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UCB United Community Banks Inc

Price (delayed)

$28.62

Market cap

$3.42B

P/E Ratio

14.03

Dividend/share

$0.72

EPS

$2.04

Enterprise value

$3.35B

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 18% less than its last 4 quarters average of 17.1 but 3.9% more than its 5-year quarterly average of 13.5
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
Shares outstanding
119.44M
Market cap
$3.42B
Enterprise value
$3.35B
Valuations
Price to earnings (P/E)
14.03
Price to book (P/B)
0.99
Price to sales (P/S)
3.8
EV/EBIT
10.62
EV/EBITDA
9.4
EV/Sales
3.71
Earnings
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
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
Balance sheet
Total assets
$27.72B
Total liabilities
$24.29B
Debt
$449.15M
Equity
$3.43B
Working capital
N/A
Liquidity
Debt to equity
0.13
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.2
Margins
EBITDA margin
39.5%
Gross margin
100%
Net margin
27.1%
Operating margin
36.8%
Efficiency
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
Dividend yield
2.52%
DPS
$0.72
Payout ratio
35.3%

UCB stock price

How has the United Community Banks stock price performed over time
Intraday
2.14%
1 week
2.65%
1 month
20.56%
1 year
8.53%
YTD
-11.42%
QTD
1.74%

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%
UCB financials
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

Price vs fundamentals

How does UCB's price correlate with its fundamentals
Price vs fundamentals
Earnings waterfall

Growth

What is United Community Banks's growth rate over time
UCB growth chart

Valuation

What is United Community Banks stock price valuation
P/E
14.03
P/B
0.99
P/S
3.8
EV/EBIT
10.62
EV/EBITDA
9.4
EV/Sales
3.71
Valuation vs average
Price to earnings (P/E)
United Community Banks's EPS has increased by 33% QoQ and by 32% YoY
UCB's P/E is 18% less than its last 4 quarters average of 17.1 but 3.9% more than its 5-year quarterly average of 13.5
Price to book (P/B)
The stock's price to book (P/B) is 10% less than its 5-year quarterly average of 1.1
United Community Banks's equity has increased by 5% YoY
Price to sales (P/S)
The company's revenue rose by 12% YoY and by 9% QoQ
The price to sales (P/S) is 5% less than the 5-year quarterly average of 4.0 and 5% less than the last 4 quarters average of 4.0

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
$0.72
Dividend yield
2.52%
Payout ratio
35.3%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did United Community Banks financials performed over time
Assets vs liabilities
United Community Banks's total assets is 14% more than its total liabilities
Debt vs equity
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
Balance sheet

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