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%)
UCBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. Both the profitability and financial health of UCBI have multiple concerns. UCBI is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
UCBI had positive earnings in the past year.
UCBI had a positive operating cash flow in the past year.
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
Looking at the Return On Assets, with a value of 0.66%, UCBI is doing worse than 64.02% of the companies in the same industry.
The Return On Equity of UCBI (5.49%) is worse than 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
With a Profit Margin value of 20.36%, UCBI is not doing good in the industry: 62.03% of the companies in the same industry are doing better.
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.
The number of shares outstanding for UCBI has been increased compared to 1 year ago.
Compared to 5 years ago, UCBI has more shares outstanding
UCBI has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UCBI is 1.42, which is an excellent value as it means it would take UCBI, only 1.42 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UCBI (1.42) is better than 71.96% of its industry peers.
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.
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.
Looking at the last year, UCBI shows a small growth in Revenue. The Revenue has grown by 0.35% in the last year.
The Revenue has been growing by 10.93% on average over the past years. This is quite good.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.38, which indicates a correct valuation of UCBI.
Based on the Price/Earnings ratio, UCBI is valued a bit more expensive than 62.53% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.89, UCBI is valued a bit cheaper.
A Price/Forward Earnings ratio of 11.42 indicates a reasonable valuation of UCBI.
UCBI's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, UCBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
66.25% of the companies in the same industry are cheaper than UCBI, based on the Price/Free Cash Flow ratio.
| 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.
UCBI's Dividend Yield is comparable with the industry average which is at 3.39.
UCBI's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.31% |
5.2 History
On average, the dividend of UCBI grows each year by 13.38%, which is quite nice.
UCBI has paid a dividend for at least 10 years, which is a reliable track record.
As UCBI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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.
UCBI's earnings are growing slower than its dividend. 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-0.24%
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.