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NASDAQ: UCBI
United Community Banks Inc Stock

$26.33+0.15 (+0.57%)
Updated Apr 24, 2024
UCBI Price
$26.33
Fair Value Price
N/A
Market Cap
$3.14B
52 Week Low
$20.37
52 Week High
$30.75
P/E
17.1x
P/B
0.96x
P/S
4.28x
PEG
N/A
Dividend Yield
3.49%
Revenue
$803.82M
Earnings
$180.85M
Gross Margin
100%
Operating Margin
28.1%
Profit Margin
22.5%
Debt to Equity
7.37
Operating Cash Flow
$294M
Beta
1.18
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

UCBI Overview

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.

Zen Score

Industry Average (33)
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Due Diligence Checks

UCBI was unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
UCBI is good value based on its earnings relative to its share price (17.1x), compared to the US market average (41.27x)
P/E vs Market Valuation
UCBI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more UCBI due diligence checks available for Premium users.

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UCBI News

Valuation

UCBI fair value

Fair Value of UCBI stock based on Discounted Cash Flow (DCF)
Price
$26.33
Fair Value
$35.51
Undervalued by
25.85%
UCBI was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

UCBI price to earnings (PE)

For valuing profitable companies with steady earnings
Company
17.1x
Industry
-10.44x
Market
41.27x
UCBI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
UCBI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

UCBI price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
0.96x
Industry
0.99x
UCBI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

UCBI's financial health

Profit margin

Revenue
$165.7M
Net Income
$12.6M
Profit Margin
7.6%
UCBI's Earnings (EBIT) of $225.85M... subscribe to Premium to read more.
Interest Coverage Financials
UCBI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$27.3B
Liabilities
$24.0B
Debt to equity
7.37
UCBI's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
UCBI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$21.8M
Investing
-$160.9M
Financing
$383.5M
UCBI's operating cash flow ($293.97M)... subscribe to Premium to read more.
Debt Coverage Financials

UCBI vs Bank Stocks

TickerMarket Cap1d %P/EP/B
UCBI$3.14B+0.57%17.10x0.96x
BMA$3.13B-5.93%16.71x1.33x
ASB$3.22B+0.33%18.72x0.81x
BANF$3.02B-0.86%14.20x2.10x
AX$3.01B+2.09%7.70x1.45x

United Community Banks Stock FAQ

What is United Community Banks's quote symbol?

(NASDAQ: UCBI) United Community Banks trades on the NASDAQ under the ticker symbol UCBI. United Community Banks stock quotes can also be displayed as NASDAQ: UCBI.

If you're new to stock investing, here's how to buy United Community Banks stock.

What is the 52 week high and low for United Community Banks (NASDAQ: UCBI)?

(NASDAQ: UCBI) United Community Banks's 52-week high was $30.75, and its 52-week low was $20.37. It is currently -14.37% from its 52-week high and 29.26% from its 52-week low.

How much is United Community Banks stock worth today?

(NASDAQ: UCBI) United Community Banks currently has 119,080,859 outstanding shares. With United Community Banks stock trading at $26.33 per share, the total value of United Community Banks stock (market capitalization) is $3.14B.

United Community Banks stock was originally listed at a price of $78.33 in Mar 21, 2002. If you had invested in United Community Banks stock at $78.33, your return over the last 22 years would have been -66.39%, for an annualized return of -4.83% (not including any dividends or dividend reinvestments).

How much is United Community Banks's stock price per share?

(NASDAQ: UCBI) United Community Banks stock price per share is $26.33 today (as of Apr 24, 2024).

What is United Community Banks's Market Cap?

(NASDAQ: UCBI) United Community Banks's market cap is $3.14B, as of Apr 25, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

United Community Banks's market cap is calculated by multiplying UCBI's current stock price of $26.33 by UCBI's total outstanding shares of 119,080,859.
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