UCBI Stock Overview
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors.
United Community Banks Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$29.82|
|52 Week High||US$39.32|
|52 Week Low||US$27.62|
|1 Month Change||-3.93%|
|3 Month Change||-17.37%|
|1 Year Change||-15.79%|
|3 Year Change||9.07%|
|5 Year Change||13.77%|
|Change since IPO||-57.75%|
Recent News & Updates
Here's Why I Think United Community Banks (NASDAQ:UCBI) Is An Interesting Stock
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...
|UCBI||US Banks||US Market|
Return vs Industry: UCBI exceeded the US Banks industry which returned -19.6% over the past year.
Return vs Market: UCBI underperformed the US Market which returned -10.4% over the past year.
|UCBI Average Weekly Movement||4.5%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.7%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: UCBI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: UCBI's weekly volatility (4%) has been stable over the past year.
About the Company
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans.
United Community Banks Fundamentals Summary
|UCBI fundamental statistics|
Is UCBI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|UCBI income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.22|
|Net Profit Margin||32.08%|
How did UCBI perform over the long term?See historical performance and comparison
2.8%Current Dividend Yield
Is United Community Banks undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: UCBI ($29.82) is trading below our estimate of fair value ($52.95)
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 (13.4x) compared to the US Banks industry average (9.7x).
PE vs Market: UCBI is good value based on its PE Ratio (13.4x) compared to the US market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: UCBI is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: UCBI is overvalued based on its PB Ratio (1.2x) 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 4 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UCBI's forecast earnings growth (19% per year) is above the savings rate (1.9%).
Earnings vs Market: UCBI's earnings (19% per year) are forecast to grow faster than the US market (12.6% per year).
High Growth Earnings: UCBI's earnings are forecast to grow, but not significantly.
Revenue vs Market: UCBI's revenue (11.9% per year) is forecast to grow faster than the US market (8% per year).
High Growth Revenue: UCBI's revenue (11.9% 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 (11.8%).
How has United Community Banks performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UCBI has high quality earnings.
Growing Profit Margin: UCBI's current net profit margins (32.1%) are higher than last year (30.9%).
Past Earnings Growth Analysis
Earnings Trend: UCBI's earnings have grown significantly by 20.8% per year over the past 5 years.
Accelerating Growth: UCBI's earnings growth over the past year (18.4%) is below its 5-year average (20.8% per year).
Earnings vs Industry: UCBI earnings growth over the past year (18.4%) underperformed the Banks industry 20.9%.
Return on Equity
High ROE: UCBI's Return on Equity (9.1%) is considered low.
How is United Community Banks's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: UCBI's Assets to Equity ratio (9x) is low.
Allowance for Bad Loans: UCBI has a sufficient allowance for bad loans (332%).
Low Risk Liabilities: 97% 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 (58%).
Low Risk Deposits: UCBI's Loans to Deposits ratio (67%) is appropriate.
Level of Bad Loans: UCBI has an appropriate level of bad loans (0.3%).
What is United Community Banks's current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UCBI's dividend (2.82%) is higher than the bottom 25% of dividend payers in the US market (1.54%).
High Dividend: UCBI's dividend (2.82%) is low compared to the top 25% of dividend payers in the US market (4.05%).
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 8 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (31.5%), 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 (26.2% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Herbert Harton (59 yo)
Mr. Herbert Lynn Harton has been Director of United Community Banks, Inc. since February 10, 2015 and has been its Chairman of the Board since May 8, 2019 and has been its Chief Executive Officer since Jun...
CEO Compensation Analysis
Compensation vs Market: Herbert's total compensation ($USD3.02M) is below average for companies of similar size in the US market ($USD6.90M).
Compensation vs Earnings: Herbert's compensation has been consistent with company performance over the past year.
Experienced Management: UCBI's management team is considered experienced (4.3 years average tenure).
Experienced Board: UCBI's board of directors are considered experienced (6.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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 22.2%.
United Community Banks, Inc.'s employee growth, exchange listings and data sources
- Name: United Community Banks, Inc.
- Ticker: UCBI
- Exchange: NasdaqGS
- Founded: 1950
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$3.162b
- Shares outstanding: 106.03m
- Website: https://www.ucbi.com
Number of Employees
- United Community Banks, Inc.
- 125 Highway 515 East
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/15 00:00|
|End of Day Share Price||2022/05/13 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.