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United Community Banks, Inc. (UCBI)

Stock Price: $25.22 USD 0.47 (1.90%)
Updated November 23, 11:33 AM EST - Market open

Stock Price Chart

Key Info

Market Cap 2.18B
Revenue (ttm) 536.89M
Net Income (ttm) 150.61M
Shares Out 86.62M
EPS (ttm) 1.85
PE Ratio 13.63
Forward PE 12.87
Dividend $0.72
Dividend Yield 2.85%

Stock Quote

Trading Day November 23
Last Price $25.22
Previous Close $24.75
Change ($) 0.47
Change (%) 1.90%
Day's Open 25.13
Day's Range 24.88 - 25.47
Day's Volume 28,145
52-Week Range 14.95 - 31.66

More Stats

Market Cap 2.18B
Enterprise Value 1.47B
Earnings Date (est) Jan 26, 2021
Ex-Dividend Date Sep 14, 2020
Shares Outstanding 86.62M
Float 85.56M
EPS (basic) 1.85
EPS (diluted) 1.85
FCF / Share 1.18
Dividend $0.72
Dividend Yield 2.85%
Earnings Yield 7.34%
FCF Yield 4.69%
Payout Ratio 38.90%
Shares Short 1.76M
Short Ratio 4.18
Short % of Float 2.06%
Beta 1.30
PE Ratio 13.63
Forward PE 12.87
P/FCF Ratio 21.33
PS Ratio 4.07
PB Ratio 1.16
Revenue 536.89M
Operating Income 211.91M
Net Income 150.61M
Free Cash Flow 102.41M
Net Cash 718.94M
Net Cash / Share 8.30
Gross Margin 104.76%
Operating Margin 39.47%
Profit Margin 28.10%
FCF Margin 19.07%
ROA 1.02%
ROE 8.60%
ROIC 1.40%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (8)

Buy 5
Overweight 1
Hold 2
Underweight 0
Sell 0

Analyst Consensus: Buy

Price Target

$24.75*
(-1.86% downside)
Low
23.0
Current: $25.22
High
28.5
Target: 24.75
*Average 12-month price target from 8 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 2,414
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 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; insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; 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. The company operates through 163 locations in Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is based in Blairsville, Georgia.