United Community Banks, Inc. Financial Ratios — UCBI Stock

Profitability (USD)

	2009 Y	2010 Y	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
As of date	12/31/2009	12/31/2010	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

Return on Common Equity (%)	-132.57	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	93.7	81.71	52.29	27.51
Return on Assets (%)	-2.75	-6.51	-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
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.95	5.66	7.48	11.46	9.6	7.17	6.87	7.43	6.39	6	4.3	-1.34	-0.3	5.38	5.16
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-108.65	-149.27	-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
Profit Margin (%)	-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
Net Income to Common Margin (%)	-81.13	-177.02	-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
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
Dvd Payout Ratio (%)	0.72	0.25	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
Sustainable Growth Rate (%)	-131.61	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	59.32	60.92	35.5	11.53

Credit (USD)

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	2009 Y	2010 Y	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
As of date	12/31/2009	12/31/2010	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

Total Debt	265	205	263	218	303	400	594	884	625	427	213	327	247	1,034	325
ST Debt	- -	- -	103	53	53	- -	- -	- -	- -	160	- -	- -	- -	159	- -
LT Debt	265	205	161	165	250	400	594	884	625	267	213	327	247	875	325
Total Debt/EBITDA	18.18	12.53	12.49	6.68	11.49	20.05	26.22	29.5	22.74	13.79	8.88	-38.08	-119.9	22.13	7.22
Net Debt/EBITDA	1.23	-0.16	-5.45	-1.03	2.82	10.39	15.61	22.25	11.31	3.23	-12.63	149.27	990.86	11.17	-15.1
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.53	-3.18	-9.64	-9.58	-5.23	-4.33	-2.7	-1.69	-1.11	-0.09	0.92	1.26	2.01	2.56	2.57
Long-Term Debt/Equity (%)	27.49	32.3	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
Long-Term Debt/Capital (%)	54.89	142.34	-74.48	-69.15	690.89	550.34	172.38	125.73	126.85	64.23	64.09	50.54	32.39	50.12	29.18
Long-Term Debt/Total Assets (%)	3.31	2.76	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
Total Debt/Equity (%)	27.49	32.3	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
Total Debt/Capital (%)	54.89	142.34	-121.98	-91.19	838.03	550.34	172.38	125.73	126.85	102.69	64.09	50.54	32.39	59.23	29.18
Total Debt/Total Assets (%)	3.31	2.76	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
Net Debt to Equity	1.86	-0.41	-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
Net Debt/Capital (%)	7.61	4.12	19.35	6.87	-38.57	-172.82	339.36	137.24	174.09	112.6	164.98	133.27	133.8	42.31	-620.46
EBITDA	15	16	21	33	26	20	23	30	27	31	24	-9	-2	47	45
EBITDA-CapEx	- -	9	14	28	18	15	12	13	5	13	3	-27	-29	4	-28
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2009 Y	2010 Y	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
As of date	12/31/2009	12/31/2010	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.53	-3.18	-9.64	-9.58	-5.23	-4.33	-2.7	-1.69	-1.11	-0.09	0.92	1.26	2.01	2.56	2.57
Long-Term Debt/Equity (%)	27.49	32.3	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
Long-Term Debt/Capital (%)	54.89	142.34	-74.48	-69.15	690.89	550.34	172.38	125.73	126.85	64.23	64.09	50.54	32.39	50.12	29.18
Long-Term Debt/Total Assets (%)	3.31	2.76	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
Total Debt/Equity (%)	27.49	32.3	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
Total Debt/Capital (%)	54.89	142.34	-121.98	-91.19	838.03	550.34	172.38	125.73	126.85	102.69	64.09	50.54	32.39	59.23	29.18
Total Debt/Total Assets (%)	3.31	2.76	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
CFO/Total Liabilities	1.98	1.81	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
CFO/CapEx	9.39	17.31	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
Altman's Z-Score	0.06	-0.01	-0.09	-0.06	0.03	0.05	0.06	0.11	0.11	0.11	0.16	0.13	0.15	0.16	0.15

Working Capital (USD)

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	2009 Y	2010 Y	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
As of date	12/31/2009	12/31/2010	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

Accounts Receivable Turnover	7.36	9.96	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
Days Sales Outstanding	49.62	36.66	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
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)

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	2009 Y	2010 Y	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
As of date	12/31/2009	12/31/2010	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

