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UCB United Community Banks Inc
Price (delayed)
$32.21
Market cap
$3.84B
P/E Ratio
21.05
Dividend/share
$0.48
EPS
$1.53
Enterprise value
$3.42B
Highlights
United Community Banks's debt has decreased by 13% YoY and by 2.6% from the previous quarter
United Community Banks's equity has increased by 7% YoY
UCB's P/E is 61% more than its 5-year quarterly average of 13.1 and 18% more than its last 4 quarters average of 17.9
United Community Banks's EPS has decreased by 30% YoY
Key stats
What are the main financial stats of UCB
Market
Valuations
Earnings
Shares outstanding
119.29M
Market cap
$3.84B
Enterprise value
$3.42B
Price to earnings (P/E)
21.05
Price to book (P/B)
1.13
Price to sales (P/S)
4.66
EV/EBIT
14.83
EV/EBITDA
12.52
EV/Sales
4.13
Revenue
$827.44M
Gross profit
$827.44M
Net income
$183.49M
EBIT
$230.55M
EBITDA
$273.04M
Free cash flow
$171.35M
Per share
Balance sheet
Liquidity
EPS
$1.53
EPS diluted
$1.53
Free cash flow per share
$1.43
Book value per share
$28.58
Revenue per share
$6.91
TBVPS
$220.32
Total assets
$27.37B
Total liabilities
$23.97B
Debt
$316.36M
Equity
$3.41B
Working capital
N/A
Debt to equity
0.09
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.55
Margins
Efficiency
Dividend
EBITDA margin
33%
Gross margin
100%
Net margin
22.2%
Operating margin
29.7%
Return on assets
0.7%
Return on equity
5.5%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
27.9%
Dividend yield
1.49%
DPS
$0.48
Payout ratio
31.4%
UCB stock price
How has the United Community Banks stock price performed over time
Intraday
1.32%
1 week
-2.07%
1 month
-6.01%
1 year
8.71%
YTD
10.08%
QTD
10.76%
Financial performance
How have United Community Banks's revenue and profit performed over time
Revenue
$827.44M
Gross profit
$827.44M
Operating income
$245.99M
Net income
$183.49M
Gross margin
100%
Net margin
22.2%
The operating income has declined by 27% year-on-year
The net income has contracted by 26% YoY
The company's operating margin fell by 24% YoY
United Community Banks's net margin has decreased by 23% YoY
Growth
What is United Community Banks's growth rate over time
Valuation
What is United Community Banks stock price valuation
P/E
21.05
P/B
1.13
P/S
4.66
EV/EBIT
14.83
EV/EBITDA
12.52
EV/Sales
4.13
UCB's P/E is 61% more than its 5-year quarterly average of 13.1 and 18% more than its last 4 quarters average of 17.9
United Community Banks's EPS has decreased by 30% YoY
The stock's price to book (P/B) is 13% more than its last 4 quarters average of 1.0 and 2.7% more than its 5-year quarterly average of 1.1
United Community Banks's equity has increased by 7% YoY
The price to sales (P/S) is 19% more than the 5-year quarterly average of 3.9 and 17% more than the last 4 quarters average of 4.0
The company's revenue fell by 4% YoY
Efficiency
How efficient is United Community Banks business performance
United Community Banks's return on equity has decreased by 33% YoY
The ROIC has declined by 31% year-on-year
UCB's return on assets is down by 30% year-on-year
United Community Banks's return on sales has decreased by 25% YoY
Dividends
What is UCB's dividend history
DPS
$0.48
Dividend yield
1.49%
Payout ratio
31.4%
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 91% less than its equity
United Community Banks's debt to equity has decreased by 18% YoY and by 10% from the previous quarter
United Community Banks's debt has decreased by 13% YoY and by 2.6% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.