Logo image of UCB

UNITED COMMUNITY BANKS/GA (UCB) Stock Fundamental Analysis

NYSE:UCB - New York Stock Exchange, Inc. - US90984P3038 - Common Stock

33.355  +0.1 (+0.32%)

Fundamental Rating

3

Overall UCB gets a fundamental rating of 3 out of 10. We evaluated UCB against 405 industry peers in the Banks industry. UCB has a bad profitability rating. Also its financial health evaluation is rather negative. UCB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year UCB was profitable.
UCB had a positive operating cash flow in the past year.
UCB had positive earnings in each of the past 5 years.
UCB had a positive operating cash flow in each of the past 5 years.
UCB Yearly Net Income VS EBIT VS OCF VS FCFUCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

1.2 Ratios

The Return On Assets of UCB (0.67%) is comparable to the rest of the industry.
With a Return On Equity value of 5.39%, UCB is not doing good in the industry: 70.60% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.67%
ROE 5.39%
ROIC N/A
ROA(3y)1.01%
ROA(5y)1.07%
ROE(3y)9.09%
ROE(5y)9.29%
ROIC(3y)N/A
ROIC(5y)N/A
UCB Yearly ROA, ROE, ROICUCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 20.81%, UCB perfoms like the industry average, outperforming 41.96% of the companies in the same industry.
In the last couple of years the Profit Margin of UCB has declined.
The Operating Margin and Gross Margin are not available for UCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.79%
PM growth 5Y-8.17%
GM growth 3YN/A
GM growth 5YN/A
UCB Yearly Profit, Operating, Gross MarginsUCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

More info and screens

3

2. Health

2.1 Basic Checks

UCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, UCB has more shares outstanding
Compared to 5 years ago, UCB has more shares outstanding
The debt/assets ratio for UCB has been reduced compared to a year ago.
UCB Yearly Shares OutstandingUCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
UCB Yearly Total Debt VS Total AssetsUCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B 25B

2.2 Solvency

The Debt to FCF ratio of UCB is 1.88, which is an excellent value as it means it would take UCB, only 1.88 years of fcf income to pay off all of its debts.
UCB has a Debt to FCF ratio of 1.88. This is in the better half of the industry: UCB outperforms 61.81% of its industry peers.
UCB has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.09, UCB is in the better half of the industry, outperforming 75.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.88
Altman-Z N/A
ROIC/WACCN/A
WACC8.89%
UCB Yearly LT Debt VS Equity VS FCFUCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UCB Yearly Current Assets VS Current LiabilitesUCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

More info and screens

3

3. Growth

3.1 Past

The earnings per share for UCB have decreased by -5.58% in the last year.
Measured over the past years, UCB shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.37% on average per year.
The Revenue has decreased by -7.81% in the past year.
Measured over the past years, UCB shows a quite strong growth in Revenue. The Revenue has been growing by 10.93% on average per year.
EPS 1Y (TTM)-5.58%
EPS 3Y2.49%
EPS 5Y-0.37%
EPS Q2Q%26.67%
Revenue 1Y (TTM)-7.81%
Revenue growth 3Y10.73%
Revenue growth 5Y10.93%
Sales Q2Q%-11.62%

3.2 Future

Based on estimates for the next years, UCB will show a small growth in Earnings Per Share. The EPS will grow by 6.85% on average per year.
UCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.95% yearly.
EPS Next Y7.2%
EPS Next 2Y5.15%
EPS Next 3Y6.85%
EPS Next 5YN/A
Revenue Next Year3.16%
Revenue Next 2Y3.74%
Revenue Next 3Y4.95%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
UCB Yearly Revenue VS EstimatesUCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
UCB Yearly EPS VS EstimatesUCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 15.16, the valuation of UCB can be described as correct.
63.07% of the companies in the same industry are cheaper than UCB, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.29. UCB is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 14.30, which indicates a correct valuation of UCB.
UCB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. UCB is more expensive than 65.33% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.44. UCB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 15.16
Fwd PE 14.3
UCB Price Earnings VS Forward Price EarningsUCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

UCB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. UCB is more expensive than 72.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.6
EV/EBITDA N/A
UCB Per share dataUCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UCB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.11
PEG (5Y)N/A
EPS Next 2Y5.15%
EPS Next 3Y6.85%

