UCBI United Community Banks Inc

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

Price (delayed)

$34.21

Market cap

$3.63B

P/E Ratio

14.2

Dividend/share

$0.82

EPS

$2.41

Enterprise value

$2.74B

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 27% YoY
The company's revenue rose by 5% YoY and by 2.6% QoQ
UCBI's P/E is 16% more than its last 4 quarters average of 12.2 but 7% less than its 5-year quarterly average of 15.3
United Community Banks's debt has increased by 24% YoY
United Community Banks's EPS has decreased by 13% YoY and by 7% 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
106.06M
Market cap
$3.63B
Enterprise value
$2.74B
Valuations
Price to earnings (P/E)
14.2
Price to book (P/B)
1.37
Price to sales (P/S)
4.84
EV/EBIT
9.13
EV/EBITDA
8.48
EV/Sales
3.63
Earnings
Revenue
$753.98M
EBIT
$299.78M
EBITDA
$322.76M
Free cash flow
$523.78M
Per share
EPS
$2.41
Free cash flow per share
$4.91
Book value per share
$25.01
Revenue per share
$7.07
TBVPS
$219.78
Balance sheet
Total assets
$24.21B
Total liabilities
$21.56B
Debt
$324.37M
Equity
$2.65B
Working capital
N/A
Liquidity
Debt to equity
0.12
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.76
Margins
EBITDA margin
42.8%
Gross margin
100%
Net margin
30.8%
Operating margin
42.2%
Efficiency
Return on assets
1%
Return on equity
9.6%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
39.8%
Dividend
Dividend yield
2.4%
DPS
$0.82
Payout ratio
34%

UCBI stock price

How has the United Community Banks stock price performed over time
Intraday
-0.06%
1 week
0.62%
1 month
10.82%
1 year
12.53%
YTD
-4.81%
QTD
13.32%

Financial performance

How have United Community Banks's revenue and profit performed over time
Revenue
$753.98M
Gross profit
$753.98M
Operating income
$318.23M
Net income
$232.46M
Gross margin
100%
Net margin
30.8%
The company's operating margin fell by 10% YoY and by 4.5% QoQ
United Community Banks's net margin has decreased by 9% YoY and by 4% from the previous quarter
The operating income has declined by 4.8% year-on-year
The company's revenue rose by 5% YoY and by 2.6% QoQ

Growth

What is United Community Banks's growth rate over time

Valuation

What is United Community Banks stock price valuation
P/E
14.2
P/B
1.37
P/S
4.84
EV/EBIT
9.13
EV/EBITDA
8.48
EV/Sales
3.63
UCBI's P/E is 16% more than its last 4 quarters average of 12.2 but 7% less than its 5-year quarterly average of 15.3
United Community Banks's EPS has decreased by 13% YoY and by 7% QoQ
United Community Banks's equity has increased by 27% YoY
The stock's price to book (P/B) is 5% more than its last 4 quarters average of 1.3 but 2.1% less than its 5-year quarterly average of 1.4
The price to sales (P/S) is 18% more than the 5-year quarterly average of 4.1 and 13% more than the last 4 quarters average of 4.3
The company's revenue rose by 5% YoY and by 2.6% QoQ

Efficiency

How efficient is United Community Banks business performance
UCBI's return on assets is down by 23% year-on-year and by 9% since the previous quarter
The ROIC has declined by 21% year-on-year and by 6% since the previous quarter
United Community Banks's return on equity has decreased by 20% YoY and by 7% QoQ
United Community Banks's return on sales has decreased by 9% YoY and by 4.3% QoQ

Dividends

What is UCBI's dividend history
Dividend details
DPS
$0.82
Dividend yield
2.4%
Payout ratio
34%
Recent dividends

Financial health

How did United Community Banks financials performed over time
United Community Banks's total assets is 12% more than its total liabilities
United Community Banks's total assets has increased by 28% YoY
The company's total liabilities rose by 28% YoY
United Community Banks's debt is 88% less than its equity
United Community Banks's equity has increased by 27% YoY
United Community Banks's debt has increased by 24% YoY

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