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XNYSUCB
Market cap3.71bUSD
Jan 10, Last price  
29.84USD
1D
-1.05%
1Q
12.84%
Jan 2017
5.06%
Name

United Community Banks Inc

Chart & Performance

D1W1MN
XNYS:UCB chart
P/E
18.96
P/S
2.71
EPS
1.57
Div Yield, %
3.14%
Shrs. gr., 5y
8.13%
Rev. gr., 5y
19.81%
Revenues
1.31b
+51.20%
202,526,000255,904,000285,107,000335,253,000289,584,000301,883,000289,599,000281,870,000284,180,000274,756,000278,435,000329,952,000403,481,000444,245,000531,711,000574,107,000639,362,000686,512,000868,131,0001,312,590,000
Net income
188m
-32.41%
46,591,00056,742,00068,815,00057,993,000-63,450,000-228,327,000-345,635,000-226,746,00037,856,000273,140,00067,620,00071,578,000100,656,00067,821,000166,111,000185,721,000164,089,000269,801,000277,472,000187,544,000
CFO
294m
-51.59%
34,007,000104,345,00050,647,000105,413,000121,312,000139,561,000150,948,000185,453,000183,078,000191,652,000101,896,000111,944,000138,725,000207,962,000270,006,000153,933,000158,681,000359,320,000607,307,000293,971,000
Dividend
May 31, 20240.23 USD/sh
Earnings
Jan 22, 2025

Profile

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.
IPO date
May 16, 2001
Employees
3,064
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
1,312,590
51.20%
868,131
26.46%
Cost of revenue
355,386
294,483
Unusual Expense (Income)
NOPBT
957,204
573,648
NOPBT Margin
72.92%
66.08%
Operating Taxes
45,001
78,530
Tax Rate
4.70%
13.69%
NOPAT
912,203
495,118
Net income
187,544
-32.41%
277,472
2.84%
Dividends
(111,720)
(93,758)
Dividend yield
3.24%
2.60%
Proceeds from repurchase of equity
3,208,875
BB yield
-93.14%
Debt
Debt current
158,933
Long-term debt
357,554
904,635
Deferred revenue
(87,477)
(70,088)
Other long-term liabilities
(324,823)
20,274,614
Net debt
(328,119)
(9,290,599)
Cash flow
Cash from operating activities
293,971
607,307
CAPEX
(72,485)
(42,704)
Cash from investing activities
(163,289)
(2,020,181)
Cash from financing activities
226,340
(258,783)
FCF
(372,418)
(3,935,899)
Balance
Cash
(200,781)
4,126,186
Long term investments
886,454
6,227,981
Excess cash
620,044
10,310,760
Stockholders' equity
562,413
382,001
Invested Capital
26,647,361
23,556,795
ROIC
3.63%
3.02%
ROCE
3.51%
2.39%
EV
Common stock shares outstanding
117,745
106,778
Price
29.26
-13.43%
33.80
-5.95%
Market cap
3,445,219
-4.54%
3,609,096
13.99%
EV
3,205,366
(5,585,081)
EBITDA
972,379
620,348
EV/EBITDA
3.30
Interest
23,768
60,798
Interest/NOPBT
2.48%
10.60%