UCBI United Community Banks Inc

Price (delayed)

$33.06

Market cap

$2.87B

P/E Ratio

17.31

Dividend/share

$0.72

EPS

$1.91

Enterprise value

$1.59B

Sector: Financial Services
Industry: Banks - Regional

Highlights

United Community Banks's equity has increased by 23% YoY and by 2% QoQ
The gross profit has grown by 8% from the previous quarter and by 2.9% YoY
United Community Banks's EPS has decreased by 17% YoY but it has increased by 3.2% QoQ
The net income has contracted by 14% YoY but it has grown by 6% from the previous quarter
UCBI's P/E is 62% more than its last 4 quarters average of 10.7
United Community Banks's debt has soared by 54% YoY

Key stats

What are the main financial stats of UCBI
Market
Shares outstanding
86.74M
Market cap
$2.87B
Enterprise value
$1.59B
Valuations
Price to earnings (P/E)
17.31
Price to book (P/B)
1.43
Price to sales (P/S)
4.76
EV/EBIT
7.75
EV/EBITDA
8.09
EV/Sales
2.75
Earnings
Revenue
$577.43M
EBIT
$204.63M
EBITDA
$196.04M
Free cash flow
$141.12M
Per share
EPS
$1.91
Free cash flow per share
$1.7
Book value per share
$23.18
Revenue per share
$6.94
TBVPS
$209.33
Balance sheet
Total assets
$17.79B
Total liabilities
$15.79B
Debt
$326.96M
Equity
$2.01B
Working capital
N/A
Liquidity
Debt to equity
0.16
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.54
Margins
EBITDA margin
34%
Gross margin
100%
Net margin
27.6%
Operating margin
38.2%
Efficiency
Return on assets
1%
Return on equity
8.6%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
35.4%
Dividend
Dividend yield
2.18%
DPS
$0.72
Payout ratio
37.7%

UCBI stock price

How has the United Community Banks stock price performed over time
Intraday
-2.88%
1 week
0.15%
1 month
5.52%
1 year
23.5%
YTD
16.24%
QTD
16.24%

Financial performance

How have United Community Banks's revenue and profit performed over time
Revenue
$577.43M
Gross profit
$577.43M
Operating income
$220.44M
Net income
$159.27M
Gross margin
100%
Net margin
27.6%
United Community Banks's net margin has decreased by 16% YoY
The net income has contracted by 14% YoY but it has grown by 6% from the previous quarter
The company's operating margin fell by 14% YoY
The operating income has declined by 11% year-on-year but it has grown by 8% since 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
17.31
P/B
1.43
P/S
4.76
EV/EBIT
7.75
EV/EBITDA
8.09
EV/Sales
2.75
UCBI's P/E is 62% more than its last 4 quarters average of 10.7
United Community Banks's EPS has decreased by 17% YoY but it has increased by 3.2% QoQ
The stock's price to book (P/B) is 59% more than its last 4 quarters average of 0.9 and 2.1% more than its 5-year quarterly average of 1.4
United Community Banks's equity has increased by 23% YoY and by 2% QoQ
The price to sales (P/S) is 54% more than the last 4 quarters average of 3.1 and 16% more than the 5-year quarterly average of 4.1
The company's revenue rose by 8% QoQ and by 2.9% YoY

Efficiency

How efficient is United Community Banks business performance
UCBI's return on assets is down by 29% year-on-year
United Community Banks's return on equity has decreased by 26% YoY
The ROIC has declined by 26% year-on-year
United Community Banks's return on sales has decreased by 16% YoY

Dividends

What is UCBI's dividend history
DPS
$0.72
Dividend yield
2.18%
Payout ratio
37.7%
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
The company's total liabilities rose by 40% YoY and by 4% QoQ
United Community Banks's total assets has increased by 38% YoY and by 3.7% from the previous quarter
United Community Banks's debt is 84% less than its equity
United Community Banks's debt to equity has increased by 23% YoY but it has decreased by 6% from the previous quarter
United Community Banks's equity has increased by 23% YoY and by 2% QoQ

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