United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides various banking products and services. More Details
Flawless balance sheet and fair value.
Share Price & News
How has United Community Banks's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: UCBI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: UCBI's weekly volatility has decreased from 10% to 5% over the past year.
7 Day Return
1 Year Return
Return vs Industry: UCBI exceeded the US Banks industry which returned 22% over the past year.
Return vs Market: UCBI exceeded the US Market which returned 29.4% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is United Community Banks's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StDon't Ignore The Fact That This Insider Just Sold Some Shares In United Community Banks, Inc. (NASDAQ:UCBI)
1 month ago | Simply Wall StUnited Community Banks, Inc. Recorded A 19% Miss On Revenue: Analysts Are Revisiting Their Models
1 month ago | Simply Wall StDid You Participate In Any Of United Community Banks' (NASDAQ:UCBI) Fantastic 109% Return ?
Is United Community Banks undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UCBI ($34.17) is trading below our estimate of fair value ($45.26)
Significantly Below Fair Value: UCBI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: UCBI is poor value based on its PE Ratio (17.8x) compared to the US Banks industry average (12.8x).
PE vs Market: UCBI is good value based on its PE Ratio (17.8x) compared to the US market (21.4x).
Price to Earnings Growth Ratio
PEG Ratio: UCBI is poor value based on its PEG Ratio (1.6x)
Price to Book Ratio
PB vs Industry: UCBI is overvalued based on its PB Ratio (1.5x) compared to the US Banks industry average (1.1x).
How is United Community Banks forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UCBI's forecast earnings growth (11.4% per year) is above the savings rate (2%).
Earnings vs Market: UCBI's earnings (11.4% per year) are forecast to grow slower than the US market (19.6% per year).
High Growth Earnings: UCBI's earnings are forecast to grow, but not significantly.
Revenue vs Market: UCBI's revenue (8.8% per year) is forecast to grow slower than the US market (10.1% per year).
High Growth Revenue: UCBI's revenue (8.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: UCBI's Return on Equity is forecast to be low in 3 years time (9.9%).
How has United Community Banks performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UCBI has high quality earnings.
Growing Profit Margin: UCBI's current net profit margins (27.6%) are lower than last year (32.9%).
Past Earnings Growth Analysis
Earnings Trend: UCBI's earnings have grown by 17.9% per year over the past 5 years.
Accelerating Growth: UCBI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UCBI had negative earnings growth (-13.5%) over the past year, making it difficult to compare to the Banks industry average (0.5%).
Return on Equity
High ROE: UCBI's Return on Equity (8.2%) is considered low.
How is United Community Banks's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: UCBI's Assets to Equity ratio (8.9x) is low.
Allowance for Bad Loans: UCBI has a sufficient allowance for bad loans (222%).
Low Risk Liabilities: 96% of UCBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: UCBI has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: UCBI's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: UCBI has an appropriate level of bad loans (0.5%).
What is United Community Banks's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: UCBI's dividend (2.22%) is higher than the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: UCBI's dividend (2.22%) is low compared to the top 25% of dividend payers in the US market (3.69%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, UCBI has been paying a dividend for less than 10 years.
Growing Dividend: UCBI's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (37.6%), UCBI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UCBI's dividends in 3 years are forecast to be well covered by earnings (33.2% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Herbert Harton (58 yo)
Mr. Herbert Lynn Harton has been President and Director at United Community Banks, Inc. since 2015 and its Chairman of the Board since May 8, 2019. Mr. Harton has been Chief Executive Officer of United Com...
CEO Compensation Analysis
Compensation vs Market: Herbert's total compensation ($USD3.69M) is about average for companies of similar size in the US market ($USD4.96M).
Compensation vs Earnings: Herbert's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Executive VP & CFO||3.92yrs||US$1.26m||0.024% |
|Executive VP & Chief Banking Officer||3.17yrs||US$1.30m||0.044% |
|Executive VP & Chief Risk Officer||6.17yrs||US$1.22m||0.029% |
|Chief Accounting Officer||no data||no data||0.026% |
|Chief Information Officer||4.17yrs||no data||0.013% |
|Chief Compliance Officer||no data||no data||no data|
|Executive VP||1yr||no data||no data|
|President of Atlanta Metro||2.08yrs||no data||no data|
|President for the State of Florida||0.67yr||no data||no data|
Experienced Management: UCBI's management team is considered experienced (2.8 years average tenure).
|Independent Director||2.75yrs||US$107.27k||0.0012% |
|Lead Independent Director||4.17yrs||US$142.52k||0.026% |
|Independent Director||21.17yrs||US$102.67k||0.047% |
|Director Emeritus||no data||US$62.89k||no data|
|Independent Director||22.17yrs||US$97.62k||0.12% |
|Independent Director||5.17yrs||US$100.02k||0.0043% |
|Independent Director||2.75yrs||US$111.02k||0.0012% |
|Independent Director||12.92yrs||US$115.77k||0.0081% |
|Independent Director||5.33yrs||US$128.52k||0.010% |
|Director||0.58yr||no data||no data|
|Independent Director||4.58yrs||US$113.67k||0.0044% |
Experienced Board: UCBI's board of directors are considered experienced (4.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: UCBI insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 9.9%.
United Community Banks, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: United Community Banks, Inc.
- Ticker: UCBI
- Exchange: NasdaqGS
- Founded: 1950
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$2.929b
- Shares outstanding: 86.74m
- Website: https://www.ucbi.com
Number of Employees
- United Community Banks, Inc.
- 125 Highway 515 East
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|UCBI||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Mar 2002|
|UCBN||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Mar 2002|
|UCBI.O||NasdaqGS (Nasdaq Global Select)||6.875 DP PF I||US||USD||Jun 2020|
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, negotia...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/03/05 00:27|
|End of Day Share Price||2021/03/04 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.