UNITED COMMUNITY BANKS/GA (UCBI) Fundamental Analysis & Valuation

NASDAQ:UCBI • US90984P3038

27.83 USD
-0.93 (-3.23%)
At close: Aug 5, 2024
27.83 USD
0 (0%)
After Hours: 8/5/2024, 8:13:50 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This UCBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

UCBI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. Both the profitability and financial health of UCBI have multiple concerns. UCBI is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. UCBI Profitability Analysis

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.
  • Each year in the past 5 years UCBI had a positive operating cash flow.
UCBI Yearly Net Income VS EBIT VS OCF VS FCFUCBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

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.
  • The Return On Equity of UCBI (5.49%) is worse than 76.43% of its industry peers.
Industry RankSector 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
UCBI Yearly ROA, ROE, ROICUCBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

  • The Profit Margin of UCBI (20.36%) is worse than 62.03% of its industry peers.
  • UCBI's Profit Margin has declined in the last couple of years.
  • UCBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
UCBI Yearly Profit, Operating, Gross MarginsUCBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. UCBI Health Analysis

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.
  • The debt/assets ratio for UCBI has been reduced compared to a year ago.
UCBI Yearly Shares OutstandingUCBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M 80M 100M
UCBI Yearly Total Debt VS Total AssetsUCBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B 20B 25B

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.
  • Looking at the Debt to FCF ratio, with a value of 1.42, UCBI is in the better half of 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 better Debt to Equity ratio (0.10) than 76.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.1
Debt/FCF 1.42
Altman-Z N/A
ROIC/WACCN/A
WACC8.25%
UCBI Yearly LT Debt VS Equity VS FCFUCBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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
UCBI Yearly Current Assets VS Current LiabilitesUCBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. UCBI Growth Analysis

3.1 Past

  • UCBI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.91%.
  • The Earnings Per Share has been decreasing by -0.37% on average over the past years.
  • Looking at the last year, UCBI shows a small growth in Revenue. The Revenue has grown by 0.35% in the last 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

  • 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.
  • Based on estimates for the next years, UCBI will show a small growth in Revenue. The Revenue will grow by 4.38% on average per year.
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.
  • 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.
UCBI Yearly Revenue VS EstimatesUCBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
UCBI Yearly EPS VS EstimatesUCBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

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3

4. UCBI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.38, the valuation of UCBI can be described as correct.
  • 62.53% of the companies in the same industry are cheaper than UCBI, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of UCBI to the average of the S&P500 Index (26.45), 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.
  • UCBI's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.65, UCBI is valued rather cheaply.
Industry RankSector Rank
PE 13.38
Fwd PE 11.42
UCBI Price Earnings VS Forward Price EarningsUCBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, UCBI is valued a bit more expensive than the industry average as 66.25% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 14.47
EV/EBITDA N/A
UCBI Per share dataUCBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. UCBI Dividend Analysis

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 2.86, UCBI has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, UCBI pays a better dividend.
Industry RankSector 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 been paying a dividend for at least 10 years, so it has 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
UCBI Yearly Dividends per shareUCBI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8

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
UCBI Yearly Income VS Free CF VS DividendUCBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M
UCBI Dividend Payout.UCBI Dividend Payout, showing the Payout Ratio.UCBI Dividend Payout.PayoutRetained Earnings

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UCBI Fundamentals: All Metrics, Ratios and Statistics

UNITED COMMUNITY BANKS/GA

NASDAQ:UCBI (8/5/2024, 8:13:50 PM)

After market: 27.83 0 (0%)

27.83

-0.93 (-3.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24
Earnings (Next)10-16
Inst Owners81.78%
Inst Owner Change0.07%
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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.