Stock UCBI UNITED COMMUNITY BANKS, INC.
Add to a list
To use this feature you must be a member
Log inSign up

Financials United Community Banks, Inc.

Equities

UCBI

US90984P3038

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-05-17 pm EDT 		5-day change 1st Jan Change
26.96 USD +0.41% Intraday chart for United Community Banks, Inc. +0.94% -7.86%
May. 16 United Community Banks Keeps Quarterly Dividend at $0.23 a Share, Payable July 5 to Shareholders of Record June 15 MT
May. 06 Southern First Bancshares Appoints Chris Zych Finance Chief MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 2,439 2,463 3,209 3,590 3,481 3,199 -
Enterprise Value (EV) 1 2,439 2,463 3,209 3,590 3,481 3,199 3,199
P/E ratio 13.4 x 14.9 x 12.1 x 13.4 x 19 x 12.8 x 11.5 x
Yield 2.2% 2.53% 2.17% 2.54% 3.14% 3.48% 3.65%
Capitalization / Revenue 4.25 x 3.74 x 4.54 x 4.03 x 3.9 x 3.3 x 3.13 x
EV / Revenue 4.25 x 3.74 x 4.54 x 4.03 x 3.9 x 3.3 x 3.13 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.5 x 1.3 x 1.52 x 1.39 x 1.1 x 0.96 x 0.92 x
Nbr of stocks (in thousands) 78,982 86,620 89,293 106,203 118,980 119,141 -
Reference price 2 30.88 28.44 35.94 33.80 29.26 26.85 26.85
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 574.1 657.9 706.9 890.1 893.2 970.6 1,022
EBITDA - - - - - - -
EBIT 1 259.2 296.9 310.2 448 349.2 401.2 428
Operating Margin 45.15% 45.13% 43.89% 50.33% 39.09% 41.34% 41.89%
Earnings before Tax (EBT) 1 238.7 209.4 347.8 356 232.5 337.9 371.6
Net income 1 185.7 164.1 261.3 269.1 180.8 249.7 280.7
Net margin 32.35% 24.94% 36.96% 30.24% 20.25% 25.73% 27.47%
EPS 2 2.310 1.910 2.970 2.520 1.540 2.105 2.336
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.6800 0.7200 0.7800 0.8600 0.9200 0.9357 0.9800
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 174.7 203.9 212.4 231.7 243.2 241.7 236.7 234.5 180.4 239.8 238.9 245.8 247.8 246 253.2
EBITDA - - - - - - - - - - - - - - -
EBIT 1 65.58 97.41 99.84 121.9 128.8 113.3 100.5 99.23 31.54 96.88 96.83 103.2 104 98.07 105.9
Operating Margin 37.53% 47.77% 47.01% 52.62% 52.96% 46.88% 42.47% 42.31% 17.49% 40.4% 40.53% 42% 41.98% 39.86% 41.81%
Earnings before Tax (EBT) 1 66.22 60.4 85.97 103.5 106.1 80.09 81.51 59.79 11.15 80.84 81.89 86.5 88.04 85.08 92.1
Net income 1 49.98 46.06 64.76 79.04 79.27 60.24 61.23 47.87 12.62 60.71 60.55 63.99 64.96 64.02 69.45
Net margin 28.61% 22.59% 30.5% 34.11% 32.59% 24.93% 25.87% 20.41% 7% 25.32% 25.35% 26.04% 26.22% 26.02% 27.43%
EPS 2 0.5500 0.4300 0.6100 0.7400 0.7400 0.5200 0.5300 0.3900 0.1100 0.5100 0.5088 0.5362 0.5475 0.5362 0.5738
Dividend per Share 2 0.2000 0.2100 0.2100 0.2200 0.2200 0.2300 0.2300 0.2300 0.2300 - 0.2329 0.2357 0.2357 0.2443 0.2443
Announcement Date 1/18/22 4/19/22 7/19/22 10/18/22 1/17/23 4/18/23 7/18/23 10/18/23 1/24/24 4/24/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 12.3% 9.58% 13.7% 10.1% 7.33% 7.75% 8.22%
ROA (Net income/ Total Assets) 1.51% 1.07% 1.42% 1.19% 0.94% 0.93% 0.99%
Assets 1 12,299 15,335 18,399 22,616 19,239 26,899 28,351
Book Value Per Share 2 20.50 21.90 23.60 24.40 26.50 28.00 29.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for United Community Banks, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
26.85 USD
Average target price
29.29 USD
Spread / Average Target
+9.07%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Commercial Banks

1st Jan change Capi.
UNITED COMMUNITY BANKS, INC. Stock United Community Banks, Inc.
-8.24% 3.2B
AGRICULTURAL BANK OF CHINA LIMITED Stock Agricultural Bank of China Limited
+26.91% 207B
PT BANK CENTRAL ASIA TBK Stock PT Bank Central Asia Tbk
+2.13% 74.34B
ANZ GROUP HOLDINGS LIMITED Stock ANZ Group Holdings Limited
+8.53% 56.68B
CRÉDIT AGRICOLE S.A. Stock Crédit Agricole S.A.
+22.24% 51.37B
INDUSTRIAL BANK CO., LTD. Stock Industrial Bank Co., Ltd.
+7.22% 50.01B
CHINA CITIC BANK CO., LTD. Stock China CITIC Bank Co., Ltd.
+37.77% 46.82B
JAPAN POST BANK CO., LTD. Stock JAPAN POST BANK Co., Ltd.
+7.21% 35.83B
QATAR NATIONAL BANK (Q.P.S.C.) Stock Qatar National Bank (Q.P.S.C.)
-15.43% 35.46B
INVEST BANK Stock Invest bank
-96.60% 32.24B
Commercial Banks
  1. Stock Market
  2. Equities
  3. UCBI Stock
  4. Financials United Community Banks, Inc.
-40% Limited Time Offer: Our subscriptions help you unlock hidden opportunities.
BENEFIT NOW