UCBI United Community Banks Inc

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

Price (delayed)

$31.51

Market cap

$3.75B

P/E Ratio

20.59

Dividend/share

$0.92

EPS

$1.53

Enterprise value

$3.12B

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 decreased by 10% YoY
United Community Banks's equity has increased by 7% YoY
UCBI's P/E is 62% more than its 5-year quarterly average of 12.6 and 42% more than its last 4 quarters average of 14.4
United Community Banks's EPS has decreased by 41% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.ucbi.com
Peers: LION ABCB BANF COLB

Key stats

What are the main financial stats of UCBI
Market
Shares outstanding
119.14M
Market cap
$3.75B
Enterprise value
$3.12B
Valuations
Price to earnings (P/E)
20.59
Price to book (P/B)
1.14
Price to sales (P/S)
4.66
EV/EBIT
13.75
EV/EBITDA
11.53
EV/Sales
3.85
Earnings
Revenue
$809.76M
EBIT
$226.73M
EBITDA
$270.45M
Free cash flow
$231.61M
Per share
EPS
$1.53
Free cash flow per share
$1.94
Book value per share
$27.71
Revenue per share
$6.77
TBVPS
$220.43
Balance sheet
Total assets
$27.36B
Total liabilities
$24.06B
Debt
$324.85M
Equity
$3.3B
Working capital
N/A
Liquidity
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.36
Margins
EBITDA margin
33.4%
Gross margin
100%
Net margin
22.4%
Operating margin
29.9%
Efficiency
Return on assets
0.7%
Return on equity
5.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
28%
Dividend
Dividend yield
2.92%
DPS
$0.92
Payout ratio
60.1%

UCBI stock price

How has the United Community Banks stock price performed over time
Intraday
1.06%
1 week
7.91%
1 month
26.7%
1 year
8.36%
YTD
7.69%
QTD
23.76%

Financial performance

How have United Community Banks's revenue and profit performed over time
Revenue
$809.76M
Gross profit
$809.76M
Operating income
$242.52M
Net income
$181.32M
Gross margin
100%
Net margin
22.4%
The operating income has declined by 37% year-on-year
The net income has contracted by 36% YoY
The company's operating margin fell by 33% YoY
United Community Banks's net margin has decreased by 31% 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
20.59
P/B
1.14
P/S
4.66
EV/EBIT
13.75
EV/EBITDA
11.53
EV/Sales
3.85
UCBI's P/E is 62% more than its 5-year quarterly average of 12.6 and 42% more than its last 4 quarters average of 14.4
United Community Banks's EPS has decreased by 41% YoY
The stock's price to book (P/B) is 13% more than its last 4 quarters average of 1.0 but 6% less than its 5-year quarterly average of 1.2
United Community Banks's equity has increased by 7% YoY
The price to sales (P/S) is 21% more than the last 4 quarters average of 3.8 and 18% more than the 5-year quarterly average of 3.9
The company's revenue fell by 7% YoY

Efficiency

How efficient is United Community Banks business performance
United Community Banks's return on equity has decreased by 45% YoY
The ROIC has declined by 44% year-on-year
UCBI's return on assets is down by 42% year-on-year
United Community Banks's return on sales has decreased by 34% YoY

Dividends

What is UCBI's dividend history
Dividend details
DPS
$0.92
Dividend yield
2.92%
Payout ratio
60.1%
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
The company's total liabilities rose by 6% YoY
United Community Banks's total assets has increased by 6% YoY
United Community Banks's debt is 90% less than its equity
United Community Banks's debt to equity has decreased by 17% YoY
United Community Banks's debt has decreased by 10% YoY

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