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United Community Banks, Inc. (UCBI)

Stock Price: $19.17 USD 0.82 (4.47%)
Updated Aug 7, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 1.66B
Revenue (ttm) 525.17M
Net Income (ttm) 153.18M
Shares Out 86.42M
EPS (ttm) 1.92
PE Ratio 9.98
Forward PE 12.92
Dividend $0.72
Dividend Yield 3.76%

Stock Quote

Trading Day Aug 7, 2020
Last Price $19.17
Previous Close $18.35
Change ($) 0.82
Change (%) 4.47%
Day's Open 18.26
Day's Range 17.97 - 19.20
Day's Volume 477,437
52-Week Range 14.95 - 31.66

More Stats

Market Cap 1.66B
Enterprise Value 639.35M
Earnings Date (est) Oct 27, 2020
Ex-Dividend Date Jun 12, 2020
Shares Outstanding 86.42M
Float 77.44M
EPS (basic) 1.93
EPS (diluted) 1.92
FCF / Share 1.47
Dividend $0.72
Dividend Yield 3.76%
Earnings Yield 10.02%
FCF Yield 6.99%
Payout Ratio 36.80%
Shares Short 1.99M
Short Ratio 3.97
Short % of Float 2.96%
Beta 1.31
PE Ratio 9.98
Forward PE 12.92
P/FCF Ratio 14.30
PS Ratio 3.15
PB Ratio 0.95
Revenue 525.17M
Operating Income 211.85M
Net Income 153.18M
Free Cash Flow 115.82M
Net Cash 1.02B
Net Cash / Share 11.77
Gross Margin 106.50%
Operating Margin 40.34%
Profit Margin 29.10%
FCF Margin 22.05%
ROA 1.11%
ROE 9.25%
ROIC 1.50%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (7)

Buy 3
Overweight 0
Hold 4
Underweight 0
Sell 0

Analyst Consensus: Overweight

Price Target

$22.17*
(15.65% upside)
Low
21.0
Current: $19.17
High
23.0
Target: 22.17
*Average 12-month price target from 6 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue56152244040432627020922230.8766.60
Revenue Growth7.42%18.56%8.95%23.92%20.86%29%-5.6%618.11%-53.65%-
Gross Profit56152244040432627020922230.8766.60
Operating Income24822518016311510734.9534.91-231-432
Net Income18416567.2510171.5167.6227333.86-227-502
Shares Outstanding79.7079.6673.2571.9165.4960.5958.7957.8639.9418.93
Earnings Per Share2.312.070.921.401.091.114.440.38-5.97-27.09
EPS Growth11.59%125%-34.29%28.44%-1.8%-75%1068.42%---
Dividend Per Share0.680.580.380.300.220.11----
Dividend Growth17.24%52.63%26.67%36.36%100%-----
Operating Cash Flow15427020814011399.28192183152123
Capital Expenditures-14.35-11.13-19.05-12.30-4.99-1.92-4.20-3.06-6.47-7.03
Free Cash Flow14025918912810897.36187180145116
Cash & Equivalents515327314217240193229251378649
Total Debt213427675889611406303218263306
Net Cash / Debt303-99.92-361-672-370-213-74.3333.65115343
Assets12,91612,57311,91510,7099,6167,5677,4256,8026,9837,276
Liabilities11,28011,11610,6129,6338,5986,8276,6306,2216,4086,808
Book Value1,6361,4581,3031,0761,018740796581575469
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name United Community Banks, Inc.
Country United States
Employees 2,308
CEO Herbert Lynn Harton

Stock Information

Ticker Symbol UCBI
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: UCBI
IPO Date March 18, 2002

Description

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides various banking products and services. The company accepts checking, savings, money market, negotiable order of withdrawal, time, and other deposit accounts, as well as certificates of deposit. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage and construction, consumer direct loans, and indirect auto loans, as well as home equity lines of credits. The company also offers investment products; reinsurance on a property insurance contract; and payment processing, merchant, wire transfer, brokerage and advisory, and other financial services. It serves individuals, small businesses, mid-sized commercial businesses, and non-profit organizations. As of January 22, 2019, the company operated 149 locations in Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.