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Ticker
UCBI

Price
-
Stock movement up
+0.26 (0.93%)
Company name
United Community Banks Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
3.35B
Ent value
27.26B
Price/Sales
2.57
Price/Book
1.00
Div yield
3.42%
Div growth
9.67%
Growth years
7
FCF payout
54.26%
Trailing P/E
17.54
Forward P/E
11.75
PEG
17.54
EPS growth
-5.24%
1 year return
-5.23%
3 year return
-1.18%
5 year return
0.62%
10 year return
5.43%
Last updated: 2024-12-17

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.96
Dividend yield3.42%
Payout frequencyQuarterly
Maximum yield4.54%
Average yield2.97%
Minimum yield2.08%
Discount to avg yield13.11%
Upside potential15.09%
Yield as % of max yield75.28%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.42%
Current yield distribution30.87%
Yield at 100% (Min)2.08%
Yield at 90%2.28%
Yield at 80%2.36%
Yield at 50% (Median)2.73%
Yield at 20%3.65%
Yield at 10%3.85%
Yield at 0% (Max)4.54%

Dividend per share

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Dividend per share data
Years of growth7 years
CCC statusDividend Challenger
Dividend per share0.96
Payout frequencyQuarterly
Ex-div date16 Sep 2024
EPS (TTM)1.59
EPS (1y forward)2.39
EPS growth (5y)-5.24%
EPS growth (5y forward)1.00%

Dividend growth

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Dividend growth data
UCBIS&P500
DGR MR4.35%-13.74%
DGR TTM2.20%6.60%
DGR 3 years8.51%5.24%
DGR 5 years9.67%5.40%
DGR 10 years-7.07%
DGR 15 years5.15%6.12%
Time since last change announced243 days
EPS growth (5y)-5.24%
EPS growth (5y forward)1.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM45.64%54.26%
Average44.55%18.35%
Forward40.17%-

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E17.54
Price to OCF16.50
Price to FCF20.86
Price to EBITDA56.98
EV to EBITDA464.04

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.57
Price to Book1.00
EV to Sales20.91

FINANCIALS

Per share

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Per share data
Current share count119.17M
EPS (TTM)1.59
FCF per share (TTM)1.34

Income statement

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Income statement data
Revenue (TTM)1.30B
Gross profit (TTM)1.09B
Operating income (TTM)153.72M
Net income (TTM)190.83M
EPS (TTM)1.59
EPS (1y forward)2.39

Margins

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Margins data
Gross margin (TTM)83.82%
Operating margin (TTM)11.79%
Profit margin (TTM)14.64%

Balance Sheet

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Balance Sheet data
Cash-198.23M
Net receivables0.00
Total current assets565.11M
Goodwill0.00
Intangible assets0.00
Property, plant and equipment0.00
Total assets27.06B
Accounts payable0.00
Short/Current long term debt324.89M
Total current liabilities18.16B
Total liabilities23.71B
Shareholder's equity3.34B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)202.89M
Capital expenditures (TTM)42.39M
Free cash flow (TTM)160.50M
Dividends paid (TTM)87.09M

Financial returns

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Financial returns data
Return on Equity5.71%
Return on Assets0.71%
Return on Invested Capital5.71%
Cash Return on Invested Capital4.80%

STOCK INFORMATION

Downside potential

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Downside potential data
UCBIS&P500
Current price drop from All-time high-83.10%-7.56%
Highest price drop-96.24%-56.47%
Date of highest drop14 Mar 20119 Mar 2009
Avg drop from high-65.78%-11.07%
Avg time to new high89 days12 days
Max time to new high4385 days1805 days
COMPANY DETAILS
UCBI (United Community Banks Inc) company logo
Marketcap
3.35B
Marketcap category
Mid-cap
Description
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.
Employees
3121
Investor relations
SEC filings
CEO
Herbert Lynn Harton
Country
USA
City
Blairsville
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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COMPANY NEWS
Seeking AlphaPress releases
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