Market Capitalization	163	147	222	435	830	919	1,033	1,749	1,716	1,452	2,142	2,136	2,922	3,422	3,379
- Cash & Cash Equivalents	247	208	378	251	229	193	240	217	314	327	515	1,609	2,292	512	1,004
+ Preferred Equity and Hybrid Capital	175	176	194	195	122	- -	10	- -	- -	- -	- -	96	96	96	88
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	265	205	263	218	303	400	594	884	625	427	213	327	247	1,034	325
Enterprise Value	355	320	-1,489	-1,238	-806	-657	-895	-17	-589	-1,076	-436	-2,274	-3,522	426	-543
Total Capital	482	144	-216	-239	36	73	345	703	493	416	332	647	764	1,745	1,113
Total Debt/Capital (%)	54.89	142.34	-121.98	-91.19	838.03	550.34	172.38	125.73	126.85	102.69	64.09	50.54	32.39	59.23	29.18
Total Debt / EV	0.74	0.64	-0.18	-0.18	-0.38	-0.61	-0.66	-53.12	-1.06	-0.4	-0.49	-0.14	-0.07	2.43	-0.6
EV/Sales	1.21	1.11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.49	- -
EV/EBITDA	24.42	19.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.11	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.55	2.59	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.7	- -
EV/Free Cash Flow to Firm	2.3	2.45	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.65	- -
Diluted Market Cap	163	147	222	435	831	919	1,033	1,749	1,716	1,452	2,142	2,138	2,927	3,425	3,383
Diluted Enterprise Value	355	320	301	596	1,027	1,126	1,397	2,416	2,027	1,552	1,839	953	980	4,044	2,792
EV per Share	29.43	16.92	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.99	- -
TTM Sales	294	290	282	284	275	278	330	403	430	516	558	639	687	868	872
TTM EBITDA	15	16	21	33	26	20	23	30	27	31	24	-9	-2	47	45
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	140	123	152	183	192	99	113	140	208	270	154	159	359	607	294
TTM Free Cash Flow to Firm	154	131	159	187	200	104	124	157	230	288	175	177	386	650	366

Multiples (USD)

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	2009 Y	2010 Y	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
As of date	12/31/2009	12/31/2010	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

