United Community Banks, Inc.
NASDAQ Global SelectTotal Valuation
United Community Banks, Inc. carries a market capitalization of 3.32B, placing it among publicly traded companies globally. Its enterprise value stands at -708.79M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 3.32B |
| Enterprise Value | -708.79M |
Share Statistics
United Community Banks, Inc. currently has 119.17M shares outstanding.
| Shares Outstanding | 119.17M |
| 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 16.48. The price-to-sales ratio is 3.47, and the price-to-book ratio stands at 3.95.
| PE Ratio | 16.48 |
| PS Ratio | 3.47 |
| PB Ratio | 3.95 |
| P/TBV Ratio | 1.34 |
| P/FCF Ratio | 8.39 |
| P/OCF Ratio | 10.06 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 9.72 |
| Debt / EBITDA | 7.74 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 25.25 |
| Return on Assets (ROA) | 0.72 |
| 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 46.55M in income taxes, reflecting an effective tax rate of 19.58.
| Income Tax | 46.55M |
| Effective Tax Rate | 19.58 |
Stock Price Statistics
United Community Banks, Inc.'s stock has gained approximately 4.62406% over the past 52 weeks. The 50-day moving average sits at 26.61, while the 200-day moving average is 26.31.
| Beta (5Y) | N/A |
| 52-Week Price Change | 4.62406% |
| 50-Day Moving Average | 26.61 |
| 200-Day Moving Average | 26.31 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, United Community Banks, Inc. generated 878.95M in revenue and converted that into 191.20M in net income, yielding earnings per share of 1.60.
| Revenue | 878.95M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 237.75M |
| Net Income | 191.20M |
| EBITDA | 41.99M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 1.60 |
Balance Sheet
United Community Banks, Inc. holds 4.17B in cash and equivalents against 324.89M in total debt, resulting in a net debt position of -237.98M.
| Cash & Cash Equivalents | 4.17B |
| Total Debt | 324.89M |
| Net Debt | -237.98M |
| Equity (Book Value) | 771.41M |
| Book Value Per Share | 6.45 |
| Working Capital | N/A |
Cash Flow
United Community Banks, Inc. produced 302.85M in operating cash flow over the past twelve months. After subtracting -60.24M in capital expenditures, free cash flow totaled 242.61M - equivalent to 2.03 per share.
| Operating Cash Flow | 302.85M |
| Capital Expenditures | -60.24M |
| Free Cash Flow | 242.61M |
| FCF Per Share | 2.03 |
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 | 27.05 |
| Profit Margin | 21.75 |
| EBITDA Margin | 4.78 |
Dividends & Yields
The company's payout ratio of 59.55 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 0.97 |
| Dividend Yield | N/A |
| Payout Ratio | 59.55 |
| Shareholder Yield | 6.69 |
| FCF Yield | 11.91 |
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 0.15, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.15 |