Watchlist Price Alert

United Community Banks In... (UCB)

NYSE: UCB · Real-Time Price · USD

28.57

-0.05 (-0.17%)

At close: May 09, 2025, 10:28 AM

United Community Banks Statistics

Share Statistics

United Community Banks has 119.49M shares outstanding. The number of shares has increased by null% in one year.

Shares Outstanding	119.49M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Institutions (%)	86.33%
Shares Floating	n/a
Failed to Deliver (FTD) Shares	79
FTD / Avg. Volume	0.01%

Short Selling Information

The latest short interest is 2.41M, so 2.02% of the outstanding shares have been sold short.

Short Interest	2.41M
Short % of Shares Out	2.02%
Short % of Float	2.73%
Short Ratio (days to cover)	2.02

Valuation Ratios

The PE ratio is 15.33 and the forward PE ratio is 10.43. United Community Banks's PEG ratio is 0.47.

PE Ratio	15.33
Forward PE	10.43
PS Ratio	4.16
Forward PS	3.1
PB Ratio	1.13
P/FCF Ratio	12.79
PEG Ratio	0.47

Financial Ratio History

Enterprise Valuation

United Community Banks has an Enterprise Value (EV) of 3.6B.

EV / Sales	3.88
EV / EBITDA	10.03
EV / EBIT	10.31
EV / FCF	11.91

Financial Position

The company has a current ratio of 0.32, with a Debt / Equity ratio of 0.07.

Current Ratio	0.32
Quick Ratio	0.32
Debt / Equity	0.07
Debt / EBITDA	0.71
Debt / FCF	0.84
Interest Coverage	0.58

Financial Efficiency

Return on Equity is 7.35% and Return on Invested Capital is 2.06%.

Return on Equity	7.35%
Return on Assets	0.91%
Return on Invested Capital	2.06%
Revenue Per Employee	$312,199.4
Profits Per Employee	$84,725.41
Employee Count	2,979
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

Income Tax	70.61M
Effective Tax Rate	21.86%

Stock Price Statistics

The stock price has increased by 7.11% in the last 52 weeks. The beta is 0.77, so United Community Banks's price volatility has been higher than the market average.

Beta	0.77
52-Week Price Change	7.11%
50-Day Moving Average	27.57
200-Day Moving Average	30.04
Relative Strength Index (RSI)	60.9
Average Volume (20 Days)	840,859

Income Statement

In the last 12 months, United Community Banks had revenue of 930.04M and earned 252.4M in profits. Earnings per share was 2.04.

Revenue	930.04M
Gross Profit	930.04M
Operating Income	318.46M
Net Income	252.4M
EBITDA	359.39M
EBIT	318.46M
Earnings Per Share (EPS)	2.04

Full Income Statement

Balance Sheet

The company has 519.87M in cash and 254.15M in debt, giving a net cash position of 265.72M.

Cash & Cash Equivalents	519.87M
Total Debt	254.15M
Net Cash	265.72M
Retained Earnings	714.14M
Total Assets	27.87B
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 349.73M and capital expenditures -47.04M, giving a free cash flow of 302.69M.

Operating Cash Flow	349.73M
Capital Expenditures	-47.04M
Free Cash Flow	302.69M
FCF Per Share	2.53

Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 34.24% and 27.14%.

Gross Margin	100%
Operating Margin	34.24%
Pretax Margin	34.73%
Profit Margin	27.14%
EBITDA Margin	38.64%
EBIT Margin	34.24%
FCF Margin	32.55%

Dividends & Yields

UCB pays an annual dividend of $1.18, which amounts to a dividend yield of 3.34%.

Dividend Per Share	$1.18
Dividend Yield	3.34%
Dividend Growth (YoY)	4.35%
Payout Ratio	55.92%
Earnings Yield	6.52%
FCF Yield	7.82%

Dividend Details

Analyst Forecast

The average price target for UCB is $32, which is 11.8% higher than the current price. The consensus rating is "Hold".

Price Target	$32
Price Target Difference	11.8%
Analyst Consensus	Hold
Analyst Count	5

Stock Forecasts

Stock Splits

The last stock split was on Jun 20, 2011. It was a backward split with a ratio of 1:5.

Last Split Date	Jun 20, 2011
Split Type	backward
Split Ratio	1:5

Scores

Altman Z-Score	0.19
Piotroski F-Score	6