Shares Outstanding Shares Outstanding n/a Close	121.5M
Shares Change (YoY) Shares Change (YoY) n/a Close	n/a
Shares Change (QoQ) Shares Change (QoQ) n/a Close	n/a
Owned by Institutions (%) Owned by Institutions (%) n/a Close	86.33%
Shares Floating Shares Floating n/a Close	n/a
Failed to Deliver (FTD) Shares Failed to Deliver (FTD) Shares n/a Close	101
FTD / Avg. Volume FTD / Avg. Volume n/a Close	0.01%

Short Selling Information

The latest short interest is 2.44M, so 2.01% of the outstanding shares have been sold short.

Short Interest Short Interest n/a Close	2.44M
Short % of Shares Out Short % of Shares Out n/a Close	2.01%
Short % of Float Short % of Float n/a Close	2.7%
Short Ratio (days to cover) Short Ratio (days to cover) n/a Close	4.4

Valuation Ratios

The PE ratio is 15.33 and the forward PE ratio is 10.57. United Community Banks's PEG ratio is 0.47.

PE Ratio PE Ratio n/a Close	15.33
Forward PE Forward PE n/a Close	10.57
PS Ratio PS Ratio n/a Close	2.61
Forward PS Forward PS n/a Close	3.1
PB Ratio PB Ratio n/a Close	1.13
P/FCF Ratio P/FCF Ratio n/a Close	12.79
PEG Ratio PEG Ratio n/a Close	0.47

Financial Ratio History

Enterprise Valuation

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

EV / Sales EV / Sales n/a Close	2.43
EV / EBITDA EV / EBITDA n/a Close	9.9
EV / EBIT EV / EBIT n/a Close	10.31
EV / FCF EV / FCF n/a Close	11.91

Financial Position

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

Current Ratio Current Ratio n/a Close	0.32
Quick Ratio Quick Ratio n/a Close	0.32
Debt / Equity Debt / Equity n/a Close	0.07
Debt / EBITDA Debt / EBITDA n/a Close	0.7
Debt / FCF Debt / FCF n/a Close	0.84
Interest Coverage Interest Coverage n/a Close	0.59

Financial Efficiency

Return on Equity is 7.35% and Return on Invested Capital is 2.09%.

Return on Equity Return on Equity n/a Close	7.35%
Return on Assets Return on Assets n/a Close	0.91%
Return on Invested Capital Return on Invested Capital n/a Close	2.09%
Revenue Per Employee Revenue Per Employee n/a Close	$496,450.37
Profits Per Employee Profits Per Employee n/a Close	$84,640.17
Employee Count Employee Count n/a Close	2,982
Asset Turnover Asset Turnover n/a Close	0.05
Inventory Turnover Inventory Turnover n/a Close	n/a

Taxes

Income Tax Income Tax n/a Close	70.61M
Effective Tax Rate Effective Tax Rate n/a Close	21.86%

Stock Price Statistics

The stock price has increased by 14.09% in the last 52 weeks. The beta is 0.8, so United Community Banks's price volatility has been higher than the market average.

Beta Beta n/a Close	0.8
52-Week Price Change 52-Week Price Change n/a Close	14.09%
50-Day Moving Average 50-Day Moving Average n/a Close	27.46
200-Day Moving Average 200-Day Moving Average n/a Close	30.03
Relative Strength Index (RSI) Relative Strength Index (RSI) n/a Close	51.37
Average Volume (20 Days) Average Volume (20 Days) n/a Close	829,539

Income Statement

In the last 12 months, United Community Banks had revenue of 1.48B and earned 252.4M in profits. Earnings per share was 2.04.

Revenue Revenue n/a Close	1.48B
Gross Profit Gross Profit n/a Close	879.09M
Operating Income Operating Income n/a Close	323.01M
Net Income Net Income n/a Close	252.4M
EBITDA EBITDA n/a Close	363.94M
EBIT EBIT n/a Close	323.01M
Earnings Per Share (EPS) Earnings Per Share (EPS) n/a Close	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 Cash & Cash Equivalents n/a Close	519.87M
Total Debt Total Debt n/a Close	254.15M
Net Cash Net Cash n/a Close	265.72M
Retained Earnings Retained Earnings n/a Close	714.14M
Total Assets Total Assets n/a Close	27.87B
Working Capital Working Capital n/a Close	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 Operating Cash Flow n/a Close	349.73M
Capital Expenditures Capital Expenditures n/a Close	-47.04M
Free Cash Flow Free Cash Flow n/a Close	302.69M
FCF Per Share FCF Per Share n/a Close	2.53

Full Cash Flow Statement

Margins

Gross margin is 59.38%, with operating and profit margins of 21.82% and 17.05%.

Gross Margin Gross Margin n/a Close	59.38%
Operating Margin Operating Margin n/a Close	21.82%
Pretax Margin Pretax Margin n/a Close	21.82%
Profit Margin Profit Margin n/a Close	17.05%
EBITDA Margin EBITDA Margin n/a Close	24.58%
EBIT Margin EBIT Margin n/a Close	21.82%
FCF Margin FCF Margin n/a Close	20.45%

Dividends & Yields

UCB pays an annual dividend of $1.19, which amounts to a dividend yield of 3.35%.

Dividend Per Share Dividend Per Share n/a Close	$1.19
Dividend Yield Dividend Yield n/a Close	3.35%
Dividend Growth (YoY) Dividend Growth (YoY) n/a Close	4.35%
Payout Ratio Payout Ratio n/a Close	56.4%
Earnings Yield Earnings Yield n/a Close	6.52%
FCF Yield FCF Yield n/a Close	7.82%

Dividend Details

Analyst Forecast

The average price target for UCB is $32, which is 11.7% higher than the current price. The consensus rating is "Hold".

Price Target Price Target n/a Close	$32
Price Target Difference Price Target Difference n/a Close	11.7%
Analyst Consensus Analyst Consensus n/a Close	Hold
Analyst Count Analyst Count n/a Close	5

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value Lynch Fair Value n/a Close	$10.2
Lynch Upside Lynch Upside n/a Close	-64.41%
Graham Number Graham Number n/a Close	36.86
Graham Upside Graham Upside n/a Close	28.61%

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 Last Split Date n/a Close	Jun 20, 2011
Split Type Split Type n/a Close	backward
Split Ratio Split Ratio n/a Close	1:5

Scores

Altman Z-Score Altman Z-Score n/a Close	0.22
Piotroski F-Score Piotroski F-Score n/a Close	7