United Community Banks, Inc. Financial Ratios — UCBN Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	-56.73	5.66	49.25	9.5	8.18	9.66	5.7	12.03	12.01	9.05	13.03	11.44	6.26	7.55	9.26
Return on Assets (%)	-3.14	0.49	3.84	0.9	0.83	0.99	0.6	1.36	1.46	1.07	1.39	1.23	0.73	0.92	1.18
Return on Capital (%)	- -	4.13	- -	6.04	5.2	5.64	3.49	8.71	9.95	7.85	11.23	8.95	5.12	6.94	8.81
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-81.86	12.28	12.72	38.45	34.86	40.4	40.17	41.81	42.81	32.76	50.66	41.01	26.67	34.73	40.58
Profit Margin (%)	-80.44	11.91	99.41	24.29	21.69	24.95	15.76	32.17	33.3	25.66	39.3	31.96	21.51	27.14	31.52
Net Income to Common Margin (%)	-84.64	7.64	95.02	24.13	21.67	24.94	15.76	32.17	33.3	25.11	38.3	31.17	20.75	26.46	31.07
Effective Tax Rate (%)	- -	3.01	- -	36.85	37.77	38.24	60.76	23.07	22.2	21.66	22.42	22.06	19.35	21.86	22.33
Dvd Payout Ratio (%)	0.67	-6.67	-0.37	3.85	20.7	15.77	38.65	25.06	28.56	36.69	25.45	32.11	58.09	45.64	36.65
Sustainable Growth Rate (%)	-56.35	6.03	49.43	9.14	6.49	8.13	3.5	9.02	8.58	5.73	9.71	7.77	2.62	4.11	5.87

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	263	218	303	400	594	884	625	427	213	327	247	1,034	325	254	120
ST Debt	103	53	53	- -	- -	- -	- -	160	- -	- -	- -	159	- -	- -	- -
LT Debt	161	165	250	400	594	884	625	267	213	327	247	875	325	254	120
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.46	5.67	9.08	9.77	10.49	10.05	10.94	11.59	12.66	10.74	10.15	10.85	11.62	12.06	12.99
Long-Term Debt/Equity (%)	27.95	28.37	31.42	54.08	58.33	82.2	47.97	18.33	13	16.29	11.13	32.39	9.96	7.41	3.31
Long-Term Debt/Capital (%)	19.17	20.64	22.75	35.1	36.84	45.12	32.42	14.18	11.51	14.01	10.02	23.42	9.06	6.89	3.2
Long-Term Debt/Total Assets (%)	2.3	2.42	3.37	5.29	6.18	8.26	5.25	2.13	1.65	1.84	1.18	3.64	1.19	0.92	0.43
Total Debt/Equity (%)	45.77	37.41	38.11	54.08	58.33	82.2	47.97	29.31	13	16.29	11.13	38.27	9.96	7.41	3.31
Total Debt/Capital (%)	31.4	27.23	27.59	35.1	36.84	45.12	32.42	22.67	11.51	14.01	10.02	27.68	9.06	6.89	3.2
Total Debt/Total Assets (%)	3.77	3.2	4.08	5.29	6.18	8.26	5.25	3.4	1.65	1.84	1.18	4.31	1.19	0.92	0.43
Net Debt to Equity	-19.98	-5.79	9.34	28.03	34.72	62	23.86	6.86	-18.5	-63.84	-91.99	19.32	-20.82	-7.74	-7.57
Net Debt/Capital (%)	-24.97	-6.14	8.54	21.9	25.77	38.27	19.26	6.42	-22.69	-176.57	-1,147.79	16.19	-26.29	-8.39	-8.19
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.46	5.67	9.08	9.77	10.49	10.05	10.94	11.59	12.66	10.74	10.15	10.85	11.62	12.06	12.99
Long-Term Debt/Equity (%)	27.95	28.37	31.42	54.08	58.33	82.2	47.97	18.33	13	16.29	11.13	32.39	9.96	7.41	3.31
Long-Term Debt/Capital (%)	19.17	20.64	22.75	35.1	36.84	45.12	32.42	14.18	11.51	14.01	10.02	23.42	9.06	6.89	3.2
Long-Term Debt/Total Assets (%)	2.3	2.42	3.37	5.29	6.18	8.26	5.25	2.13	1.65	1.84	1.18	3.64	1.19	0.92	0.43
Total Debt/Equity (%)	45.77	37.41	38.11	54.08	58.33	82.2	47.97	29.31	13	16.29	11.13	38.27	9.96	7.41	3.31
Total Debt/Capital (%)	31.4	27.23	27.59	35.1	36.84	45.12	32.42	22.67	11.51	14.01	10.02	27.68	9.06	6.89	3.2
Total Debt/Total Assets (%)	3.77	3.2	4.08	5.29	6.18	8.26	5.25	3.4	1.65	1.84	1.18	4.31	1.19	0.92	0.43
CFO/Total Liabilities	2.37	2.94	2.89	1.45	1.32	1.45	1.96	2.43	1.36	1.01	1.92	2.85	1.22	1.44	1.58
CFO/CapEx	21.07	44.47	23.54	19.64	10.77	8.05	9.37	15.33	7.35	8.6	13.57	14.22	4.06	7.43	13.92
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.53	14.44	14.36	14.03	14.38	15	14.23	15.22	16.38	15.92	15.14	14.99	10.86	10.73	12.31
Days Sales Outstanding	29.13	25.27	25.41	26.02	25.38	24.34	25.65	23.99	22.28	22.93	24.1	24.34	33.61	34.03	29.66
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,863
- Cash & Cash Equivalents	378	251	229	193	240	217	314	327	515	1,609	2,292	512	1,004	520	396
+ Preferred Equity and Hybrid Capital	194	195	122	- -	10	- -	- -	- -	- -	96	96	96	88	88	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	263	218	303	400	594	884	625	427	213	327	247	1,034	325	254	120
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	668
Total Capital	839	799	1,099	1,140	1,612	1,960	1,929	1,885	1,848	2,334	2,470	3,734	3,586	3,686	3,759
Total Debt/Capital (%)	31.4	27.23	27.59	35.1	36.84	45.12	32.42	22.67	11.51	14.01	10.02	27.68	9.06	6.89	3.2
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.18
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.64
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.74
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.87
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,890
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	695
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.54
TTM Sales	282	284	275	278	330	403	430	516	558	639	687	868	872	930	1,041
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	183	- -	99	113	140	208	270	154	159	359	607	294	350	384
TTM Free Cash Flow to Firm	- -	179	- -	94	103	123	186	252	133	140	333	565	221	303	356

