United Community Banks, Inc.
New York Stock ExchangeTotal Valuation
United Community Banks, Inc. carries a market capitalization of 3.86B, placing it among publicly traded companies globally. Its enterprise value stands at -123.81M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 3.86B |
| Enterprise Value | -123.81M |
Share Statistics
United Community Banks, Inc. currently has 119.68M shares outstanding.
| Shares Outstanding | 119.68M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
United Community Banks, Inc. trades at a trailing price-to-earnings ratio of 11.32. The price-to-sales ratio is 3.58, and the price-to-book ratio stands at 3.51.
| PE Ratio | 11.32 |
| PS Ratio | 3.58 |
| PB Ratio | 3.51 |
| P/TBV Ratio | 1.42 |
| P/FCF Ratio | 9.95 |
| P/OCF Ratio | 10.78 |
Enterprise Valuation
On an enterprise value basis, United Community Banks, Inc. trades at an EV/EBITDA multiple of 123.11 and an EV/FCF ratio of 1.48.
| EV / Sales | 5.33 |
| EV / EBITDA | 123.11 |
| EV / EBIT | N/A |
| EV / FCF | 1.48 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 3.30 |
| Debt / EBITDA | 2.22 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 34.43 |
| Return on Assets (ROA) | 1.22 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, United Community Banks, Inc. has paid 98.64M in income taxes, reflecting an effective tax rate of 22.44.
| Income Tax | 98.64M |
| Effective Tax Rate | 22.44 |
Stock Price Statistics
United Community Banks, Inc.'s stock has gained approximately 11.82386% over the past 52 weeks. The 50-day moving average sits at 32.90, while the 200-day moving average is 32.22.
| Beta (5Y) | N/A |
| 52-Week Price Change | 11.82386% |
| 50-Day Moving Average | 32.90 |
| 200-Day Moving Average | 32.22 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, United Community Banks, Inc. generated 1.07B in revenue and converted that into 340.97M in net income, yielding earnings per share of 2.80.
| Revenue | 1.07B |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 439.61M |
| Net Income | 340.97M |
| EBITDA | 54.32M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.80 |
Balance Sheet
United Community Banks, Inc. holds 4.07B in cash and equivalents against 120.50M in total debt, resulting in a net debt position of -372.64M.
| Cash & Cash Equivalents | 4.07B |
| Total Debt | 120.50M |
| Net Debt | -372.64M |
| Equity (Book Value) | 1.09B |
| Book Value Per Share | 8.96 |
| Working Capital | N/A |
Cash Flow
United Community Banks, Inc. produced 354.68M in operating cash flow over the past twelve months. After subtracting -30.19M in capital expenditures, free cash flow totaled 324.49M - equivalent to 2.67 per share.
| Operating Cash Flow | 354.68M |
| Capital Expenditures | -30.19M |
| Free Cash Flow | 324.49M |
| FCF Per Share | 2.67 |
Margins
United Community Banks, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 41.15 |
| Profit Margin | 31.91 |
| EBITDA Margin | 5.08 |
Dividends & Yields
The company's payout ratio of 35.54 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.01 |
| Dividend Yield | N/A |
| Payout Ratio | 35.54 |
| Shareholder Yield | 14.19 |
| FCF Yield | 10.05 |
Stock Splits
United Community Banks, Inc.'s most recent stock split took place on June 20, 2011 with a 5:1 split ratio.
| Last Split Date | 6/20/2011 |
| Split Ratio | 5:1 |
Scores
United Community Banks, Inc. posts an Altman Z-Score of 0.18, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.18 |