United Commercial Bank Past Earnings Performance
Past criteria checks 1/6
United Commercial Bank's earnings have been declining at an average annual rate of -0.7%, while the Banks industry saw earnings growing at 9% annually. Revenues have been growing at an average rate of 11.2% per year. United Commercial Bank's return on equity is 5.9%, and it has net margins of 8.5%.
Key information
-0.7%
Earnings growth rate
-0.2%
EPS growth rate
| Banks Industry Growth | 8.5% |
| Revenue growth rate | 11.2% |
| Return on equity | 5.9% |
| Net Margin | 8.5% |
| Last Earnings Update | 30 Jun 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How United Commercial Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 24 | 29,430 | 2,510 | 16,082 | 0 |
| 31 Mar 24 | 28,147 | 2,367 | 15,973 | 0 |
| 31 Dec 23 | 27,175 | 2,198 | 15,326 | 0 |
| 30 Sep 23 | 26,618 | 3,128 | 15,034 | 0 |
| 30 Jun 23 | 25,370 | 3,054 | 14,713 | 0 |
| 31 Mar 23 | 25,478 | 3,431 | 14,432 | 0 |
| 31 Dec 22 | 24,083 | 3,299 | 14,111 | 0 |
| 30 Sep 22 | 23,573 | 2,284 | 14,753 | 0 |
| 30 Jun 22 | 23,360 | 2,461 | 14,111 | 0 |
| 31 Mar 22 | 22,365 | 2,357 | 13,367 | 0 |
| 31 Dec 21 | 22,174 | 2,507 | 12,876 | 0 |
| 30 Sep 21 | 21,371 | 3,286 | 11,236 | 0 |
| 30 Jun 21 | 20,806 | 3,314 | 10,917 | 0 |
| 31 Mar 21 | 19,103 | 3,044 | 10,308 | 0 |
| 31 Dec 20 | 19,384 | 2,949 | 10,725 | 0 |
| 30 Sep 20 | 18,767 | 2,652 | 11,029 | 0 |
| 30 Jun 20 | 17,838 | 2,575 | 10,076 | 0 |
| 31 Mar 20 | 18,458 | 2,813 | 10,193 | 0 |
| 31 Dec 19 | 17,854 | 2,858 | 10,019 | 0 |
| 30 Sep 19 | 16,847 | 2,599 | 9,989 | 0 |
| 30 Jun 19 | 16,705 | 2,714 | 10,721 | 0 |
| 31 Mar 19 | 16,274 | 2,769 | 10,845 | 0 |
| 31 Dec 18 | 15,775 | 2,502 | 9,968 | 0 |
| 30 Sep 18 | 15,640 | 1,970 | 9,670 | 0 |
| 30 Jun 18 | 16,000 | 2,518 | 9,056 | 0 |
| 31 Mar 18 | 16,372 | 2,943 | 8,374 | 0 |
| 31 Dec 17 | 15,804 | 2,722 | 8,639 | 0 |
| 30 Sep 17 | 15,447 | 3,197 | 8,208 | 0 |
| 30 Jun 17 | 14,724 | 2,649 | 8,195 | 0 |
| 31 Mar 17 | 14,313 | 2,294 | 8,317 | 0 |
| 31 Dec 16 | 14,336 | 2,628 | 7,873 | 0 |
| 30 Sep 16 | 15,315 | 3,529 | 7,718 | 0 |
| 30 Jun 16 | 14,534 | 3,234 | 7,299 | 0 |
| 31 Mar 16 | 14,517 | 3,641 | 6,733 | 0 |
| 31 Dec 15 | 14,707 | 4,016 | 6,314 | 0 |
| 30 Sep 15 | 13,903 | 3,879 | 6,236 | 0 |
| 30 Jun 15 | 14,067 | 3,837 | 6,247 | 0 |
| 31 Mar 15 | 14,046 | 3,553 | 6,031 | 0 |
| 31 Dec 14 | 13,795 | 3,700 | 5,681 | 0 |
| 30 Sep 14 | 14,128 | 3,913 | 5,390 | 0 |
| 30 Jun 14 | 13,462 | 3,951 | 4,944 | 0 |
| 31 Mar 14 | 13,904 | 5,032 | 4,745 | 0 |
| 31 Dec 13 | 11,329 | 3,069 | 4,404 | 0 |
| 30 Sep 13 | 10,196 | 2,388 | 4,220 | 0 |
Quality Earnings: UCB has high quality earnings.
Growing Profit Margin: UCB's current net profit margins (8.5%) are lower than last year (12%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UCB's earnings have declined by 0.7% per year over the past 5 years.
Accelerating Growth: UCB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UCB had negative earnings growth (-17.8%) over the past year, making it difficult to compare to the Banks industry average (30.5%).
Return on Equity
High ROE: UCB's Return on Equity (5.9%) is considered low.