UNITED COMMUNITY BANKS/GA (UCBI) Stock Fundamental Analysis
USA - NASDAQ:UCBI - US90984P3038 - Common Stock
27.83 USD
-0.93 (-3.23%)
27.83 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to UCBI. UCBI was compared to 390 industry peers in the Banks industry. UCBI has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
UCBI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UCBI's Return On Assets of 0.66% is on the low side compared to the rest of the industry. UCBI is outperformed by 64.02% of its industry peers.
UCBI's Return On Equity of 5.49% is on the low side compared to the rest of the industry. UCBI is outperformed by 76.43% of its industry peers.
| 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.
The Operating Margin and Gross Margin are not available for UCBI so they could not be analyzed.
| 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.
Compared to 1 year ago, UCBI has more shares outstanding
Compared to 5 years ago, UCBI has more shares outstanding
UCBI has a better debt/assets ratio than last year.
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.
UCBI has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of UCBI (0.10) is better than 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
UCBI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.91%.
Measured over the past years, UCBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.37% on average per year.
The Revenue has been growing slightly by 0.35% in the past year.
UCBI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.93% yearly.
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
Based on estimates for the next years, UCBI will show a small growth in Earnings Per Share. The EPS will grow by 7.46% on average per year.
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
The Price/Earnings ratio is 13.38, which indicates a correct valuation of UCBI.
Compared to the rest of the industry, the Price/Earnings ratio of UCBI indicates a slightly more expensive valuation: UCBI is more expensive than 62.53% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of UCBI to the average of the S&P500 Index (25.83), we can say UCBI is valued slightly cheaper.
With a Price/Forward Earnings ratio of 11.42, the valuation of UCBI can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UCBI is on the same level as its industry peers.
UCBI is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UCBI indicates a slightly more expensive valuation: UCBI is more expensive than 66.25% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.42, UCBI has a dividend in line with its industry peers.
UCBI's Dividend Yield is a higher than the S&P500 average which is at 2.39.
| 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 paid a dividend for at least 10 years, which is 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
UCBI pays out 63.77% of its income as dividend. 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)
Earnings (Next)
Inst Owners81.78%
Inst Owner Change-0.3%
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 for UCBI stock?
ChartMill assigns a valuation rating of 3 / 10 to UNITED COMMUNITY BANKS/GA (UCBI). This can be considered as Overvalued.
How profitable is UNITED COMMUNITY BANKS/GA (UCBI) stock?
UNITED COMMUNITY BANKS/GA (UCBI) has a profitability rating of 2 / 10.
What is the valuation of UNITED COMMUNITY BANKS/GA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for UNITED COMMUNITY BANKS/GA (UCBI) is 13.38 and the Price/Book (PB) ratio is 1.
Can you provide the expected EPS growth for UCBI stock?
The Earnings per Share (EPS) of UNITED COMMUNITY BANKS/GA (UCBI) is expected to grow by 7.73% in the next year.