UCBI United Community Banks Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: UCBI

Price (delayed)

$31.49

Market cap

$2.73B

P/E Ratio

11.33

Dividend/share

$0.76

EPS

$2.78

Enterprise value

$1.57B

United Community Banks, Inc. is a bank holding company headquartered in Blairsville, Georgia, with executive offices in Greenville, South Carolina. United is one of the largest full-service financial institutions in ...

Highlights
The net income has soared by 58% YoY and by 22% from the previous quarter
United Community Banks's EPS has increased by 44% YoY and by 20% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ucbi.com
Peers: AMNB ABCB NRIM BANF

Key stats

What are the main financial stats of UCBI
Market
Shares outstanding
86.63M
Market cap
$2.73B
Enterprise value
$1.57B
Valuations
Price to earnings (P/E)
11.33
Price to book (P/B)
1.31
Price to sales (P/S)
3.84
EV/EBIT
5
EV/EBITDA
5.28
EV/Sales
2.19
Earnings
Revenue
$716.06M
EBIT
$314.13M
EBITDA
$297.38M
Free cash flow
$277.77M
Per share
EPS
$2.78
Free cash flow per share
$3.18
Book value per share
$24.04
Revenue per share
$8.2
TBVPS
$212.12
Balance sheet
Total assets
$18.9B
Total liabilities
$16.81B
Debt
$261.92M
Equity
$2.09B
Working capital
N/A
Liquidity
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.89
Margins
EBITDA margin
41.5%
Gross margin
100%
Net margin
33.8%
Operating margin
46.7%
Efficiency
Return on assets
1.3%
Return on equity
12%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
43.9%
Dividend
Dividend yield
2.41%
DPS
$0.76
Payout ratio
27.3%

UCBI stock price

How has the United Community Banks stock price performed over time
Intraday
3.31%
1 week
11.15%
1 month
2.64%
1 year
91.78%
YTD
10.72%
QTD
-1.62%

Financial performance

How have United Community Banks's revenue and profit performed over time
Revenue
$716.06M
Gross profit
$716.06M
Operating income
$334.43M
Net income
$242.35M
Gross margin
100%
Net margin
33.8%
The operating income has surged by 62% year-on-year and by 22% since the previous quarter
The net income has soared by 58% YoY and by 22% from the previous quarter
The gross profit has grown by 36% YoY and by 11% from the previous quarter
The company's revenue rose by 36% YoY and by 11% QoQ

Growth

What is United Community Banks's growth rate over time

Valuation

What is United Community Banks stock price valuation
P/E
11.33
P/B
1.31
P/S
3.84
EV/EBIT
5
EV/EBITDA
5.28
EV/Sales
2.19
United Community Banks's EPS has increased by 44% YoY and by 20% QoQ
UCBI's P/E is 34% less than its 5-year quarterly average of 16.7 and 13% less than its last 4 quarters average of 12.6
United Community Banks's equity has increased by 18% YoY and by 2.7% QoQ
The stock's price to book (P/B) is 9% less than its 5-year quarterly average of 1.4 but 6% more than its last 4 quarters average of 1.2
The company's revenue rose by 36% YoY and by 11% QoQ
The price to sales (P/S) is 11% less than the 5-year quarterly average of 4.2 and 2.1% less than the last 4 quarters average of 3.8

Efficiency

How efficient is United Community Banks business performance
United Community Banks's return on equity has increased by 30% YoY and by 18% QoQ
The ROIC has increased by 27% year-on-year and by 19% since the previous quarter
UCBI's return on assets is up by 18% year-on-year and by 8% since the previous quarter
United Community Banks's return on sales has increased by 18% YoY and by 11% QoQ

Dividends

What is UCBI's dividend history
DPS
$0.76
Dividend yield
2.41%
Payout ratio
27.3%
Recent dividends

Financial health

How did United Community Banks financials performed over time
United Community Banks's total assets is 12% more than its total liabilities
The company's total liabilities rose by 27% YoY
United Community Banks's total assets has increased by 26% YoY
United Community Banks's debt is 87% less than its equity
United Community Banks's debt to equity has decreased by 28% YoY and by 13% from the previous quarter
United Community Banks's equity has increased by 18% YoY and by 2.7% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.