United Community Banks, Inc. (UCB)

United Community Banks Statistics

Total Valuation

UCB has a market cap or net worth of $3.77 billion. The enterprise value is $3.37 billion.

Market Cap	3.77B
Enterprise Value	3.37B

Important Dates

Earnings Date	n/a
Ex-Dividend Date	Dec 16, 2024

Share Statistics

UCB has 119.29 million shares outstanding. The number of shares has increased by 4.59% in one year.

Current Share Class	119.29M
Shares Outstanding	119.29M
Shares Change (YoY)	+4.59%
Shares Change (QoQ)	+0.14%
Owned by Insiders (%)	0.59%
Owned by Institutions (%)	82.44%
Float	118.53M

Valuation Ratios

The trailing PE ratio is 20.62 and the forward PE ratio is 14.05.

PE Ratio	20.62
Forward PE	14.05
PS Ratio	4.57
Forward PS	n/a
PB Ratio	1.14
P/TBV Ratio	1.61
P/FCF Ratio	22.36
P/OCF Ratio	16.87
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	18.36
EV / Sales	4.07
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	19.98

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.26
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.79%.

Return on Equity (ROE)	5.79%
Return on Assets (ROA)	0.70%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$265,121
Profits Per Employee	$58,791
Employee Count	3,121
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UCB has paid $47.06 million in taxes.

Income Tax	47.06M
Effective Tax Rate	19.80%

Stock Price Statistics

The stock price has increased by +5.16% in the last 52 weeks. The beta is 0.94, so UCB's price volatility has been similar to the market average.

Beta (5Y)	0.94
52-Week Price Change	+5.16%
50-Day Moving Average	31.47
200-Day Moving Average	27.99
Relative Strength Index (RSI)	41.84
Average Volume (20 Days)	754,425

Short Selling Information

The latest short interest is 2.53 million, so 2.12% of the outstanding shares have been sold short.

Short Interest	2.53M
Short Previous Month	1.54M
Short % of Shares Out	2.12%
Short % of Float	2.13%
Short Ratio (days to cover)	3.69

Income Statement

In the last 12 months, UCB had revenue of $827.44 million and earned $183.49 million in profits. Earnings per share was $1.53.

Revenue	827.44M
Gross Profit	827.44M
Operating Income	297.22M
Pretax Income	231.32M
Net Income	183.49M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.53

Balance Sheet

The company has $782.17 million in cash and $380.96 million in debt, giving a net cash position of $401.21 million or $3.36 per share.

Cash & Cash Equivalents	782.17M
Total Debt	380.96M
Net Cash	401.21M
Net Cash Per Share	$3.36
Equity (Book Value)	3.41B
Book Value Per Share	27.82
Working Capital	-22.75B

Cash Flow

In the last 12 months, operating cash flow was $223.42 million and capital expenditures -$54.83 million, giving a free cash flow of $168.58 million.

Operating Cash Flow	223.42M
Capital Expenditures	-54.83M
Free Cash Flow	168.58M
FCF Per Share	$1.41

Margins

Gross Margin	n/a
Operating Margin	35.92%
Pretax Margin	28.73%
Profit Margin	23.04%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	20.37%

Dividends & Yields

This stock pays an annual dividend of $0.94, which amounts to a dividend yield of 2.98%.

Dividend Per Share	$0.94
Dividend Yield	2.98%
Dividend Growth (YoY)	2.17%
Years of Dividend Growth	2
Payout Ratio	61.33%
Buyback Yield	-4.59%
Shareholder Yield	-1.62%
Earnings Yield	4.87%
FCF Yield	4.47%

Analyst Forecast

The average price target for UCB is $29.00, which is -8.23% lower than the current price. The consensus rating is "Hold".

Price Target	$29.00
Price Target Difference	-8.23%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on June 20, 2011. It was a reverse split with a ratio of 0.2:1.

Last Split Date	Jun 20, 2011
Split Type	Reverse
Split Ratio	0.2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4