UNITED COMMUNITY BANKS/GA (UCBI)
US90984P3038 - Common Stock
We assign a fundamental rating of 3 out of 10 to UCBI. UCBI was compared to 412 industry peers in the Banks industry. UCBI may be in some trouble as it scores bad on both profitability and health. 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.
In the past year UCBI had a positive cash flow from operations.
UCBI had positive earnings in each of the past 5 years.
In the past 5 years UCBI always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.66%, UCBI is not doing good in the industry: 69.42% of the companies in the same industry are doing better.
UCBI has a worse Return On Equity (5.54%) than 79.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.54% | ||
| 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's Profit Margin of 20.24% is on the low side compared to the rest of the industry. UCBI is outperformed by 65.05% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.24% | ||
| 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.
The number of shares outstanding for UCBI has been increased compared to 1 year ago.
The number of shares outstanding for UCBI has been increased compared to 5 years ago.
Compared to 1 year ago, UCBI has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UCBI is 1.47, which is an excellent value as it means it would take UCBI, only 1.47 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.47, UCBI is in the better half of the industry, outperforming 68.69% of the companies in the same industry.
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 75.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | 1.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.52%
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 -20.68%.
Measured over the past years, UCBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.37% on average per year.
Looking at the last year, UCBI shows a small growth in Revenue. The Revenue has grown by 0.36% 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)-20.68%
EPS 3Y2.49%
EPS 5Y-0.37%
EPS growth Q2Q-29.33%
Revenue 1Y (TTM)0.36%
Revenue growth 3Y10.73%
Revenue growth 5Y10.93%
Revenue growth Q2Q-25.87%
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 7.17% on average per year.
Based on estimates for the next years, UCBI will show a small growth in Revenue. The Revenue will grow by 4.04% on average per year.
EPS Next Y3.89%
EPS Next 2Y7.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.8%
Revenue Next 2Y4.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.97, the valuation of UCBI can be described as reasonable.
Based on the Price/Earnings ratio, UCBI is valued a bit more expensive than the industry average as 68.69% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 24.76. UCBI is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.52 indicates a reasonable valuation of UCBI.
The rest of the industry has a similar Price/Forward Earnings ratio as UCBI.
UCBI's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 11.52 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UCBI is valued a bit more expensive than the industry average as 70.87% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates UCBI does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.08
PEG (5Y)N/A
EPS Next 2Y7.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
UCBI has a Yearly Dividend Yield of 3.69%.
UCBI's Dividend Yield is comparable with the industry average which is at 3.92.
UCBI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
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.
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
UCBI pays out 61.79% of its income as dividend. 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.
DP61.79%
EPS Next 2Y7.17%
EPS Next 3YN/A
UNITED COMMUNITY BANKS/GA
NASDAQ:UCBI (4/19/2024, 3:30:02 PM)
After market: 25.25 0 (0%)25.25
+0.55 (+2.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.01B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 11.52 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)3.08
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 5.54% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 20.24% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.1 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-20.68%
EPS 3Y2.49%
EPS 5Y
EPS growth Q2Q
EPS Next Y3.89%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.36%
Revenue growth 3Y10.73%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y