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UNITED COMMUNITY BANKS/GA (UCBI) Stock Fundamental Analysis

NASDAQ:UCBI - Nasdaq - US90984P3038 - Common Stock - Currency: USD

27.83  -0.93 (-3.23%)

After market: 27.83 0 (0%)

Fundamental Rating

3

Overall UCBI gets a fundamental rating of 3 out of 10. We evaluated UCBI against 395 industry peers in the Banks industry. UCBI has a bad profitability rating. Also its financial health evaluation is rather negative. 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

UCBI had positive earnings in the past year.
In the past year UCBI had a positive cash flow from operations.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M

1.2 Ratios

UCBI has a worse Return On Assets (0.66%) than 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 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.
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 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.
Compared to 1 year ago, UCBI has more shares outstanding
Compared to 5 years ago, UCBI has more shares outstanding
Compared to 1 year ago, UCBI has an improved debt to assets ratio.
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.
The Debt to FCF ratio of UCBI (1.42) is better than 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 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.
The Revenue has been growing slightly by 0.35% in the past 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.
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.
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

UCBI is valuated correctly with a Price/Earnings ratio of 13.38.
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.
Compared to an average S&P500 Price/Earnings ratio of 27.45, UCBI is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.42, the valuation of UCBI can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as UCBI.
When comparing the Price/Forward Earnings ratio of UCBI to the average of the S&P500 Index (21.90), we can say UCBI is valued slightly cheaper.
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

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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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.31%, UCBI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.47, UCBI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.42, UCBI pays a bit more dividend than the S&P500 average.
Industry RankSector 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 paid a dividend for at least 10 years, which is a reliable track record.
UCBI has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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-0.87%
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%