UCBI - United Community Banks Inc-GA Stock Price, Fair Value and News

27.29USD+0.44 (+1.64%)Delayed as of 17 May 2024, 12:01 pm ET

Market Summary

USD27.29+0.44

Delayedas of 17 May 2024, 12:01 pm

1.64%

UCBI Alerts

Big fall in Revenue (Y/Y)

UCBI Stock Price

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UCBI RSI Chart

UCBI Valuation

Market Cap

3.2B

Price/Earnings (Trailing)

17.03

Price/Sales (Trailing)

2.7

EV/EBITDA

2.37

Price/Free Cashflow

13.96

UCBI Price/Sales (Trailing)

UCBI Profitability

EBT Margin

19.71%

Return on Equity

5.69%

Return on Assets

0.69%

Free Cashflow Yield

7.16%

UCBI Fundamentals

UCBI Revenue

Revenue (TTM)

1.2B

Rev. Growth (Yr)

-19.2%

Rev. Growth (Qtr)

-33.32%

UCBI Earnings

Earnings (TTM)

187.9M

Earnings Growth (Yr)

0.53%

Earnings Growth (Qtr)

344.51%

Breaking Down UCBI Revenue

52 Week Range

21.9630.18

(Low)(High)

Last 7 days

0.5%

Last 30 days

9.4%

Last 90 days

-1.1%

Trailing 12 Months

17.9%

How does UCBI drawdown profile look like?

UCBI Financial Health

Debt/Equity

0.1

Debt/Cashflow

0.9

UCBI Investor Care

Dividend Yield

3.43%

Dividend/Share (TTM)

0.92

Shares Dilution (1Y)

3.46%

Diluted EPS (TTM)

1.53

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	1.2B	0	0	0
2023	921.6M	1.0B	1.1B	1.2B
2022	560.8M	560.4M	582.1M	813.2M
2021	644.3M	716.1M	752.9M	578.8M
2020	548.3M	525.2M	535.2M	577.4M
2019	536.2M	553.2M	564.0M	562.6M
2018	450.9M	465.1M	490.2M	515.0M
2017	415.4M	424.7M	428.4M	440.4M
2016	348.9M	370.2M	392.9M	404.3M
2015	277.6M	288.4M	302.5M	326.3M
2014	216.6M	261.1M	265.0M	269.9M
2013	208.0M	163.7M	163.2M	209.3M
2012	296.8M	286.7M	278.1M	221.7M
2011	327.3M	316.6M	306.9M	302.6M
2010	0	382.3M	361.7M	341.1M
2009	0	0	0	402.8M

Get all data in R, Python etc through our Historical Stock Data APIs

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Very Expensive Stocks: $8,224

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Tracking the Latest Insider Buys and Sells of United Community Banks Inc-GA

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 07, 2024	kumler alan h	acquired	-	-	1,523	svp, chief accounting officer
Mar 18, 2024	edwards robert a.	gifted	-	-	-775	evp, chief risk officer
Mar 15, 2024	edwards robert a.	gifted	-	-	-835	evp, chief risk officer
Mar 13, 2024	harton h lynn	gifted	-	-	-8,329	president & ceo
Mar 13, 2024	harton h lynn	gifted	-	-	8,329	president & ceo
Feb 15, 2024	harralson jefferson l	acquired	-	-	3,261	evp,cfo
Feb 15, 2024	cox abraham	acquired	-	-	571	evp, chief marketing officer
Feb 15, 2024	davis lux melinda	sold (taxes)	-23,842	27.66	-862	evp, general counsel
Feb 15, 2024	cox abraham	sold (taxes)	-9,210	27.66	-333	evp, chief marketing officer
Feb 15, 2024	berry holly n	acquired	-	-	499	evp, chief hr officer

Which funds bought or sold UCBI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 15, 2024	MENDON CAPITAL ADVISORS CORP	unchanged	-	-88,200	789,600	0.42%
May 15, 2024	VOLORIDGE INVESTMENT MANAGEMENT, LLC	new	-	1,098,040	1,098,040	-%
May 15, 2024	Voya Investment Management LLC	added	42.8	1,018,040	4,596,450	-%
May 15, 2024	DEUTSCHE BANK AG\	added	1.46	-139,023	1,452,310	-%
May 15, 2024	Aristotle Capital Boston, LLC	reduced	-2.42	-3,052,090	21,909,700	0.66%
May 15, 2024	WEDBUSH SECURITIES INC	sold off	-100	-246,000	-	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	added	19.22	53,998	800,128	-%
May 15, 2024	Lee Financial Co	sold off	-100	-80,436	-	-%
May 15, 2024	Cetera Advisor Networks LLC	reduced	-6.7	-70,628	368,824	-%
May 15, 2024	Centiva Capital, LP	sold off	-100	-211,930	-	-%

Are Funds Buying or Selling UCBI?

