UCBI

United Community Banks, Inc. [UCBI] Stock Forecast

Q: What is United Community Banks, Inc. stock symbol ?

United Community Banks, Inc. is a US stock, located in Blairsville of Ga and trading under the symbol UCBI

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UCBI Stock Summary

Earnings have grown 26.46% per last year.

Earnings are expected to rise 16.37% next year

UCBI's dividend payments are well covered by cash flows with cash payout ratio of 42.48%.

In the last year, shareholders have seen their holdings diluted. Dilution over past year is 22.23%

Profit margins (0.27%) are lower than the previous year (0.32%)

UCBI has less than 1 year of cash runway

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In the News

09:46 30 Nov 2023 UCBI

United Community Banks (UCBI) Misses Q3 Earnings and Revenue Estimates

United Community Banks (UCBI) came out with quarterly earnings of $0.45 per share, missing the Zacks Consensus Estimate of $0.46 per share. This compares to earnings of $0.75 per share a year ago.

04:30 30 Nov 2023 UCBI

United Community Banks, Inc. Announces Date for Third Quarter 2023 Earnings Release and Conference Call

GREENVILLE, S.C., Sept. 29, 2023 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NASDAQ: UCBI) announces it will release its third quarter 2023 financial results on Wednesday, October 18, 2023 before the stock market opens. The company also will hold a conference call at 11:00 a.m. ET on Wednesday, October 18, 2023 to discuss its financial results, business highlights and outlook.

08:22 30 Nov 2023 UCBI

PacWest, Western Alliance, United Community Banks stocks lose ground in premarket

PacWest Bancorp PACW, +8.50% is down 0.3% as one of the most active stocks in premarket trades on Wednesday with volume of 164,000 shares, according to the MarketWatch Premarket Screener. PacWest is due to report its second-quarter results on July 25, with analysts currently expecting a loss of 66 cents a share for the bank, according to FactSet data.

07:35 30 Nov 2023 UCBI

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

While the top- and bottom-line numbers for United Community Banks (UCBI) give a sense of how the business performed in the quarter ended June 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

06:50 30 Nov 2023 UCBI

United Community Banks (UCBI) Q2 Earnings and Revenues Miss Estimates

United Community Banks (UCBI) came out with quarterly earnings of $0.55 per share, missing the Zacks Consensus Estimate of $0.62 per share. This compares to earnings of $0.66 per share a year ago.

06:34 30 Nov 2023 UCBI

United Community Banks shares fall as ‘industry-wide deposit price competition' weighs on results

Shares of United Community Banks Inc. UCBI, +3.78% fell 6.1% after hours on Tuesday after the bank reported second-quarter results that missed expectations, as competition to attract new customers drove up costs. The bank, which has offices in the southeastern U.S., reported net income of $63.3 million, or 53 cents a share, compared with $66.8 million, or 61 cents, in the same quarter last year.

04:30 30 Nov 2023 UCBI

United Community Banks, Inc. Announces Date for Second Quarter 2023 Earnings Release and Conference Call

GREENVILLE, S.C., June 29, 2023 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NASDAQ: UCBI) announces it will release its second quarter 2023 financial results on Tuesday, July 18, 2023 after the stock market closes. The company also will hold a conference call at 11:00 a.m. ET on Wednesday, July 19, 2023 to discuss its financial results, business highlights and outlook.

02:50 30 Nov 2023 UCBI

United Community Banks, Inc. (UCBI) Q1 2023 Earnings Call Transcript

07:01 30 Nov 2023 UCBI

United Community Banks (UCBI) Misses Q1 Earnings and Revenue Estimates

United Community Banks (UCBI) came out with quarterly earnings of $0.58 per share, missing the Zacks Consensus Estimate of $0.68 per share. This compares to earnings of $0.50 per share a year ago.

04:30 30 Nov 2023 UCBI

United Community Banks, Inc. Announces Date for First Quarter 2023 Earnings Release and Conference Call

GREENVILLE, S.C., March 30, 2023 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NASDAQ: UCBI) announces it will release its first quarter 2023 financial results on Tuesday, April 18, 2023 after the stock market closes. The company also will hold a conference call at 11:00 a.m. ET on Wednesday, April 19, 2023 to discuss its financial results, business highlights and outlook.