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.91
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	668
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	29.42
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.64
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.02
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.69
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.27
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.04
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.06
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.03
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.08
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.98
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.45
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.41
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.48
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.33
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.73
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.63
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.81
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.43
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.12
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.84
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.33
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.29
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.61
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.14
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.02
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.54
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.72
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.34
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.03
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	32.7
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	562
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	749
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	353

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	58	58	59	60	71	71	78	79	79	87	89	106	119	119	121
Diluted Weighted Avg Shares	40	58	59	61	65	72	73	80	80	83	88	107	118	120	121
Basic Weighted Avg Shares	40	58	59	61	65	72	73	80	80	83	88	107	118	120	121
Revenue per Share	7.06	4.91	4.67	4.6	5.04	5.61	5.87	6.48	7	7.69	7.81	8.14	7.41	7.76	8.58
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-5.97	0.38	4.44	1.11	1.09	1.4	0.93	2.09	2.33	1.93	2.99	2.54	1.54	2.05	2.67
Basic EPS from Cont Ops	-5.68	0.59	4.65	1.12	1.09	1.4	0.93	2.09	2.33	1.97	3.07	2.6	1.59	2.11	2.7
Diluted EPS, GAAP	-5.97	0.38	4.44	1.11	1.09	1.4	0.93	2.08	2.33	1.93	2.98	2.53	1.54	2.05	2.66
Diluted EPS from Cont Ops	-5.68	0.59	4.64	1.12	1.09	1.4	0.93	2.08	2.33	1.97	3.06	2.6	1.59	2.11	2.7
Dividend per Share	0.26	0.18	0.19	0.05	0.23	0.22	0.36	0.52	0.67	0.75	0.84	0.88	0.95	0.99	1.02
Cash Flow per Share	3.8	3.16	3.26	1.64	1.73	1.95	2.84	3.39	1.93	1.91	4.09	5.69	2.5	2.92	3.17
Free Cash Flow per Basic Share	3.62	3.09	3.12	1.56	1.57	1.7	2.54	3.17	1.67	1.69	3.78	5.29	1.88	2.53	2.94
Cash & Equivalents per Share	37.67	36.12	34.68	32.78	35.42	37.37	37.77	37.3	35.31	55.76	75.97	38.84	36.43	41.52	27.49
Book Value per Share	6.63	6.69	11.34	12.27	14.11	15.17	16.8	18.4	20.7	22.05	23.79	24.52	26.66	28.01	30.17
Tangible Book Value per Share	6.48	6.59	11.28	12.21	12.04	12.97	13.65	14.31	16.37	17.64	18.5	17.18	18.34	20	22.15