Are funds buying UCBI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own UCBI

No. of Funds

UCBI Alerts

Big fall in Revenue (Y/Y)

Unveiling United Community Banks Inc-GA's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	11.39%	13,552,982	SC 13G/A
Feb 09, 2024	fmr llc	-	0	SC 13G
Jan 24, 2024	state street corp	5.01%	5,958,625	SC 13G/A
Jan 23, 2024	blackrock inc.	14.3%	17,058,774	SC 13G/A
Feb 09, 2023	vanguard group inc	11.28%	11,980,115	SC 13G/A
Feb 06, 2023	state street corp	4.67%	4,960,942	SC 13G/A
Jan 23, 2023	blackrock inc.	14.6%	15,539,856	SC 13G/A
Feb 10, 2022	vanguard group inc	12.00%	10,719,549	SC 13G/A
Feb 10, 2022	state street corp	5.20%	4,646,495	SC 13G
Jan 27, 2022	blackrock inc.	14.7%	13,117,339	SC 13G/A

Recent SEC filings of United Community Banks Inc-GA

View All Filings

Date Filed	Form Type	Document
May 16, 2024	4	Insider Trading
May 16, 2024	8-K	Current Report
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading
May 16, 2024	4	Insider Trading

Peers (Alternatives to United Community Banks Inc-GA)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	581.4B	174.7B	11.99%	46.24%	11.55	3.33	53.11%	19.83%
BAC	306.7B	137.9B	13.09%	37.28%	12.25	2.22	56.12%	-12.56%
WFC	212.8B	85.8B	8.19%	50.84%	11.34	2.48	35.02%	26.14%
C	122.4B	125.0B	12.50%	36.26%	15.31	0.98	37.85%	-
CFG	16.6B	10.4B	12.65%	38.40%	11.61	1.6	26.22%	-33.87%
KEY	14.4B	8.1B	7.74%	50.49%	16.53	1.78	32.15%	-50.93%
MID-CAP
CMA	7.2B	4.2B	8.99%	43.16%	10.4	1.7	34.68%	-45.96%
ZION	6.6B	4.1B	13.27%	70.96%	10.5	1.62	32.93%	-30.73%
ABCB	3.5B	1.3B	12.98%	57.40%	12.27	2.64	30.60%	-12.99%
ASB	3.3B	2.0B	11.41%	42.76%	20.79	1.64	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	415.3M	173.1M	13.52%	27.11%	14.24	2.4	26.54%	-34.86%
ALRS	390.4M	152.4M	-1.25%	34.56%	39.27	2.56	16.94%	-73.84%
ACNB	289.6M	98.7M	3.86%	15.94%	9.84	2.93	6.27%	-22.90%
ASRV	47.2M	62.5M	11.11%	-5.26%	-15.95	0.75	18.83%	-145.18%