Price/Free Cash Flow	1.05	1.13	1.4	2.32	4.16	8.8	8.34	11.12	7.46	5.05	12.25	12.07	7.59	5.27	9.23
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	355	320	-1,489	-1,238	-806	-657	-895	-17	-589	-1,076	-436	-2,274	-3,522	426	-543
Low Price	11.14	5.5	5.95	6.12	9.59	14.86	16.48	15.74	24.47	20.23	21.19	14.95	26.97	27.85	20.37
EV/Sales	1.21	1.11	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.49	- -
EV/EBITDA	24.42	19.54	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.11	- -
Price/Earnings	- -	- -	- -	20.02	3.18	13.67	14.45	17.38	25.3	8.74	11.53	13.3	11.11	12.64	18.68
Price/Earnings Average	-1.14	-0.52	-1.23	17.93	2.39	12.36	14.46	11.94	24.62	11.94	10.23	9.91	10.02	12.63	17.05
Price/Earnings High	-3.43	-1.14	-2.45	27.45	4.18	18.29	20.36	21.59	32.91	16.39	13.59	16.07	12.46	15.57	22.91
Price/Earnings Low	-0.56	-0.2	-1	16.31	2.16	13.4	15.09	11.25	26.43	9.7	9.09	7.75	9.02	10.98	13.24
Price/Book Value	3.8	-0.62	-0.33	-0.67	-2.14	-2.81	-3.98	-9.66	-12.97	-129.84	17.97	9.56	6.96	5.56	4.83
Price/Book Value Average	6.36	-1.12	-0.44	-0.6	-1.6	-2.54	-3.99	-6.64	-12.62	-177.39	15.94	7.12	6.27	5.56	4.41
Price/Book Value High	19.12	-2.48	-0.87	-0.91	-2.81	-3.75	-5.61	-12.01	-16.87	-243.44	21.17	11.54	7.8	6.85	5.92
Price/Book Value Low	3.14	-0.44	-0.35	-0.54	-1.45	-2.75	-4.16	-6.25	-13.55	-144.08	14.17	5.56	5.65	4.83	3.42
Price/Tangible Book Value	0.29	0.33	0.6	1.14	1.24	1.25	1.2	1.9	1.62	1.28	1.66	1.4	1.77	1.87	1.55
Price/Tangible Book Value Average	0.48	0.59	0.79	1.02	0.93	1.13	1.2	1.31	1.58	1.75	1.47	1.04	1.59	1.87	1.41
Price/Tangible Book Value High	1.45	1.31	1.57	1.57	1.63	1.67	1.69	2.36	2.11	2.4	1.95	1.69	1.98	2.31	1.9
Price/Tangible Book Value Low	0.24	0.23	0.64	0.93	0.84	1.22	1.25	1.23	1.69	1.42	1.31	0.81	1.43	1.63	1.1
Price/Sales	0.55	0.51	0.79	1.53	3.02	3.3	3.13	4.33	3.99	2.81	3.84	3.34	4.26	3.94	3.87
Price/Sales Average	0.93	0.92	1.04	1.37	2.27	2.98	3.13	2.98	3.88	3.84	3.41	2.49	3.84	3.94	3.54
Price/Sales High	2.78	2.03	2.08	2.1	3.97	4.41	4.41	5.39	5.19	5.27	4.52	4.04	4.77	4.85	4.75
Price/Sales Low	0.46	0.36	0.84	1.25	2.05	3.23	3.27	2.81	4.17	3.12	3.03	1.95	3.45	3.42	2.75
Price/Cash Flow	1.17	1.19	1.46	2.37	4.33	9.25	9.11	12.5	8.25	5.38	13.91	13.46	8.13	5.63	11.49
Price/Cash Flow Average	1.95	2.15	1.93	2.13	3.25	8.36	9.12	8.59	8.03	7.35	12.34	10.03	7.33	5.63	10.49
Price/Cash Flow High	5.86	4.75	3.85	3.26	5.69	12.38	12.83	15.53	10.73	10.08	16.39	16.26	9.11	6.94	14.1
Price/Cash Flow Low	0.96	0.84	1.56	1.93	2.94	9.07	9.51	8.09	8.62	5.97	10.97	7.84	6.6	4.89	8.15
Price/Free Cash Flow Average	1.76	2.04	1.85	2.08	3.12	7.96	8.34	7.64	7.26	6.9	10.86	8.99	6.84	5.26	8.43
Price/Free Cash Flow High	5.3	4.5	3.68	3.18	5.47	11.78	11.74	13.82	9.7	9.47	14.43	14.58	8.5	6.49	11.33
Price/Free Cash Flow Low	0.87	0.8	1.49	1.89	2.82	8.63	8.71	7.2	7.79	5.6	9.66	7.03	6.16	4.57	6.55
EV/Sales Average	1.58	1.52	1.32	1.94	2.98	3.73	4.24	4.63	4.6	4.04	2.86	0.64	1	4.65	2.86
EV/Sales High	3.44	2.62	2.36	2.67	4.68	5.16	5.51	7.04	5.91	5.47	3.98	2.18	1.93	5.57	4.08
EV/Sales Low	1.11	0.96	1.12	1.82	2.77	3.98	4.37	4.46	4.89	3.31	2.49	0.09	0.62	4.13	2.07
EV/EBITDA Average	31.92	26.79	17.67	16.92	31.02	52	61.7	62.34	72.03	67.29	66.67	-47.32	-332.99	86.43	55.47
EV/EBITDA High	69.46	46.37	31.5	23.27	48.77	71.98	80.32	94.75	92.48	91.14	92.72	-162.49	-643.31	103.45	79.06
EV/EBITDA Low	22.47	16.93	15.02	15.84	28.79	55.52	63.7	60.01	76.5	55.26	57.88	-6.8	-205.53	76.85	40.14
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.48	7.76	5.56	7.51	14.12	15.16	15.78	24.32	23.43	18.23	26.87	25.68	33.23	32.08	28.73
High Price	67.77	31	14.65	10.3	18.56	20.28	22.23	30.22	30.47	34.18	31.66	31.02	37.24	39.5	35.25
Enterprise Value Average	465	439	372	551	819	1,038	1,398	1,869	1,980	2,084	1,597	406	687	4,036	2,494
Enterprise Value High	1,011	760	664	758	1,287	1,436	1,819	2,840	2,543	2,823	2,221	1,395	1,327	4,831	3,555
Enterprise Value Low	327	277	317	516	760	1,108	1,443	1,799	2,103	1,711	1,386	58	424	3,589	1,805

Shares Outstanding	19	19	58	58	59	60	71	71	78	79	79	87	89	106	119
Diluted Weighted Avg Shares	12	19	40	58	59	61	65	72	73	80	80	83	88	107	118
Basic Weighted Avg Shares	12	19	40	58	59	61	65	72	73	80	80	83	88	107	118
Revenue per Share	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
EBITDA per Share	1.21	0.87	0.53	0.56	0.45	0.33	0.35	0.42	0.38	0.39	0.3	-0.1	-0.02	0.44	0.38
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-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
Basic EPS from Cont Ops	-18.95	-26.61	-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
Diluted EPS, GAAP	-19.76	-27.09	-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
Diluted EPS from Cont Ops	-18.95	-26.61	-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
Dividend per Share	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
Cash Flow per Share	11.56	6.52	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
Free Cash Flow per Basic Share	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
Cash & Equivalents per Share	20.43	10.99	54.29	36.05	35.06	32.6	38.66	36.85	40	37.1	35	58.1	77.19	38.69	36.86
Book Value per Share	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
Tangible Book Value per Share	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

United Community Banks, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)