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United Community Banks (UCB)
:UCB
Total Valuation
United Community Banks has a market cap or net worth of $3.39B. The enterprise value is $3.97B.
Market Cap$3.39B
Enterprise Value$3.97B
Share Statistics
United Community Banks has 121,499,280 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding121,499,280
Owned by Insiders0.73%
Owned by Institutions11.73%
Financial Efficiency
United Community Banks’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 2.09%.
Return on Equity (ROE)0.07
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)2.09%
Return on Capital Employed (ROCE)0.03
Revenue Per Employee496.45K
Profits Per Employee84.14K
Employee Count2,982
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Community Banks is 15.33. United Community Banks’s PEG ratio is -0.86.
PE Ratio15.33
PS Ratio0.00
PB Ratio1.33
Price to Fair Value1.13
Price to FCF6.39
Price to Operating Cash Flow5.94
PEG Ratio-0.86
Income Statement
In the last 12 months, United Community Banks had revenue of 1.48B and earned 252.40M in profits. Earnings per share was 2.04.
Revenue1.48B
Gross Profit879.09M
Operating Income323.01M
Pretax Income323.01M
Net Income252.40M
EBITDA363.94M
Earnings Per Share (EPS)2.04
Cash Flow
In the last 12 months, operating cash flow was 349.73M and capital expenditures -47.04M, giving a free cash flow of 302.69M billion.
Operating Cash Flow349.73M
Free Cash Flow302.69M
Free Cash Flow per Share2.49
Dividends & Yields
United Community Banks pays an annual dividend of $0.956, resulting in a dividend yield of 3.44%
Dividend Per Share$0.956
Dividend Yield3.44%
Payout Ratio40.51%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.19
52-Week Price Change15.29%
50-Day Moving Average27.48
200-Day Moving Average29.48
Relative Strength Index (RSI)40.85
Average Volume (3m)548.25K
Important Dates
United Community Banks upcoming earnings date is Jul 22, 2025, TBA Not Confirmed.
Last Earnings DateApr 22, 2025
Next Earnings DateJul 22, 2025
Ex-Dividend DateJun 13, 2025
Financial Position
United Community Banks as a current ratio of 0.32, with Debt / Equity ratio of 32.39%
Current Ratio0.32
Quick Ratio0.32
Debt to Market Cap0.07
Net Debt to EBITDA-0.73
Interest Coverage Ratio0.59
Taxes
In the past 12 months, United Community Banks has paid 70.61M in taxes.
Income Tax70.61M
Effective Tax Rate0.22
Enterprise Valuation
United Community Banks EV to EBITDA ratio is 9.90, with an EV/FCF ratio of 11.91.
EV to Sales2.43
EV to EBITDA9.90
EV to Free Cash Flow11.91
EV to Operating Cash Flow10.31
Balance Sheet
United Community Banks has $4.96B in cash and marketable securities with $254.15M in debt, giving a net cash position of -$4.70B billion.
Cash & Marketable Securities$4.96B
Total Debt$254.15M
Net Cash-$4.70B
Net Cash Per Share-$38.70
Tangible Book Value Per Share$20.67
Margins
Gross margin is 100.00%, with operating margin of 21.82%, and net profit margin of 17.05%.
Gross Margin100.00%
Operating Margin21.82%
Pretax Margin21.82%
Net Profit Margin17.05%
EBITDA Margin24.58%
EBIT Margin21.82%
Analyst Forecast
The average price target for United Community Banks is $32.33, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$32.33
Price Target Upside17.48% Upside
Analyst ConsensusStrong Buy
Analyst Count4
Revenue Growth Forecast6.73%
EPS Growth Forecast37.84%