UCBI Financial details

Company Rating

Strong Buy

Market Cap

2.92B

Income

254.9M

Revenue

934.38M

Book val./share

26.64

Cash/share

32.98

Dividend

0.91

Dividend %

3.74%

Employees

3.15K

Optionable

Shortable

Yes

Earnings

15 Jan 2024

P/E

11.41

Forward P/E

11.51

PEG

-4.29

P/S

3.1

P/B

0.91

P/C

0.75

P/FCF

12.94

Quick Ratio

105.54

Current Ratio

105.54

Debt / Equity

0.11

LT Debt / Equity

0.1

EPS (TTM)

2.18

EPS next Y

2.15

EPS next Q

0.5

EPS this Y

12.46%

EPS next Y

-1.38%

EPS next 5Y

5.7%

EPS last 5Y

9.83%

Revenue last 5Y

10.3%

Revenue Q/Q

-0.95%

EPS Q/Q

-26.42%

SMA20

13.64%

SMA50

-3.85%

SMA100

Inst Own

59.88%

Inst Trans

0.72%

ROA

ROE

ROC

0.02%

Gross Margin

68%

Oper. Margin

56%

Profit Margin

27%

Payout

31%

Shs Outstand

118.98M

Shs Float

118.3M

Target Price

32.5

52W Range

20.37-39.5

52W High

-36.56%

52W Low

+23.71%

RSI

Rel Volume

0.46

Avg Volume

605.66K

Volume

277.43K

Perf Week

-0.76%

Perf Month

2.53%

Perf Quarter

-6.92%

Perf Half Y

5.96%

Beta

1.028

Volatility

0.16%, 1.02%

Prev Close

1.69%

Price

24.741

Change

1.61%

UCBI Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	6.67	7.2	7.69	7.81	8.14
Net income per share	2.09	2.33	1.97	3.07	2.6
Operating cash flow per share	3.39	1.93	1.91	4.09	5.69
Free cash flow per share	3.17	1.67	1.69	3.78	5.29
Cash per share	37.1	35	58.1	77.19	38.69
Book value per share	18.3	20.52	24.13	25.27	25.32
Tangible book value per share	14.23	155.1	205.4	230.01	18.01
Share holders equity per share	18.3	20.52	24.13	25.27	25.32
Interest debt per share	6.13	3.71	4.61	3.15	10.26
Market cap	1.71B	2.46B	2.37B	3.16B	3.61B
Enterprise value	1.81B	2.16B	1.08B	1.12B	4.13B
P/E ratio	10.29	13.25	14.42	11.71	12.99
Price to sales ratio	3.22	4.29	3.7	4.6	4.15
POCF ratio	6.33	15.99	14.91	8.8	5.94
PFCF ratio	6.77	18.51	16.87	9.5	6.39
P/B Ratio	1.17	1.5	1.18	1.42	1.33
PTB ratio	1.17	1.5	1.18	1.42	1.33
EV to sales	3.4	3.76	1.7	1.63	4.75
Enterprise value over EBITDA	5.87	8.86	5.08	3.17	9.74
EV to operating cash flow	6.7	14.02	6.83	3.11	6.8
EV to free cash flow	7.17	16.23	7.73	3.35	7.31
Earnings yield	0.1	0.08	0.07	0.09	0.08
Free cash flow yield	0.15	0.05	0.06	0.11	0.16
Debt to equity	0.29	0.13	0.16	0.11	0.38
Debt to assets	0.03	0.02	0.02	0.01	0.04
Net debt to EBITDA	0.32	-1.24	-6	-5.81	1.23
Current ratio	57.13	0	0	0	4.53
Interest coverage	4.52	2.87	3.72	11.69	6.86
Income quality	1.63	0.83	0.97	1.33	2.19
Dividend Yield	0.02	0.02	0.03	0.02	0.03
Payout ratio	0.25	0.29	0.38	0.27	0.34
Sales general and administrative to revenue	0.36	0.35	0.36	0.36	0.33
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.03	0.03	0.02	0.02	0.03
Capex to operating cash flow	-0.07	-0.14	-0.12	-0.07	-0.07
Capex to revenue	-0.03	-0.04	-0.03	-0.04	-0.05
Capex to depreciation	-0.57	-0.87	2.15	12.84	-0.91
Stock based compensation to revenue	0.01	0.02	0.01	0.01	0.01
Graham number	29.3	32.8	32.73	41.77	38.5
ROIC	0.11	0.1	0.07	0.11	0.09
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	-102.1	32.64	54.6	74.75	-160.58
Working capital	8.98B	2.82B	4.88B	6.83B	560.73M
Tangible asset value	1.13B	12.36B	17.09B	20.23B	1.92B
Net current asset value	-1.98B	2.61B	4.55B	6.58B	-20.59B
Invested capital	0.29	0.13	0.16	0.11	0.38
Average receivables	33.94M	34.04M	40.17M	45.34M	57.9M
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	24.31	20.76	27.22	22.86	30.61
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	15.01	17.58	13.41	15.97	11.92
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.11	0.11	0.08	0.12	0.1
Capex per share	-0.22	-0.26	-0.22	-0.3	-0.4

