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UCBI

United Community Banks, Inc.

Financial Services · USD

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Price alert · UCBI

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27.83 USD 0.00 0.00%
As of Aug 5, 2024
26.96 Day range 28.45
21.63 52-week range 31.96
Open
27.52
Prev close
27.83
Mkt cap
3.32B
Vol
742.86K
Avg vol
541.28K
EPS
1.54
P/E
30.85
Div yield
0.00%
More statistics
Low
26.96
High
28.45
Beta
0.92
Inst. own
82.97%
Dividend
0.92

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Financial health

Altman Z-Score

0.38 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 10.7×
FY 2016: 21.2×FY 2017: 30.6×FY 2018: 10.3×FY 2019: 0.0×FY 2020: 14.9×FY 2021: 12.1×FY 2022: 13.4×FY 2023: 19.0×FY 2024: 13.8×FY 2025: 10.7×
FY 2016 5y median 13.4× FY 2025
P/S 3.2×
FY 2016: 5.3×FY 2017: 4.6×FY 2018: 3.2×FY 2019: 4.3×FY 2020: 3.7×FY 2021: 4.2×FY 2022: 4.2×FY 2023: 4.3×FY 2024: 3.7×FY 2025: 3.2×
FY 2016 5y median 4.2× FY 2025
P/B 0.9×
FY 2016: 2.0×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025
P/FCF 8.9×
FY 2016: 17.6×FY 2017: 11.1×FY 2018: 6.8×FY 2019: 18.5×FY 2020: 16.9×FY 2021: 9.5×FY 2022: 6.4×FY 2023: 15.5×FY 2024: 9.6×FY 2025: 8.9×
FY 2016 5y median 9.5× FY 2025
EV/EBITDA 74.2×
FY 2016: 12.8×FY 2017: 7.8×FY 2018: 3.1×FY 2019: 6.2×FY 2020: 38.2×FY 2021: 51.2×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 85.9×FY 2025: 74.2×
FY 2016 5y median 51.2× FY 2025
EV/Sales 3.2×
FY 2016: 6.9×FY 2017: 5.5×FY 2018: 3.4×FY 2019: 3.8×FY 2020: 1.7×FY 2021: 1.5×FY 2022: 4.8×FY 2023: 3.4×FY 2024: 3.9×FY 2025: 3.2×
FY 2016 5y median 3.4× FY 2025
FCF Yield 11.3%
FY 2016: 5.7%FY 2017: 9.0%FY 2018: 14.8%FY 2019: 5.4%FY 2020: 5.9%FY 2021: 10.5%FY 2022: 15.7%FY 2023: 6.4%FY 2024: 10.4%FY 2025: 11.3%
FY 2016 5y median 10.5% FY 2025