United Community Banks Inc-GA News

Latest updates

United Community Banks Inc-GA Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-33.3%	226	339	323	296	279	241	214	187	171	10.00	192	188	189	184	155	116	122	142	145	139	137
EBITDA Margin	3.3%	0.91*	0.89*	1.05*	1.20*	1.33*	1.42*	1.78*	1.70*	1.61*	1.55*	-	-	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.1%	199	203	203	200	211	210	200	179	164	138	141	138	132	145	128	109	119	117	119	118	116
Income Taxes	719.2%	18.00	-2.94	12.00	18.00	18.00	25.00	22.00	19.00	12.00	14.00	22.00	22.00	20.00	18.00	12.00	7.00	9.00	13.00	14.00	13.00	13.00
Earnings Before Taxes	625.0%	81.00	11.00	60.00	82.00	80.00	106	104	86.00	60.00	66.00	95.00	92.00	94.00	77.00	59.00	32.00	41.00	62.00	62.00	57.00	57.00
EBT Margin	4.9%	0.20*	0.19*	0.29*	0.36*	0.41*	0.44*	0.54*	0.55*	0.56*	0.60*	-	-	-	-	-	-	-	-	-	-	-
Net Income	344.5%	63.00	14.00	48.00	63.00	62.00	81.00	81.00	67.00	48.00	52.00	74.00	70.00	74.00	60.00	48.00	25.00	32.00	49.00	48.00	44.00	44.00
Net Income Margin	4.7%	0.16*	0.15*	0.22*	0.28*	0.32*	0.34*	0.43*	0.43*	0.44*	0.47*	-	-	-	-	-	-	-	-	-	-	-
Free Cashflow	789.1%	75.00	8.00	72.00	74.00	67.00	83.00	151	137	193	70.00	-	-	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	0.2%	27,365	27,297	26,869	26,120	25,872	24,009	23,688	24,213	24,374	20,947	19,481	18,896	18,557	17,794	17,153	15,005	13,086	12,916	12,809	12,779	12,506
Cash Equivalents	-4.2%	962	1,004	760	711	778	647	484	1,216	1,907	2,319	1,818	1,419	1,334	1,609	1,046	1,329	521	515	361	276	325
Net PPE	2.0%	386	378	371	353	337	298	289	286	284	245	225	225	217	218	212	212	215	216	215	217	214
Liabilities	0.1%	24,065	24,036	23,685	23,015	22,794	21,308	21,053	21,562	21,679	18,725	17,359	16,809	16,526	15,787	15,186	13,233	11,445	11,280	11,204	11,213	10,998
Short Term Borrowings	-	-	-	37.00	-	7.00	159	-	-	-	-	-	-	-	-	-	-	-	-	-	40.00	-
Long Term Debt	0.0%	325	325	325	325	325	325	325	324	324	247	247	262	312	327	327	312	213	213	240	248	257
Shareholder's Equity	1.2%	3,300	3,262	3,184	3,106	3,078	2,701	2,635	2,651	2,695	2,222	2,122	2,086	2,031	2,008	1,967	1,772	1,641	1,636	1,605	1,566	1,508
Retained Earnings	5.7%	615	581	597	577	543	509	453	397	354	331	299	244	192	137	95.00	65.00	54.00	40.00	6.00	-29.12	-59.57
Additional Paid-In Capital	0.1%	2,703	2,699	2,698	2,611	2,606	2,306	2,305	2,305	2,302	1,721	1,632	1,637	1,641	1,639	1,637	1,480	1,479	1,497	1,495	1,499	1,494
Shares Outstanding	0.1%	119	119	119	115	115	106	107	107	107	88.00	87.00	87.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	2,869	-	-	-	3,188	-	-	-	2,761	-	-	-	1,568	-	-	-	2,247	-

Cashflow (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	307.8%	89.00	22.00	87.00	95.00	90.00	99.00	161	147	200	76.00	120	128	35.00	105	38.00	26.00	-10.79	58.00	47.00	13.00	36.00
Share Based Compensation	30.7%	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	4.00	2.00
Cashflow From Investing	23.9%	-122	-160	161	-344	181	-176	-309	-631	-902	-249	-215	-303	-1,037	-154	-275	-1,066	-84.98	37.00	59.00	-45.49	113
Cashflow From Financing	-102.1%	-8.24	384	-199	183	-140	240	-582	-206	290	674	494	261	728	612	-46.16	1,848	101	59.00	-21.02	-17.03	-150
Dividend Payments	0%	28.00	28.00	27.00	27.00	24.00	24.00	23.00	23.00	18.00	18.00	17.00	17.00	16.00	16.00	14.00	14.00	14.00	14.00	14.00	13.00	13.00
Buy Backs	-	-	-	5.00	0.00	-	-	-	-	-	-	10.00	5.00	-	-	-	-	21.00	0.00	5.00	-	7.00

