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UNITED COMMUNITY BANKS/GA (UCBI) Stock Fundamental Analysis

USA - NASDAQ:UCBI - US90984P3038 - Common Stock

27.83 USD
-0.93 (-3.23%)
Last: 8/5/2024, 8:13:50 PM
27.83 USD
0 (0%)
After Hours: 8/5/2024, 8:13:50 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to UCBI. UCBI was compared to 391 industry peers in the Banks industry. Both the profitability and financial health of UCBI have multiple concerns. While showing a medium growth rate, UCBI is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

1.2 Ratios

With a Return On Assets value of 0.66%, UCBI is not doing good in the industry: 64.02% of the companies in the same industry are doing better.
With a Return On Equity value of 5.49%, UCBI is not doing good in the industry: 76.43% of the companies in the same industry are doing better.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

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.
UCBI's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for UCBI so they could not be analyzed.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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3

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
The debt/assets ratio for UCBI has been reduced compared to a year ago.
UCBI Yearly Shares OutstandingUCBI Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 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.
UCBI has a Debt to FCF ratio of 1.42. This is in the better half 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.
UCBI's Debt to Equity ratio of 0.10 is fine compared to the rest of the industry. UCBI outperforms 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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4

3. Growth

3.1 Past

The earnings per share for UCBI have decreased strongly by -20.91% in the last year.
UCBI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.37% yearly.
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

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.
UCBI Yearly Revenue VS EstimatesUCBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.38, the valuation of UCBI can be described as correct.
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 (27.40), we can say UCBI is valued rather cheaply.
A Price/Forward Earnings ratio of 11.42 indicates a reasonable valuation of UCBI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UCBI is on the same level as its industry peers.
UCBI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.94.
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

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 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

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

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5

5. Dividend

5.1 Amount

UCBI has a Yearly Dividend Yield of 3.31%.
UCBI's Dividend Yield is comparable with the industry average which is at 3.63.
UCBI's Dividend Yield is a higher than the S&P500 average which is at 2.36.
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 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
UCBI Yearly Dividends per shareUCBI Yearly Dividends per shareYearly Dividends per share 2015 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.
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
UCBI Yearly Income VS Free CF VS DividendUCBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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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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 2024-07-24/bmo
Earnings (Next)10-16 2024-10-16/amc
Inst Owners81.78%
Inst Owner Change-0.03%
Ins Owners1.22%
Ins Owner Change0%
Market Cap3.32B
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
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
ROICexcg growth 3YN/A
ROICexcg 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%