Quarterly Fundamentals Overview

Last date of statement is 2023-09-30 for Q3

Metric	2022-09-30	2022-12-31	2023-03-31	2023-06-30	2023-09-30
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.12	2.23	2.04	2	1.92
Net income per share	0.76	0.76	0.54	0.55	0.4
Operating cash flow per share	1.51	0.93	0.78	0.82	0
Free cash flow per share	1.42	0.77	0.58	0.64	0
Cash per share	40.32	38.64	35.59	35.16	32.98
Book value per share	24.7	25.29	26.66	26.82	26.64
Tangible book value per share	24.7	17.99	18.34	214.54	26.64
Share holders equity per share	24.7	25.29	26.66	26.82	26.64
Interest debt per share	3.17	9.97	3.72	3.63	4.04
Market cap	3.53B	3.61B	3.25B	2.89B	3.04B
Enterprise value	3.42B	4.13B	2.83B	2.51B	2.64B
P/E ratio	10.88	11.08	13.03	11.43	15.86
Price to sales ratio	15.61	15.19	13.76	12.5	13.24
POCF ratio	21.93	36.5	36.03	30.48	0
PFCF ratio	23.31	43.75	48.1	39.25	0
P/B Ratio	1.34	1.34	1.05	0.93	0.95
PTB ratio	1.34	1.34	1.05	0.93	0.95
EV to sales	15.11	17.38	12	10.83	11.51
Enterprise value over EBITDA	26.66	29.8	18.67	13.9	41.26
EV to operating cash flow	21.22	41.77	31.42	26.41	0
EV to free cash flow	22.56	50.08	41.94	34.01	0
Earnings yield	0.02	0.02	0.02	0.02	0.02
Free cash flow yield	0.04	0.02	0.02	0.03	0
Debt to equity	0.12	0.38	0.12	0.1	0.11
Debt to assets	0.01	0.04	0.01	0.01	0.01
Net debt to EBITDA	-0.89	3.76	-2.74	-2.14	-6.21
Current ratio	0	4.53	569.17	0	105.54
Interest coverage	8.96	4.43	2.18	1.85	0.5
Income quality	1.98	1.21	1.45	1.5	0
Dividend Yield	0.01	0.01	0.01	0.01	0
Payout ratio	0.3	0.31	0.41	0.45	0
Sales general and administrative to revenue	0.31	0.3	0.35	0.35	0.37
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.03	0.03	0.04	0.04	0.04
Capex to operating cash flow	-0.06	-0.17	-0.25	-0.22	0
Capex to revenue	-0.04	-0.07	-0.1	-0.09	0
Capex to depreciation	-0.75	-1.37	-1.86	-1.85	0
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0
Graham number	20.56	20.83	17.99	18.16	15.49
ROIC	0.03	0.03	0.03	0.04	0.01
Return on tangible assets	0	0	0	0	0
Graham Net	-157.01	-160.38	-161.84	32.36	-165.21
Working capital	484.02M	560.73M	4.1B	4.07B	3.9B
Tangible asset value	1.85B	1.92B	2.12B	24.84B	2.19B
Net current asset value	-20.57B	-20.59B	-18.68B	3.75B	-19.74B
Invested capital	0.12	0.38	0.12	0.1	0.11
Average receivables	0	36.4M	36.4M	0	0
Average payables	0	0	0	0	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	27.57	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	3.26	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.03	0.03	0.02	0.02	0.02
Capex per share	-0.09	-0.15	-0.2	-0.18	0

UCBI Dividend History

UCBI Frequently Asked Questions

What is United Community Banks, Inc. stock symbol ?

United Community Banks, Inc. is a US stock , located in Blairsville of Ga and trading under the symbol UCBI

Is United Community Banks, Inc. buy or a sell ?

2 stock analysts have 2 predictions with a medium analyst target price of $32.5. The lowest prediction is $32 and the highest is $33

What is UCBI stock prediction ?

What is United Community Banks, Inc. stock quote today ?

United Community Banks, Inc. stock price is $24.741 today.

Is United Community Banks, Inc. stock public?

Yes, United Community Banks, Inc. is a publicly traded company.

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Company Profile

Volume Average 605.66K
Market Capitalization 2.92B
Employee 3.15K
CEO Mr. Herbert Lynn Harton
Headquarters Blairsville,GA,US
IPO Date 2002-03-21
Website https://www.ucbi.com

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.