27.83 USD
-0.93 (-3.23%)
27.83 USD
0 (0%)
UCBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. UCBI may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, UCBI is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- UCBI had positive earnings in the past year.
- In the past year UCBI had a positive cash flow from operations.
- UCBI had positive earnings in each of the past 5 years.
- Each year in the past 5 years UCBI had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of UCBI (0.66%) is worse than 64.02% of its industry peers.
- Looking at the Return On Equity, with a value of 5.49%, UCBI is doing worse than 76.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.49% | ||
| 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
1.3 Margins
- The Profit Margin of UCBI (20.36%) is worse than 62.03% of its industry peers.
- In the last couple of years the Profit Margin of UCBI has declined.
- UCBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.36% | ||
| 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
2. Health
2.1 Basic Checks
- UCBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
- UCBI has more shares outstanding than it did 1 year ago.
- The debt/assets ratio for UCBI has been reduced compared to a year ago.
2.2 Solvency
- UCBI has a debt to FCF ratio of 1.42. This is a very positive value and a sign of high solvency as it would only need 1.42 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 1.42, UCBI is doing good in the industry, outperforming 71.96% of the companies in the same industry.
- A Debt/Equity ratio of 0.10 indicates that UCBI is not too dependend on debt financing.
- UCBI has a Debt to Equity ratio of 0.10. This is in the better half of the industry: UCBI outperforms 76.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.42 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for UCBI have decreased strongly by -20.91% in the last year.
- The Earnings Per Share has been decreasing by -0.37% on average over the past years.
- The Revenue has been growing slightly by 0.35% in the past year.
- Measured over the past years, UCBI shows a quite strong growth in Revenue. The Revenue has been growing by 10.93% on average per year.
EPS 1Y (TTM)-20.91%
EPS 3Y2.49%
EPS 5Y-0.37%
EPS Q2Q%5.45%
Revenue 1Y (TTM)0.35%
Revenue growth 3Y10.73%
Revenue growth 5Y10.93%
Sales Q2Q%8.93%
3.2 Future
- UCBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.46% yearly.
- UCBI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.38% yearly.
EPS Next Y7.73%
EPS Next 2Y7.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.88%
Revenue Next 2Y4.38%
Revenue Next 3YN/A
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.38 indicates a correct valuation of UCBI.
- Based on the Price/Earnings ratio, UCBI is valued a bit more expensive than the industry average as 62.53% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, UCBI is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.42, the valuation of UCBI can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as UCBI.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, UCBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, UCBI is valued a bit more expensive than 66.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- UCBI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.73
PEG (5Y)N/A
EPS Next 2Y7.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- UCBI has a Yearly Dividend Yield of 3.31%.
- Compared to an average industry Dividend Yield of 2.87, UCBI has a dividend in line with its industry peers.
- UCBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
5.2 History
- The dividend of UCBI is nicely growing with an annual growth rate of 13.38%!
- UCBI has been paying a dividend for at least 10 years, so it has a reliable track record.
- UCBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.38%
Div Incr Years9
Div Non Decr Years9
5.3 Sustainability
- 63.77% of the earnings are spent on dividend by UCBI. This is not a sustainable payout ratio.
- The dividend of UCBI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP63.77%
EPS Next 2Y7.46%
EPS Next 3YN/A
27.83
-0.93 (-3.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2024-07-24/bmo
Earnings (Next)10-16 2024-10-16/amc
Inst Owners81.78%
Inst Owner Change0.09%
Ins Owners1.22%
Ins Owner Change0%
Market Cap3.32B
Revenue(TTM)893.25M
Net Income(TTM)181.31M
Analysts74.29
Price Target33.3 (19.66%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
Yearly Dividend0.99
Dividend Growth(5Y)13.38%
DP63.77%
Div Incr Years9
Div Non Decr Years9
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.19%
Min EPS beat(2)-0.72%
Max EPS beat(2)3.09%
EPS beat(4)1
Avg EPS beat(4)-2.9%
Min EPS beat(4)-11.89%
Max EPS beat(4)3.09%
EPS beat(8)1
Avg EPS beat(8)-5.85%
EPS beat(12)3
Avg EPS beat(12)-1.63%
EPS beat(16)6
Avg EPS beat(16)4.27%
Revenue beat(2)0
Avg Revenue beat(2)-16.35%
Min Revenue beat(2)-28.12%
Max Revenue beat(2)-4.57%
Revenue beat(4)0
Avg Revenue beat(4)-15.84%
Min Revenue beat(4)-28.12%
Max Revenue beat(4)-4.57%
Revenue beat(8)1
Avg Revenue beat(8)-8.88%
Revenue beat(12)3
Avg Revenue beat(12)-6.13%
Revenue beat(16)6
Avg Revenue beat(16)-4.25%
PT rev (1m)11.46%
PT rev (3m)11.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.51%
EPS NY rev (1m)5.33%
EPS NY rev (3m)3.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.8%
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)2.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 11.42 | ||
| P/S | 3.72 | ||
| P/FCF | 14.47 | ||
| P/OCF | 11.33 | ||
| P/B | 1 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.08
EY7.47%
EPS(NY)2.44
Fwd EY8.75%
FCF(TTM)1.92
FCFY6.91%
OCF(TTM)2.46
OCFY8.83%
SpS7.47
BVpS27.7
TBVpS19.41
PEG (NY)1.73
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.49% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.36% | ||
| GM | N/A | ||
| FCFM | 25.73% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.42 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 7.14% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 126.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.25%
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)-20.91%
EPS 3Y2.49%
EPS 5Y-0.37%
EPS Q2Q%5.45%
EPS Next Y7.73%
EPS Next 2Y7.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.35%
Revenue growth 3Y10.73%
Revenue growth 5Y10.93%
Sales Q2Q%8.93%
Revenue Next Year3.88%
Revenue Next 2Y4.38%
Revenue Next 3YN/A
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-53.61%
FCF growth 3Y16.47%
FCF growth 5Y-2.58%
OCF growth 1Y-44.26%
OCF growth 3Y22.81%
OCF growth 5Y1.72%
UNITED COMMUNITY BANKS/GA / UCBI FAQ
What is the ChartMill fundamental rating of UNITED COMMUNITY BANKS/GA (UCBI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to UCBI.
What is the valuation status of UNITED COMMUNITY BANKS/GA (UCBI) stock?
ChartMill assigns a valuation rating of 3 / 10 to UNITED COMMUNITY BANKS/GA (UCBI). This can be considered as Overvalued.
What is the profitability of UCBI stock?
UNITED COMMUNITY BANKS/GA (UCBI) has a profitability rating of 2 / 10.
What are the PE and PB ratios of UNITED COMMUNITY BANKS/GA (UCBI) stock?
The Price/Earnings (PE) ratio for UNITED COMMUNITY BANKS/GA (UCBI) is 13.38 and the Price/Book (PB) ratio is 1.
What is the financial health of UNITED COMMUNITY BANKS/GA (UCBI) stock?
The financial health rating of UNITED COMMUNITY BANKS/GA (UCBI) is 3 / 10.