United Community Banks, Inc.(UCBI) Stock Research - Grey Stern Research

United Community Banks, Inc. (UCBI) Stock Analysis

$27.83 (-3.23%)

UCBI Financial Performance


Use the table below to view United Community Banks, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q1 - 2024

Metric Value Ranking among Peers
Price $27.83 -
52 Week Low $21.63 -
52 Week High $31.96 -
Market Cap $3.3 Billion 5/23
Gross Margin 100% 1/23
Profit Margin 17% 10/23
EBITDA margin 1% 8/23
Q1 - 2024 Revenue $383.5 Million 3/23
Q1 - 2024 Earnings $66.2 Million 3/23
Q1 - 2024 Free Cash Flow $0 Million 8/23
Trailing 4 Quarters Revenue $989.1 Million 5/23
Trailing 4 Quarters Earnings $176.4 Million 6/23
Quarterly Earnings Growth 5% 9/23
Annual Earnings Growth -29% 17/23
Quarterly Revenue Growth 66% 7/23
Annual Revenue Growth 5% 19/23
Cash On Hand $198.2 Million 19/23
Short Term Debt $0 11/23
Long Term Debt $324.9 Million 8/23

United Community Banks, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare United Community Banks, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 18.80 7/23
PS 3.35 7/23
PB 0.99 9/23
PC -16.73 21/23
Liabilities to Equity 7.09 13/23
ROA 0.01 2/23
ROE 0.05 18/23
Current Ratio 1.14 7/23
Quick Ratio -0.01 7/23
Long Term Debt to Equity 0.10 18/23
Debt to Equity 0.10 20/23
Burn Rate 3.72 5/23
Cash to Cap -0.06 12/23
CCR 14/23
EV to EBITDA 1120.77 10/23
EV to Revenue 3.88 11/23

Company Details

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.

CEO: Mr. H. Lynn Harton

Website: https://www.ucbi.com

Address: 59 Highway 515, PO Box 398 Blairsville, GEORGIA

Exchange: NASDAQ Global Select

Industry: Banks—Regional

United Community Banks, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to United Community Banks, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Home Bancshares, Inc. (Conway, AR) HOMB $5.2 Billion
Pinnacle Financial Partners, Inc. PNFP $7.2 Billion
First Financial Bancorp. FFBC $2.3 Billion
ServisFirst Bancshares, Inc. SFBS $4.2 Billion
Univest Financial Corporation UVSP $783.5 Million
Luther Burbank Corporation LBC $466.8 Million
SouthState Corporation SSB $7.2 Billion
Waterstone Financial, Inc. WSBF $281.5 Million
Independent Bank Corporation IBCP $657.8 Million
The First Bancshares, Inc. FBMS $966.7 Million
Investar Holding Corporation ISTR $184.0 Million
S&T Bancorp, Inc. STBA $1.5 Billion
Republic Bancorp, Inc. RBCAA $1.1 Billion
SmartFinancial, Inc. SMBK $480.5 Million
Southern First Bancshares, Inc. SFST $271.2 Million
Colony Bankcorp, Inc. CBAN $262.8 Million
CNB Financial Corporation CCNE $475.0 Million
Community West Bancshares CWBC $350.0 Million
Home Bancorp, Inc. HBCP $332.4 Million
Magyar Bancorp, Inc. MGYR $80.6 Million
Mid Penn Bancorp, Inc. MPB $480.2 Million
Plumas Bancorp PLBC $230.2 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
UCBI Income Statements
Quarter Year Revenue Earnings
Q2 2024 $ 383.5 Million $66.2 Million
Q1 2024 $ 376.3 Million $62.3 Million
Q4 2023 $ 0 $0
Q3 2023 $ 229.3 Million $47.9 Million
Q2 2023 $ 231.5 Million $63.3 Million
Q1 2023 $ 235.9 Million $62.3 Million
Q4 2022 $ 237.7 Million $81.5 Million
Q3 2022 $ 216.3 Million $79.0 Million

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UCBI Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q2 2024 $198.2 Million $27.1 Billion $324.9 Million $3.3 Billion
Q1 2024 $203.9 Million $27.4 Billion $324.9 Million $3.3 Billion
Q4 2023 $200.8 Million $27.3 Billion $324.8 Million $3.3 Billion
Q3 2023 $759.5 Million $26.9 Billion $362.1 Million $3.2 Billion
Q2 2023 $710.7 Million $26.1 Billion $324.8 Million $3.1 Billion
Q1 2023 $777.7 Million $25.9 Billion $361.9 Million $3.1 Billion
Q4 2022 $511.9 Million $24.0 Billion $1.0 Billion $2.7 Billion
Q3 2022 $439.0 Million $23.7 Billion $324.5 Million $2.6 Billion

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UCBI Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q1 2024 $80.2 Million -$13.7 Million -$41.9 Million
Q4 2023 $8.1 Million $0 $8.1 Million
Q3 2023 $0 $0 $0
Q2 2023 $73.7 Million -$21.2 Million -$66.9 Million
Q1 2023 $67.5 Million -$22.6 Million $130.8 Million
Q4 2022 $82.5 Million -$16.4 Million $162.8 Million
Q3 2022 $161.0 Million $0 -$731.7 Million
Q2 2022 $146.9 Million $0 -$691.0 Million

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