United Community Banks, Inc.

United Community Banks, Inc.

UCBI
United Community Banks, Inc.US flagNASDAQ Global Select
27.83
USD
-0.93
- -
3.32BMarket Cap
United Community Banks, Inc.
UCBI
(NASDAQ Global Select)

Recent

price

27.83

P/E

ratio

- -

div

yld

- -

ROIC.AI

2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
29.87
24.35
15.3
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
7.35
Revenue per Share
-6.62
-19.76
-27.09
-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
1.55
Basic EPS, GAAP
11.34
10.33
6.14
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
2.03
Free Cash Flow per Basic Share
1.31
0.71
0.48
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
0.97
Dividend per Share
32.71
3.54
-12.52
-16.86
-11.26
-6.61
-5.4
-3.96
-2.52
-1.81
-0.14
1.5
2.69
4.78
5.77
5.95
6.45
Book Value per Share
68.84
46.58
23.68
9.34
6.58
11.41
12.15
13.15
12.79
14.46
14.23
16.23
18.38
18.8
17.11
18.56
19.02
Tangible Book Value per Share
10
12
19
40
58
59
61
65
72
73
80
80
83
88
107
118
120
Basic Weighted Avg Shares
290
294
290
282
284
275
278
330
403
430
516
558
639
687
868
872
879
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
15
15
16
21
33
26
20
23
30
27
31
24
-9
-2
47
45
42
Depreciation Expense
-63
-228
-502
-227
34
273
68
72
101
68
166
186
164
270
277
188
191
Net Income, GAAP
- -
- -
- -
- -
3.01
- -
36.85
37.77
38.24
60.76
23.07
22.2
21.66
22.42
22.06
19.35
19.58
Effective Tax Rate (%)
-21.91
-77.65
-173.46
-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
21.75
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
386
265
205
161
165
250
400
594
884
625
267
213
327
247
875
325
325
LT Debt
989
962
636
575
581
796
740
1,018
1,076
1,303
1,458
1,636
2,008
2,222
2,701
3,262
3,343
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-17.99
-132.57
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
93.7
81.71
52.29
27.51
25.25
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'23
Mar'24
Jun'24
ST Debt
- -
- -
- -
LT Borrowings
325
325
325
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
88
88
88
Shares Outstanding
119
119
119
Market Capitalization
3,378
3,094
3,046

Working Capital

FRC

in mil. unless spec.
Dec'23
Mar'24
Jun'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,335
4,355
4,168
Accounts Receivable, Net
88
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.72%
17.59%
20.77%
Free Cash Flow
17.15%
20.87%
-60.77%
Net Income, GAAP
11.86%
7%
-32.41%
Sales/Revenue/Turnover
12.57%
11.38%
0.44%
Total Cash Common Dividend
33.91%
20.57%
20.95%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
198
206
226
238
868
2023
236
231
229
175
872
2024
234
240
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
0.43
0.61
0.74
0.75
2.54
2023
0.52
0.53
0.39
0.1
1.54
2024
0.51
0.54
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2022
0.19
0.23
0.23
0.24
0.88
2023
0.22
0.25
0.24
0.25
0.95
2024
0.24
0.25
- -
- -
- -
Business
United Community Banks, Inc. is a bank holding company primarily engaged in providing a full range of banking and financial services. Its core products and services include commercial and retail banking; deposit products such as checking, savings, and money market accounts; loan and leasing products including commercial loans, residential and consumer real estate loans, and indirect and direct consumer loans; treasury and cash management services; mortgage banking through origination and servicing; and wealth management and trust services. The company operates primarily in the Southeastern United States, serving individuals, small to mid-sized businesses, and commercial clients. Founded in 1987, United Community Banks, Inc. is headquartered in Blairsville, Georgia. In the last 1-2 years, United Community Banks, Inc. has engaged in strategic expansion through acquisitions and partnerships to enhance its market presence and product offerings. Recent significant developments include acquisitions of regional banking franchises to expand its geographic footprint and broaden its customer base in the Southeast. The company has also focused on strengthening its digital banking platform and enhancing customer experience through technology investments. These moves align with its strategic objective to grow organically and inorganically while maintaining strong community banking principles. The company operates within the financial services industry, specifically in commercial banking, retail banking, mortgage finance, and wealth management segments. Its target markets span from individual consumers and small businesses to larger commercial enterprises primarily in Georgia, Tennessee, Alabama, Florida, South Carolina, and North Carolina. United Community Banks, Inc. maintains a network of community banks as subsidiaries, leveraging local expertise to serve community needs effectively. United Community Banks, Inc. is listed on the NASDAQ under the ticker symbol UCBI, continuing to capitalize on its regional strength and diversified financial services portfolio to drive long-term growth and shareholder value.

Company News

APIChatGPT
  • United Community Banks UCB Earnings Transcript

  • Should You Buy United Community Banks (UCBI) After Golden Cross?

  • United Community Banks, Inc. Announces Transfer of Listing of Common Stock and Depositary Shares to NYSE

  • United Community Banks (UCBI) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

  • United Community Banks (UCBI) Beats Q2 Earnings and Revenue Estimates

  • United Community Banks, Inc. Announces Date for Second Quarter 2024 Earnings Release and Conference Call

  • Is New York Community Bancorp Stock a Buy?

  • United Community Banks, Inc. Announces Quarterly Cash Dividends on Common and Preferred Stock

  • United Community Banks, Inc. (UCBI) Q1 2024 Earnings Call Transcript

  • Compared to Estimates, United Community Banks (UCBI) Q1 Earnings: A Look at Key Metrics

  • United Community Banks, Inc. Reports First Quarter Results

  • United Community Banks, Inc. Announces Date for First Quarter 2024 Earnings Release and Conference Call

  • For tenth time, J.D. Power Ranks United Community #1 in Customer Satisfaction with Consumer Banking and #1 in Trust in the Southeast this year

  • United Community Banks, Inc. Announces Quarterly Cash Dividends on Common Stock

  • United Community earns 15 Greenwich Excellence and Best Brand Awards for Middle Market and Small Business Banking

  • United Community Banks, Inc. Announces Quarterly Cash Dividends on Preferred Stock

  • United Community Banks, Inc. (UCBI) Q4 2023 Earnings Call Transcript

  • United Community Banks (UCBI) Reports Q4 Earnings: What Key Metrics Have to Say

  • United Community Banks (UCBI) Tops Q4 Earnings Estimates

  • United Community Banks, Inc. Reports Fourth Quarter Results