Profitability

Gross Margin 62.4%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 92.2%FY 2022: 100.0%FY 2023: 163.3%FY 2024: 57.4%FY 2025: 62.4%
FY 2016 5y median 92.2% FY 2025
Operating Margin 60.1%
FY 2016: 53.0%FY 2017: 51.6%FY 2018: 52.1%FY 2019: 41.6%FY 2020: 32.8%FY 2021: 50.1%FY 2022: 45.2%FY 2023: 37.6%FY 2024: 54.6%FY 2025: 60.1%
FY 2016 5y median 50.1% FY 2025
Net Margin 30.9%
FY 2016: 24.9%FY 2017: 15.3%FY 2018: 31.2%FY 2019: 32.3%FY 2020: 25.7%FY 2021: 36.2%FY 2022: 32.0%FY 2023: 23.3%FY 2024: 28.0%FY 2025: 30.9%
FY 2016 5y median 30.9% FY 2025
ROE 9.0%
FY 2016: 9.4%FY 2017: 5.2%FY 2018: 11.4%FY 2019: 11.4%FY 2020: 8.2%FY 2021: 12.1%FY 2022: 10.3%FY 2023: 5.8%FY 2024: 7.4%FY 2025: 9.0%
FY 2016 5y median 9.0% FY 2025
ROIC 9.1%
FY 2016: 1.2%FY 2017: 0.8%FY 2018: 1.7%FY 2019: -17038.6%FY 2020: 42.1%FY 2021: 2.2%FY 2022: 15.9%FY 2023: 2.7%FY 2024: 6.1%FY 2025: 9.1%
FY 2016 5y median 6.1% FY 2025
ROA 1.2%
FY 2016: 0.9%FY 2017: 0.6%FY 2018: 1.3%FY 2019: 1.4%FY 2020: 0.9%FY 2021: 1.3%FY 2022: 1.2%FY 2023: 0.7%FY 2024: 0.9%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 18.0%
FY 2016: 22.3%FY 2017: 10.1%FY 2018: 19.7%FY 2019: 8.0%FY 2020: 11.4%FY 2021: 16.4%FY 2022: 16.6%FY 2023: -7.4%FY 2024: 12.1%FY 2025: 18.0%
FY 2016 FY 2025
Operating Income 29.9%
FY 2016: 57.2%FY 2017: 7.1%FY 2018: 21.0%FY 2019: -13.9%FY 2020: -12.3%FY 2021: 78.2%FY 2022: 5.1%FY 2023: -22.9%FY 2024: 62.7%FY 2025: 29.9%
FY 2016 FY 2025
EPS (diluted) 28.4%
FY 2016: 28.4%FY 2017: -34.3%FY 2018: 126.1%FY 2019: 11.1%FY 2020: -17.3%FY 2021: 55.5%FY 2022: -15.2%FY 2023: -38.9%FY 2024: 32.5%FY 2025: 28.4%
FY 2016 FY 2025
Free Cash Flow 9.8%
FY 2016: 19.7%FY 2017: 53.1%FY 2018: 35.9%FY 2019: -47.3%FY 2020: 5.4%FY 2021: 137.4%FY 2022: 69.6%FY 2023: -60.8%FY 2024: 57.9%FY 2025: 9.8%
FY 2016 FY 2025

Financial Health

Current Ratio 47.5×
FY 2016: 1520×FY 2017: 171×FY 2018: 57.1×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 40.5×FY 2022: 4.5×FY 2023: 0.1×FY 2024: 24.7×FY 2025: 47.5×
FY 2016 5y median 24.7× FY 2025
Quick Ratio 47.5×
FY 2016: 1520×FY 2017: 171×FY 2018: 57.1×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 40.5×FY 2022: 4.5×FY 2023: 0.1×FY 2024: 24.7×FY 2025: 47.5×
FY 2016 5y median 24.7× FY 2025
Debt / Equity 0.1×
FY 2016: 0.8×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.1×
FY 2016: 3.1×FY 2017: 1.2×FY 2018: 0.2×FY 2019: -0.9×FY 2020: -45.2×FY 2021: -93.7×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 3.7×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Interest Coverage 1.3×
FY 2016: 8.5×FY 2017: 6.8×FY 2018: 4.5×FY 2019: 2.9×FY 2020: 3.7×FY 2021: 12.5×FY 2022: 6.4×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 0.7%FY 2017: 1.3%FY 2018: 2.4%FY 2019: 2.2%FY 2020: 2.6%FY 2021: 2.3%FY 2022: 2.6%FY 2023: 3.2%FY 2024: 3.3%FY 2025: 3.5%
FY 2016 5y median 3.2% FY 2025
Payout Ratio 36.1%
FY 2016: 15.8%FY 2017: 38.6%FY 2018: 25.1%FY 2019: 28.6%FY 2020: 38.1%FY 2021: 27.3%FY 2022: 33.8%FY 2023: 59.6%FY 2024: 44.5%FY 2025: 36.1%
FY 2016 5y median 36.1% FY 2025

Annual · latest fiscal year ends 2025-12-31