UCBI United Community Banks Inc

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

Price (delayed)

$28.62

Market cap

$3.29B

P/E Ratio

11.36

Dividend/share

$0.88

EPS

$2.52

Enterprise value

$3.68B

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
United Community Banks's equity has increased by 22% YoY and by 2.5% QoQ
UCBI's P/E is 20% less than its 5-year quarterly average of 14.2 and 15% less than its last 4 quarters average of 13.4
United Community Banks's EPS has decreased by 15% YoY but it has increased by 8% 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
115.03M
Market cap
$3.29B
Enterprise value
$3.68B
Valuations
Price to earnings (P/E)
11.36
Price to book (P/B)
1.13
Price to sales (P/S)
3.7
EV/EBIT
10.58
EV/EBITDA
9.33
EV/Sales
4.45
Earnings
Revenue
$826.15M
EBIT
$347.67M
EBITDA
$394.37M
Free cash flow
$574.35M
Per share
EPS
$2.52
Free cash flow per share
$5.38
Book value per share
$25.44
Revenue per share
$7.75
TBVPS
$217.79
Balance sheet
Total assets
$24.01B
Total liabilities
$21.31B
Debt
$1.03B
Equity
$2.7B
Working capital
N/A
Liquidity
Debt to equity
0.38
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.98
Margins
EBITDA margin
47.7%
Gross margin
100%
Net margin
32.6%
Operating margin
44.2%
Efficiency
Return on assets
1.1%
Return on equity
10.1%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
42.1%
Dividend
Dividend yield
3.07%
DPS
$0.88
Payout ratio
34.9%

UCBI stock price

How has the United Community Banks stock price performed over time
Intraday
1.53%
1 week
3.77%
1 month
-13.48%
1 year
-20.65%
YTD
-15.33%
QTD
-15.33%

Financial performance

How have United Community Banks's revenue and profit performed over time
Revenue
$826.15M
Gross profit
$826.15M
Operating income
$365.35M
Net income
$269.14M
Gross margin
100%
Net margin
32.6%
The operating income has grown by 12% since the previous quarter
The net income has grown by 12% from the previous quarter and by 3% YoY
The gross profit has grown by 11% YoY and by 6% from the previous quarter
The company's revenue rose by 11% YoY and by 6% QoQ

Growth

What is United Community Banks's growth rate over time

Valuation

What is United Community Banks stock price valuation
P/E
11.36
P/B
1.13
P/S
3.7
EV/EBIT
10.58
EV/EBITDA
9.33
EV/Sales
4.45
UCBI's P/E is 20% less than its 5-year quarterly average of 14.2 and 15% less than its last 4 quarters average of 13.4
United Community Banks's EPS has decreased by 15% YoY but it has increased by 8% QoQ
United Community Banks's equity has increased by 22% YoY and by 2.5% QoQ
The stock's price to book (P/B) is 13% less than its 5-year quarterly average of 1.3 and 13% less than its last 4 quarters average of 1.3
The price to sales (P/S) is 20% less than the last 4 quarters average of 4.6 and 10% less than the 5-year quarterly average of 4.1
The company's revenue rose by 11% YoY and by 6% QoQ

Efficiency

How efficient is United Community Banks business performance
The ROIC has declined by 21% year-on-year but it has increased by 7% since the previous quarter
United Community Banks's return on equity has decreased by 19% YoY but it has increased by 7% QoQ
UCBI's return on assets is down by 15% year-on-year but it is up by 10% since the previous quarter
United Community Banks's return on sales has decreased by 8% YoY but it has increased by 6% QoQ

Dividends

What is UCBI's dividend history
Dividend details
DPS
$0.88
Dividend yield
3.07%
Payout ratio
34.9%
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 15% YoY
The company's total liabilities rose by 14% YoY
United Community Banks's debt is 62% less than its equity
United Community Banks's equity has increased by 22% YoY and by 2.5% QoQ

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