UCB United Community Banks Inc
Price (delayed)
$28.06
Market cap
$3.35B
P/E Ratio
13.75
Dividend/share
$0.48
EPS
$2.04
Enterprise value
$3.28B
Highlights
The net income has grown by 35% YoY and by 33% from the previous quarter
United Community Banks's EPS has increased by 33% QoQ and by 32% YoY
UCB's P/E is 20% less than its last 4 quarters average of 17.1 but 3.4% more than its 5-year quarterly average of 13.3
United Community Banks's debt has increased by 42% from the previous quarter and by 38% YoY
Key stats
What are the main financial stats of UCB
Market
Valuations
Earnings
Shares outstanding
119.44M
Market cap
$3.35B
Enterprise value
$3.28B
Price to earnings (P/E)
13.75
Price to book (P/B)
0.98
Price to sales (P/S)
3.73
EV/EBIT
10.41
EV/EBITDA
9.21
EV/Sales
3.64
Revenue
$901.17M
Gross profit
$901.17M
Operating income
$331.39M
Net income
$244.63M
EBIT
$315.24M
EBITDA
$356.17M
Free cash flow
$303.85M
Per share
Balance sheet
Liquidity
EPS
$2.04
EPS diluted
$2.04
Free cash flow per share
$2.54
Book value per share
$28.77
Revenue per share
$7.52
TBVPS
$223.43
Total assets
$27.72B
Total liabilities
$24.29B
Debt
$449.15M
Equity
$3.43B
Working capital
N/A
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.2
Margins
Efficiency
Dividend
EBITDA margin
39.5%
Gross margin
100%
Net margin
27.1%
Operating margin
36.8%
Return on assets
0.9%
Return on equity
7.3%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
35%
Dividend yield
1.71%
DPS
$0.48
Payout ratio
23.5%
UCB stock price
How has the United Community Banks stock price performed over time
Intraday
-1.02%
1 week
-7.85%
1 month
-18.83%
1 year
7.51%
YTD
-13.15%
QTD
-13.15%
Financial performance
How have United Community Banks's revenue and profit performed over time
Revenue
$901.17M
Gross profit
$901.17M
Operating income
$331.39M
Net income
$244.63M
Gross margin
100%
Net margin
27.1%
The operating income has grown by 37% year-on-year and by 35% since the previous quarter
The net income has grown by 35% YoY and by 33% from the previous quarter
The company's operating margin rose by 24% QoQ and by 22% YoY
United Community Banks's net margin has increased by 22% from the previous quarter and by 20% YoY
Growth
What is United Community Banks's growth rate over time
Valuation
What is United Community Banks stock price valuation
P/E
13.75
P/B
0.98
P/S
3.73
EV/EBIT
10.41
EV/EBITDA
9.21
EV/Sales
3.64
United Community Banks's EPS has increased by 33% QoQ and by 32% YoY
UCB's P/E is 20% less than its last 4 quarters average of 17.1 but 3.4% more than its 5-year quarterly average of 13.3
The stock's price to book (P/B) is 11% less than its 5-year quarterly average of 1.1 and 2% less than its last 4 quarters average of 1.0
United Community Banks's equity has increased by 5% YoY
The company's revenue rose by 12% YoY and by 9% QoQ
The price to sales (P/S) is 7% less than the last 4 quarters average of 4.0 and 4.4% less than the 5-year quarterly average of 3.9
Efficiency
How efficient is United Community Banks business performance
The ROIC has increased by 33% since the previous quarter and by 33% year-on-year
United Community Banks's return on equity has increased by 33% QoQ and by 28% YoY
UCB's return on assets is up by 29% since the previous quarter and by 29% year-on-year
United Community Banks's return on sales has increased by 25% QoQ and by 25% YoY
Dividends
What is UCB's dividend history
DPS
$0.48
Dividend yield
1.71%
Payout ratio
23.5%
Recent dividends
Special dividends are included in TTM DPS and yield
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 debt is 87% less than its equity
United Community Banks's debt to equity has increased by 44% from the previous quarter and by 30% YoY
United Community Banks's debt has increased by 42% from the previous quarter and by 38% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.