More info and screens

4

5. Dividend

5.1 Amount

UCB has a Yearly Dividend Yield of 3.00%.
Compared to an average industry Dividend Yield of 3.22, UCB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, UCB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3%

5.2 History

The dividend of UCB is nicely growing with an annual growth rate of 13.38%!
UCB has been paying a dividend for over 5 years, so it has already some track record.
UCB has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.38%
Div Incr Years4
Div Non Decr Years4
UCB Yearly Dividends per shareUCB Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

UCB pays out 63.93% of its income as dividend. This is not a sustainable payout ratio.
The dividend of UCB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP63.93%
EPS Next 2Y5.15%
EPS Next 3Y6.85%
UCB Yearly Income VS Free CF VS DividendUCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M
UCB Dividend Payout.UCB Dividend Payout, showing the Payout Ratio.UCB Dividend Payout.PayoutRetained Earnings

More info and screens

UNITED COMMUNITY BANKS/GA

NYSE:UCB (1/22/2025, 10:22:44 AM)

33.355

+0.1 (+0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2024-10-23/bmo
Earnings (Next)01-22 2025-01-22/bmo
Inst Owners82.99%
Inst Owner ChangeN/A
Ins Owners0.52%
Ins Owner Change-6.21%
Market Cap3.98B
Analysts72.73
Price Target32.68 (-2.02%)
Short Float %3.45%
Short Ratio5.94
Dividend
Industry RankSector Rank
Dividend Yield 3%
Yearly Dividend0.99
Dividend Growth(5Y)13.38%
DP63.93%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)5.24%
Min EPS beat(2)-2.15%
Max EPS beat(2)12.63%
EPS beat(4)3
Avg EPS beat(4)3.71%
Min EPS beat(4)-2.15%
Max EPS beat(4)12.63%
EPS beat(8)3
Avg EPS beat(8)-3%
EPS beat(12)3
Avg EPS beat(12)-3.17%
EPS beat(16)7
Avg EPS beat(16)2.63%
Revenue beat(2)0
Avg Revenue beat(2)-9.28%
Min Revenue beat(2)-15.11%
Max Revenue beat(2)-3.45%
Revenue beat(4)0
Avg Revenue beat(4)-10.8%
Min Revenue beat(4)-21.01%
Max Revenue beat(4)-3.45%
Revenue beat(8)1
Avg Revenue beat(8)-6.76%
Revenue beat(12)2
Avg Revenue beat(12)-4.87%
Revenue beat(16)5
Avg Revenue beat(16)-3.27%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)1.3%
EPS NQ rev (3m)1.3%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)-0.41%
Revenue NQ rev (1m)-2.08%
Revenue NQ rev (3m)-2.08%
Revenue NY rev (1m)-0.71%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 15.16
Fwd PE 14.3
P/S 4.51
P/FCF 23.6
P/OCF 17.81
P/B 1.17
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)2.2
EY6.6%
EPS(NY)2.33
Fwd EY6.99%
FCF(TTM)1.41
FCFY4.24%
OCF(TTM)1.87
OCFY5.61%
SpS7.39
BVpS28.56
TBVpS20.38
PEG (NY)2.11
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.67%
ROE 5.39%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.81%
GM N/A
FCFM 19.13%
ROA(3y)1.01%
ROA(5y)1.07%
ROE(3y)9.09%
ROE(5y)9.29%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.79%
PM growth 5Y-8.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 1.88
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 6.21%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 91.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.89%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.55%
Cap/Sales(5y)4.62%
Profit Quality(3y)153.22%
Profit Quality(5y)123.96%
High Growth Momentum
Growth
EPS 1Y (TTM)-5.58%
EPS 3Y2.49%
EPS 5Y-0.37%
EPS Q2Q%26.67%
EPS Next Y7.2%
EPS Next 2Y5.15%
EPS Next 3Y6.85%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.81%
Revenue growth 3Y10.73%
Revenue growth 5Y10.93%
Sales Q2Q%-11.62%
Revenue Next Year3.16%
Revenue Next 2Y3.74%
Revenue Next 3Y4.95%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-69.44%
FCF growth 3Y16.47%
FCF growth 5Y-2.58%
OCF growth 1Y-61.8%
OCF growth 3Y22.81%
OCF growth 5Y1.72%