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UCBI Income Statement

2024-03-31

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest revenue:
Loans, including fees	$ 283,983	$ 236,431
Investment securities, including tax exempt of $1,721 and $2,110, respectively	46,436	39,986
Deposits in banks and short-term investments	6,309	3,070
Total interest revenue	336,728	279,487
Interest expense:
Deposits	133,784	57,861
Short-term borrowings	0	1,148
Federal Home Loan Bank advances	0	5,112
Long-term debt	3,795	3,896
Total interest expense	137,579	68,017
Net interest revenue	199,149	211,470
Provision for credit losses	12,899	21,783
Net interest revenue after provision for credit losses	186,250	189,687
Noninterest income:
Wealth management fees	6,313	5,724
Gains from sales of other loans	1,537	1,916
Lending and loan servicing fees	4,210	4,016
Securities losses, net	0	(1,644)
Other	10,752	6,977
Total noninterest income	39,587	30,209
Total revenue	225,837	219,896
Noninterest expenses:
Salaries and employee benefits	84,985	78,698
Communications and equipment	11,920	10,008
Occupancy	11,099	9,889
Advertising and public relations	1,901	2,349
Postage, printing and supplies	2,648	2,537
Professional fees	5,988	6,072
Lending and loan servicing expense	1,827	2,319
Outside services - electronic banking	2,918	3,425
FDIC assessments and other regulatory charges	7,566	4,001
Amortization of intangibles	3,887	3,528
Merger-related and other charges	2,087	8,631
Other	8,176	8,348
Total noninterest expenses	145,002	139,805
Income before income taxes	80,835	80,091
Income tax expense	18,204	17,791
Net of tax	62,631	62,300
Net income available to common shareholders, basic	60,713	60,242
Net income available to common shareholders, diluted	$ 60,713	$ 60,242
Net income per common share:
Basic (in dollars per share)	$ 0.51	$ 0.52
Diluted (in dollars per share)	$ 0.51	$ 0.52
Weighted average common shares outstanding:
Basic (in shares)	119,662	115,451
Diluted (in shares)	119,743	115,715
Service charges and fees
Noninterest income:
Service charges and other related fees	$ 9,264	$ 8,699
Mortgage loan gains and other related fees
Noninterest income:
Service charges and other related fees	$ 7,511	$ 4,521

UCBI Balance Sheet

2024-03-31

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 203,932	$ 200,781
Interest-bearing deposits in banks	758,001	803,094
Cash and cash equivalents	961,933	1,003,875
Debt securities available-for-sale	3,393,399	3,331,084
Debt securities held-to-maturity (fair value $2,042,912 and $2,095,620, respectively)	2,465,133	2,490,848
Loans held for sale	38,140	33,008
Loans and leases held for investment	18,374,844	18,318,755
Allowance for credit losses - loans and leases	(210,934)	(208,071)
Loans and leases, net	18,163,910	18,110,684
Premises and equipment, net	386,052	378,421
Bank owned life insurance	342,486	345,371
Goodwill and other intangible assets, net	987,539	990,087
Other assets	626,296	613,873
Total assets	27,364,888	27,297,251
Deposits:
Noninterest-bearing demand	6,409,659	6,534,307
Interest-bearing deposits	16,922,350	16,776,304
Total deposits	23,332,009	23,310,611
Long-term debt	324,854	324,823
Accrued expenses and other liabilities	407,915	400,292
Total liabilities	24,064,778	24,035,726
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 3,662 shares Series I issued and outstanding; $25,000 per share liquidation preference	88,266	88,266
Common stock, $1 par value: 200,000,000 shares authorized, 119,136,518 and 119,010,319 shares issued and outstanding, respectively	119,137	119,010
Common stock issuable: 560,833 and 620,108 shares, respectively	11,923	13,110
Capital surplus	2,702,807	2,699,112
Retained earnings	614,612	581,219
Accumulated other comprehensive loss	(236,635)	(239,192)
Total shareholders' equity	3,300,110	3,261,525
Total liabilities and shareholders' equity	$ 27,364,888	$ 27,297,251

About United Community Banks Inc-GA

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. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company 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, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company 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, it 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. The company was founded in 1950 and is headquartered in Blairsville, Georgia.

CEO	Mr. Herbert Lynn Harton
WEBSITE	ucbi.com
INDUSTRY	Banks Diversified
EMPLOYEES	3064

United Community Banks Inc-GA Frequently Asked Questions

What is the ticker symbol for United Community Banks Inc-GA? What does UCBI stand for in stocks?

UCBI is the stock ticker symbol of United Community Banks Inc-GA. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of United Community Banks Inc-GA (UCBI)?

As of Thu May 16 2024, market cap of United Community Banks Inc-GA is 3.2 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of UCBI stock?

You can check UCBI's fair value in chart for subscribers.

What is the fair value of UCBI stock?

You can check UCBI's fair value in chart for subscribers. The fair value of United Community Banks Inc-GA is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of United Community Banks Inc-GA is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for UCBI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is United Community Banks Inc-GA a good stock to buy?

The fair value guage provides a quick view whether UCBI is over valued or under valued. Whether United Community Banks Inc-GA is cheap or expensive depends on the assumptions which impact United Community Banks Inc-GA's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for UCBI.

What is United Community Banks Inc-GA's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 16 2024, UCBI's PE ratio (Price to Earnings) is 17.03 and Price to Sales (PS) ratio is 2.7. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. UCBI PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on United Community Banks Inc-GA's stock?

In the past 10 years, United Community Banks Inc-GA has provided 0.071 (multiply by 100 for percentage) rate of return.