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 387 industry peers in the Banks industry. UCBI has a bad profitability rating. Also its financial health evaluation is rather negative. UCBI is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year UCBI was profitable.
UCBI had a positive operating cash flow in the past year.
In the past 5 years UCBI has always been profitable.
In the past 5 years UCBI always reported a positive cash flow from operatings.
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.
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
UCBI has a worse Profit Margin (20.36%) 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 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
UCBI has more shares outstanding than it did 5 years ago.
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.
UCBI's Debt to FCF ratio of 1.42 is fine compared to the rest of the industry. UCBI outperforms 71.96% of its industry peers.
UCBI has a Debt/Equity ratio of 0.10. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.10, UCBI is doing good in the industry, outperforming 76.18% of the companies in the same industry.
| 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%.
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.
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
UCBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.46% yearly.
The Revenue is expected to grow by 4.38% on average over the next years.
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
With a Price/Earnings ratio of 13.38, UCBI is valued correctly.
UCBI's Price/Earnings ratio is a bit more expensive when compared to the industry. UCBI is more expensive than 62.53% of the companies in the same industry.
UCBI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.15.
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.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, 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 the industry average as 66.25% of the companies are valued more cheaply.
| 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%. Purely for dividend investing, there may be better candidates out there.
UCBI's Dividend Yield is comparable with the industry average which is at 3.33.
Compared to an average S&P500 Dividend Yield of 2.41, UCBI pays a bit more dividend than the S&P500 average.
| 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.
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.