United Community Banks, Inc. (UCB)

United Community Banks Statistics

Total Valuation

UCB has a market cap or net worth of $3.34 billion. The enterprise value is $3.33 billion.

Market Cap	3.34B
Enterprise Value	3.33B

Important Dates

The next estimated earnings date is Wednesday, April 23, 2025, before market open.

Earnings Date	Apr 23, 2025
Ex-Dividend Date	Mar 14, 2025

Share Statistics

UCB has 119.44 million shares outstanding. The number of shares has increased by 1.83% in one year.

Current Share Class	119.44M
Shares Outstanding	119.44M
Shares Change (YoY)	+1.83%
Shares Change (QoQ)	+0.13%
Owned by Insiders (%)	0.60%
Owned by Institutions (%)	87.32%
Float	118.70M

Valuation Ratios

The trailing PE ratio is 13.63 and the forward PE ratio is 11.39.

PE Ratio	13.63
Forward PE	11.39
PS Ratio	3.70
Forward PS	3.16
PB Ratio	0.99
P/TBV Ratio	1.39
P/FCF Ratio	10.97
P/OCF Ratio	9.49
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	13.60
EV / Sales	3.69
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	10.99

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.89
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.54%.

Return on Equity (ROE)	7.54%
Return on Assets (ROA)	0.92%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$302,509
Profits Per Employee	$82,117
Employee Count	2,979
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UCB has paid $70.61 million in taxes.

Income Tax	70.61M
Effective Tax Rate	21.86%

Stock Price Statistics

The stock price has increased by +5.13% in the last 52 weeks. The beta is 0.92, so UCB's price volatility has been similar to the market average.

Beta (5Y)	0.92
52-Week Price Change	+5.13%
50-Day Moving Average	31.26
200-Day Moving Average	29.86
Relative Strength Index (RSI)	33.32
Average Volume (20 Days)	873,305

Short Selling Information

The latest short interest is 3.77 million, so 3.15% of the outstanding shares have been sold short.

Short Interest	3.77M
Short Previous Month	3.61M
Short % of Shares Out	3.15%
Short % of Float	3.17%
Short Ratio (days to cover)	6.73

Income Statement

In the last 12 months, UCB had revenue of $901.17 million and earned $244.63 million in profits. Earnings per share was $2.04.

Revenue	901.17M
Gross Profit	901.17M
Operating Income	367.20M
Pretax Income	231.32M
Net Income	244.63M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.04

Balance Sheet

The company has $566.76 million in cash and $572.15 million in debt, giving a net cash position of -$5.39 million or -$0.05 per share.

Cash & Cash Equivalents	566.76M
Total Debt	572.15M
Net Cash	-5.39M
Net Cash Per Share	-$0.05
Equity (Book Value)	3.43B
Book Value Per Share	28.01
Working Capital	-23.28B

Cash Flow

In the last 12 months, operating cash flow was $349.73 million and capital expenditures -$47.04 million, giving a free cash flow of $302.69 million.

Operating Cash Flow	349.73M
Capital Expenditures	-47.04M
Free Cash Flow	302.69M
FCF Per Share	$2.53

Margins

Gross Margin	n/a
Operating Margin	40.75%
Pretax Margin	35.84%
Profit Margin	28.01%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	33.59%

Dividends & Yields

This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 3.45%.

Dividend Per Share	$0.96
Dividend Yield	3.45%
Dividend Growth (YoY)	3.26%
Years of Dividend Growth	10
Payout Ratio	47.06%
Buyback Yield	-1.83%
Shareholder Yield	1.62%
Earnings Yield	7.37%
FCF Yield	9.12%

Analyst Forecast

The average price target for UCB is $32.33, which is 15.75% higher than the current price. The consensus rating is "Hold".

Price Target	$32.33
Price Target Difference	15.75%
Analyst Consensus	Hold
Analyst Count	3
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