UCBI United Community Banks Inc

Price (delayed)

$26.32

Market cap

$3.13B

P/E Ratio

17.09

Dividend/share

$0.92

EPS

$1.54

Enterprise value

$2.46B

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 debt has plunged by 69% YoY and by 10% from the previous quarter
United Community Banks's equity has increased by 21% YoY and by 2.4% QoQ
United Community Banks's EPS has decreased by 39% YoY and by 29% QoQ
UCBI's P/E is 38% more than its 5-year quarterly average of 12.4 and 34% more than its last 4 quarters average of 12.8

Key stats

What are the main financial stats of UCBI
Market
Shares outstanding
119.08M
Market cap
$3.13B
Enterprise value
$2.46B
Valuations
Price to book (P/B)
0.96
Price to sales (P/S)
3.85
EV/EBIT
10.87
EV/EBITDA
9.07
EV/Sales
3.05
Earnings
Revenue
$803.82M
EBIT
$225.85M
EBITDA
$270.81M
Free cash flow
$226.15M
Per share
EPS
$1.54
Free cash flow per share
$1.92
Book value per share
$27.41
Revenue per share
$6.84
TBVPS
$223.69
Balance sheet
Total assets
$27.3B
Total liabilities
$24.04B
Debt
$324.82M
Equity
$3.26B
Working capital
N/A
Liquidity
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.51
Margins
EBITDA margin
33.7%
Gross margin
100%
Net margin
22.5%
Operating margin
30.1%
Efficiency
Return on assets
0.7%
Return on equity
5.7%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
28.1%
Dividend
Dividend yield
3.5%
DPS
$0.92
Payout ratio
59.7%

UCBI stock price

How has the United Community Banks stock price performed over time
Intraday
1.35%
1 week
3.34%
1 month
2.97%
1 year
-7.09%
YTD
-10.05%
QTD
-10.05%

Financial performance

How have United Community Banks's revenue and profit performed over time
Revenue
$803.82M
Gross profit
$803.82M
Operating income
$242.27M
Net income
$180.85M
Gross margin
100%
Net margin
22.5%
The operating income has declined by 34% year-on-year and by 28% since the previous quarter
The net income has contracted by 33% YoY and by 27% from the previous quarter
The company's operating margin fell by 32% YoY and by 23% QoQ
United Community Banks's net margin has decreased by 31% YoY and by 22% from the previous quarter

Growth

What is United Community Banks's growth rate over time

Valuation

What is United Community Banks stock price valuation
P/E
17.09
P/B
0.96
P/S
3.85
EV/EBIT
10.87
EV/EBITDA
9.07
EV/Sales
3.05
United Community Banks's EPS has decreased by 39% YoY and by 29% QoQ
UCBI's P/E is 38% more than its 5-year quarterly average of 12.4 and 34% more than its last 4 quarters average of 12.8
United Community Banks's equity has increased by 21% YoY and by 2.4% QoQ
The stock's price to book (P/B) is 20% less than its 5-year quarterly average of 1.2 and 4% less than its last 4 quarters average of 1.0
The company's revenue fell by 7% QoQ and by 2.7% YoY
The price to sales (P/S) is 4.1% more than the last 4 quarters average of 3.7

Efficiency

How efficient is United Community Banks business performance
United Community Banks's return on equity has decreased by 44% YoY and by 30% QoQ
The ROIC has declined by 40% year-on-year and by 31% since the previous quarter
UCBI's return on assets is down by 36% year-on-year and by 30% since the previous quarter
United Community Banks's return on sales has decreased by 33% YoY and by 24% QoQ

Dividends

What is UCBI's dividend history
DPS
$0.92
Dividend yield
3.5%
Payout ratio
59.7%
Recent dividends

Financial health

How did United Community Banks financials performed over time
United Community Banks's total assets is 14% more than its total liabilities
United Community Banks's total assets has increased by 14% YoY
The company's total liabilities rose by 13% YoY
United Community Banks's debt is 90% less than its equity
United Community Banks's debt to equity has plunged by 74% YoY and by 9% from the previous quarter
United Community Banks's debt has plunged by 69% YoY and by 10% from the previous quarter

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