United Community Banks Inc
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- Market Cap.:
- $3.04 billion
- Book Value:
- Revenue TTM:
- $873.53 million
- Operating Margin TTM:
- Gross Profit TTM:
- $826.15 million
- Profit Margin:
- Return on Assets TTM:
- Return on Equity TTM:
United Community Banks Inc had its IPO on 2002-03-18 under the ticker symbol UCBI.
The company operates in the Financial Services sector and Banks-Regional industry. United Community Banks Inc has a staff strength of 3,064 employees.
Shares of United Community Banks Inc opened at $25.64 at the start of the last trading session i.e. 2023-09-12.
The stocks traded within a range of $25.46 - $25.98, and closed at $25.81.
This is a +0.9% increase from the previous day's closing price.
A total volume of 302,458 shares were traded at the close of the day’s session.
In the last one week, shares of United Community Banks Inc have slipped by -6.45%.
United Community Banks Inc's Key Ratios
United Community Banks Inc has a market cap of $3.04 billion, indicating a price to book ratio of 1.3929 and a price to sales ratio of 4.4631.
In the last 12-months United Community Banks Inc’s revenue was $873.53 million with a gross profit of $826.15 million and an EBITDA of $0. The EBITDA ratio measures United Community Banks Inc's overall financial performance and is widely used to measure its profitability.
In the trailing 12-month period, United Community Banks Inc’s operating margin was 47% while its return on assets stood at 1.15% with a return of equity of 10.01%.
In Q2, United Community Banks Inc’s quarterly earnings growth was a negative -12.9% while revenue growth was a positive 3.5%.
United Community Banks Inc’s PE and PEG Ratio
- Forward PE
- Trailing PE
Its diluted EPS in the last 12-months stands at $2.53 per share while it has a forward price to earnings multiple of 10.0908 and a PEG multiple of 17.42. A low price to earnings ratio can mean the stock is attractively valued while a high ratio suggests the stock may be overvalued.
The PEG on the other hand provides a broader view compared to the P/E ratio and gives greater insight into United Community Banks Inc’s profitability.
United Community Banks Inc stock is trading at a EV to sales ratio of 0 and a EV to EBITDA ratio of 0. Its price to sales ratio in the trailing 12-months stood at 4.4631.
United Community Banks Inc stock pays annual dividends of $0.9 per share, indicating a yield of 3.6% and a payout ratio of 34.6%.
Balance sheet and cash flow metrics
- Total Assets
- $26.12 billion
- Total Liabilities
- $22.69 billion
- Operating Cash Flow
- Capital Expenditure
- $21.21 million
- Dividend Payout Ratio
United Community Banks Inc ended 2023 with $26.12 billion in total assets and $0 in total liabilities. Its intangible assets were valued at $26.12 billion while shareholder equity stood at $3.11 billion.
United Community Banks Inc ended 2023 with $0 in deferred long-term liabilities, $22.69 billion in other current liabilities, 115266000.00 in common stock, $577.32 million in retained earnings and $896.72 million in goodwill. Its cash balance stood at $710.74 million and cash and short-term investments were $4.07 billion. The company’s total short-term debt was $0 while long-term debt stood at $324.75 million.
United Community Banks Inc’s total current assets stands at $4.07 billion while long-term investments were $5.91 billion and short-term investments were $3.36 billion. Its net receivables were $0 compared to accounts payable of $437.86 million and inventory worth $0.
In 2023, United Community Banks Inc's operating cash flow was $-344760000.00 while its capital expenditure stood at $21.21 million.
Comparatively, United Community Banks Inc paid $0.35 in dividends in 2023.
Other key metrics
- Current Trading Price
- 52-Week High
- 52-Week Low
- Analyst Target Price
United Community Banks Inc stock is currently trading at $25.81 per share. It touched a 52-week high of $38.5841 and a 52-week low of $38.5841. Analysts tracking the stock have a 12-month average target price of $30.86.
Its 50-day moving average was $27.55 and 200-day moving average was $28.68 The short ratio stood at 8.03 indicating a short percent outstanding of 0%.
Around 55.5% of the company’s stock are held by insiders while 8238.2% are held by institutions.
Frequently Asked Questions About United Community Banks Inc
Similar Industry Stocks (Banks-Regional)
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. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company 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, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company 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, it 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. The company was founded in 1950 and is headquartered in Blairsville, Georgia.