
2014 2013 (Dollars in thousands)
Nonperforming Loans
Commercial loans Multi-family $ 93 $ 114 $ 133 $ 1,158 $ 641
Owner/nonowner occupied commercial real estate 5,781 6,804 4,902
5,033 5,560 Land 531 531 532 532 496 Construction - - - - -
Commercial and industrial 4,016 4,144
4,151 4,155 4,158
Total 10,421 11,593 9,718 10,878 10,855
Residential
mortgage loans Real estate 6,816 4,700 5,380 6,133 6,356
Construction 1,051 2,453 2,553
2,884 3,084
Total 7,867
7,153 7,933 9,017 9,440
Consumer loans Consumer 2,163
1,960 2,663 3,089
3,293
Total 2,163 1,960
2,663 3,089 3,293
Total nonperforming loans $ 20,451 $ 20,706 $
20,314 $ 22,984 $ 23,588
Total Nonperforming Loans and Nonperforming Assets Past due
90 days and on nonaccrual status $ 16,017 $ 18,114 $ 16,636 $
18,708 $ 20,188 Past due 90 days and still accruing -
- - - 45
Past due 90 days 16,017 18,114 16,636 18,708 20,233 Past due less
than 90 days and on nonaccrual 4,434 2,592
3,678 4,276 3,355
Total nonperforming loans 20,451 20,706 20,314 22,984 23,588
Other real estate owned 3,345 4,445 4,546 4,700 6,318 Repossessed
assets 122 42 2 -
23
Total nonperforming assets $ 23,918
$ 25,193 $ 24,862 $ 27,684 $ 29,929
Media Contact:Home SavingsColleen Scott, Vice President
of Marketing, 330-742-0638cscott@homesavings.comorInvestor
Contact:United Community Financial Corp.Gary M. Small,
President and Chief Executive Officer, 330-742-0472
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