UCBI United Community Banks Inc

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

Price (delayed)

$24.82

Market cap

$2.95B

P/E Ratio

9.81

Dividend/share

$0.91

EPS

$2.53

Enterprise value

$2.56B

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 grown by 20% YoY
UCBI's P/E is 17% less than its last 4 quarters average of 12.1 and 16% less than its 5-year quarterly average of 12.0
United Community Banks's EPS has increased by 5% YoY but it has decreased by 3.1% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ucbi.com
Peers: ABCB AMNB NRIM BANF

Key stats

What are the main financial stats of UCBI
Market
Shares outstanding
118.85M
Market cap
$2.95B
Enterprise value
$2.56B
Valuations
Price to earnings (P/E)
9.81
Price to book (P/B)
0.92
Price to sales (P/S)
3.29
EV/EBIT
7.07
EV/EBITDA
6.24
EV/Sales
2.94
Earnings
Revenue
$873.53M
EBIT
$362.82M
EBITDA
$411.02M
Free cash flow
$382.3M
Per share
EPS
$2.53
Free cash flow per share
$3.3
Book value per share
$26.97
Revenue per share
$7.55
TBVPS
$217.34
Balance sheet
Total assets
$26.12B
Total liabilities
$23.01B
Debt
$324.75M
Equity
$3.11B
Working capital
N/A
Liquidity
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.94
Margins
EBITDA margin
47.1%
Gross margin
100%
Net margin
32%
Operating margin
43.5%
Efficiency
Return on assets
1.1%
Return on equity
9.7%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
41.5%
Dividend
Dividend yield
3.67%
DPS
$0.91
Payout ratio
36%

UCBI stock price

How has the United Community Banks stock price performed over time
Intraday
-2.32%
1 week
-1.63%
1 month
-10.04%
1 year
-25.02%
YTD
-26.57%
QTD
-2.32%

Financial performance

How have United Community Banks's revenue and profit performed over time
Revenue
$873.53M
Gross profit
$873.53M
Operating income
$380.02M
Net income
$279.78M
Gross margin
100%
Net margin
32%
The net income has grown by 20% YoY
The operating income has grown by 19% year-on-year
The company's revenue rose by 16% YoY
The gross profit has grown by 16% YoY

Growth

What is United Community Banks's growth rate over time

Valuation

What is United Community Banks stock price valuation
UCBI P/E details
P/E
9.81
P/B
0.92
P/S
3.29
EV/EBIT
7.07
EV/EBITDA
6.24
EV/Sales
2.94
UCBI's P/E is 17% less than its last 4 quarters average of 12.1 and 16% less than its 5-year quarterly average of 12.0
United Community Banks's EPS has increased by 5% YoY but it has decreased by 3.1% QoQ
The stock's price to book (P/B) is 22% less than its 5-year quarterly average of 1.2 and 22% less than its last 4 quarters average of 1.2
United Community Banks's equity has increased by 17% YoY
The company's revenue rose by 16% YoY
The price to sales (P/S) is 16% less than the last 4 quarters average of 4.0 and 14% less than the 5-year quarterly average of 3.9

Efficiency

How efficient is United Community Banks business performance
UCBI's return on assets is up by 10% year-on-year but it is down by 8% since the previous quarter
The ROIC has declined by 6% since the previous quarter
United Community Banks's return on equity has decreased by 4.9% QoQ
United Community Banks's return on sales has increased by 4.3% YoY but it has decreased by 2.1% QoQ

Dividends

What is UCBI's dividend history
Dividend details
DPS
$0.91
Dividend yield
3.67%
Payout ratio
36%
Recent dividends

Financial health

How did United Community Banks financials performed over time
United Community Banks's total assets is 13% more than its total liabilities
United Community Banks's total assets has increased by 8% YoY
The company's total liabilities rose by 7% YoY
United Community Banks's debt is 90% less than its equity
United Community Banks's debt to equity has decreased by 17% from the previous quarter and by 17% YoY
United Community Banks's equity has increased by 17% YoY

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