United Community Banks Balance Sheet Health
Financial Health criteria checks 6/6
United Community Banks has total assets of $27.4B and total equity of $3.4B. Total deposits are $23.3B, and total loans are $17.8B. It earns a Net Interest Margin of 3.4%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $782.2M.
Key information
8x
Asset to equity ratio
3.4%
Net interest margin
| Total deposits | US$23.25b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$782.17m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UCB.PRI's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: UCB.PRI has a sufficient allowance for bad loans (183%).
Low Risk Liabilities: 97% of UCB.PRI's liabilities are made up of primarily low risk sources of funding.
Loan Level: UCB.PRI has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: UCB.PRI's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: UCB.PRI has an appropriate level of bad loans (0.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/26 23:05 |
| End of Day Share Price | 2024/12/26 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
United Community Banks, Inc. is covered by 18 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Gary Tenner | D.A. Davidson & Co. |
| null null | D.A. Davidson & Co. |
| Kevin Fitzsimmons | D.A. Davidson & Co. |