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UCB United Community Banks Inc
Price (delayed)
$29.89
Market cap
$3.56B
P/E Ratio
19.41
Dividend/share
$0.24
EPS
$1.54
Enterprise value
$3.32B
Highlights
United Community Banks's equity has increased by 8% YoY
The gross profit has contracted by 5% YoY but it has grown by 2.4% from the previous quarter
The company's revenue fell by 5% YoY but it rose by 2.4% QoQ
UCB's P/E is 47% more than its 5-year quarterly average of 12.8 and 17% more than its last 4 quarters average of 16.1
United Community Banks's EPS has decreased by 39% YoY
Key stats
What are the main financial stats of UCB
Market
Valuations
Earnings
Shares outstanding
119.2M
Market cap
$3.56B
Enterprise value
$3.32B
Price to earnings (P/E)
19.41
Price to book (P/B)
1.07
Price to sales (P/S)
4.32
EV/EBIT
14.37
EV/EBITDA
12.17
EV/Sales
4.01
Revenue
$828.86M
EBIT
$231.32M
EBITDA
$273.3M
Free cash flow
$245.12M
Per share
Balance sheet
Liquidity
EPS
$1.54
Free cash flow per share
$2.05
Book value per share
$28.06
Revenue per share
$6.92
TBVPS
$217.82
Total assets
$27.06B
Total liabilities
$23.71B
Debt
$324.89M
Equity
$3.34B
Working capital
N/A
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.87
Margins
Efficiency
Dividend
EBITDA margin
33%
Gross margin
100%
Net margin
22.3%
Operating margin
29.7%
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
27.9%
Dividend yield
0.8%
DPS
$0.24
Payout ratio
15.6%
UCB stock price
How has the United Community Banks stock price performed over time
Intraday
3.03%
1 week
8.34%
1 month
2.89%
1 year
19.94%
YTD
2.15%
QTD
2.79%
Financial performance
How have United Community Banks's revenue and profit performed over time
Revenue
$828.86M
Gross profit
$828.86M
Operating income
$246.47M
Net income
$184.76M
Gross margin
100%
Net margin
22.3%
The operating income has declined by 35% year-on-year
The net income has contracted by 34% YoY
The company's operating margin fell by 32% YoY
United Community Banks's net margin has decreased by 30% YoY
Growth
What is United Community Banks's growth rate over time
Valuation
What is United Community Banks stock price valuation
P/E
19.41
P/B
1.07
P/S
4.32
EV/EBIT
14.37
EV/EBITDA
12.17
EV/Sales
4.01
UCB's P/E is 47% more than its 5-year quarterly average of 12.8 and 17% more than its last 4 quarters average of 16.1
United Community Banks's EPS has decreased by 39% YoY
The stock's price to book (P/B) is 14% less than its 5-year quarterly average of 1.2 but 3% more than its last 4 quarters average of 1.0
United Community Banks's equity has increased by 8% YoY
The price to sales (P/S) is 10% more than the last 4 quarters average of 3.8 and 7% more than the 5-year quarterly average of 3.9
The company's revenue fell by 5% YoY but it rose by 2.4% QoQ
Efficiency
How efficient is United Community Banks business performance
United Community Banks's return on equity has decreased by 42% YoY
The ROIC has declined by 40% year-on-year
UCB's return on assets is down by 36% year-on-year
United Community Banks's return on sales has decreased by 33% YoY
Dividends
What is UCB's dividend history
DPS
$0.24
Dividend yield
0.8%
Payout ratio
15.6%
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 total assets has increased by 3.6% YoY
The company's total liabilities rose by 3% YoY
United Community Banks's debt is 90% less than its equity
United Community Banks's equity has increased by 8% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.