United Community Banks, Inc.

NYSE:UCB Stock Report

Market Cap: US$3.9b

United Community Banks Past Earnings Performance

Past criteria checks 2/6

United Community Banks has been growing earnings at an average annual rate of 4.4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 10% per year. United Community Banks's return on equity is 5.6%, and it has net margins of 22.2%.

Key information

4.4%

Earnings growth rate

-4.4%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate10.0%
Return on equity5.6%
Net Margin22.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

United Community Banks (NYSE:UCB) Has Announced A Dividend Of $0.24

Dec 03
United Community Banks (NYSE:UCB) Has Announced A Dividend Of $0.24

United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24

Nov 18
United Community Banks (NYSE:UCB) Has Affirmed Its Dividend Of $0.24

United Community Banks: Too Rich For My Blood

Nov 12

United Community Banks' (NYSE:UCB) Upcoming Dividend Will Be Larger Than Last Year's

Sep 04
United Community Banks' (NYSE:UCB) Upcoming Dividend Will Be Larger Than Last Year's

United Community Banks: Preferred Share Downgrade On Low Yield

Aug 19

United Community Banks' (NYSE:UCB) Dividend Will Be Increased To $0.24

Aug 19
United Community Banks' (NYSE:UCB) Dividend Will Be Increased To $0.24

United Community Banks (NASDAQ:UCBI) Is Due To Pay A Dividend Of $0.23

Feb 29
United Community Banks (NASDAQ:UCBI) Is Due To Pay A Dividend Of $0.23

United Community Banks GAAP EPS of $0.74 beats by $0.02, revenue of $216.30M misses by $10.38M

Oct 18

United Community Banks (NASDAQ:UCBI) Is Increasing Its Dividend To $0.22

Sep 13
United Community Banks (NASDAQ:UCBI) Is Increasing Its Dividend To $0.22

United Community Banks (NASDAQ:UCBI) Is Paying Out A Larger Dividend Than Last Year

Aug 23
United Community Banks (NASDAQ:UCBI) Is Paying Out A Larger Dividend Than Last Year

United Community Banks raises dividend 4.8% to $0.22

Aug 18

United Community Banks GAAP EPS of $0.61 misses by $0.04, revenue of $206.75M misses by $6.44M

Jul 19

Here's Why I Think United Community Banks (NASDAQ:UCBI) Is An Interesting Stock

Apr 05
Here's Why I Think United Community Banks (NASDAQ:UCBI) Is An Interesting Stock

United Community Banks (NASDAQ:UCBI) Will Pay A Larger Dividend Than Last Year At US$0.21

Feb 22
United Community Banks (NASDAQ:UCBI) Will Pay A Larger Dividend Than Last Year At US$0.21

United Community Banks Still Following A Tested Formula

Feb 03

Revenue & Expenses Breakdown

How United Community Banks makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NYSE:UCB Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 248271834880
30 Jun 248291854820
31 Mar 248101814710
31 Dec 238041814620
30 Sep 238632484430
30 Jun 238752804250
31 Mar 238662834140
31 Dec 228262694010
30 Sep 227772403880
30 Jun 227532323760
31 Mar 227352363590
31 Dec 217442613430
30 Sep 217542693490
30 Jun 217172423470
31 Mar 216441993370
31 Dec 205771593250
30 Sep 205341513040
30 Jun 205241532940
31 Mar 205481722880
31 Dec 195611842830
30 Sep 195531812810
30 Jun 195431762730
31 Mar 195341712660
31 Dec 185221652600
30 Sep 185051082470
30 Jun 18479922340
31 Mar 18457812250
31 Dec 17440672230
30 Sep 174281062090
30 Jun 174251052080
31 Mar 174151022040
31 Dec 164041011990
30 Sep 16393921950
30 Jun 16371841850
31 Mar 16349761760
31 Dec 15328721660
30 Sep 15304721550
30 Jun 15289711490
31 Mar 15283701450
31 Dec 14274671420
30 Sep 14269621400
30 Jun 14266571380
31 Mar 142172671390
31 Dec 132092611400

Quality Earnings: UCB has high quality earnings.

Growing Profit Margin: UCB's current net profit margins (22.2%) are lower than last year (28.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UCB's earnings have grown by 4.4% 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 (-25.9%) over the past year, making it difficult to compare to the Banks industry average (-11.7%).

Return on Equity

High ROE: UCB's Return on Equity (5.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 16:46
End of Day Share Price 2024/12/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

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.

AnalystInstitution
Gary TennerD.A. Davidson & Co.
null nullD.A. Davidson & Co.
Kevin FitzsimmonsD.A. Davidson & Co.