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UCBI

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

24.22USD-0.61 (-2.46%)Delayed

Market Summary

UCBI
USD24.22-0.61
Delayed
-2.46%

UCBI Stock Price

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UCBI RSI Chart

UCBI Valuation

Market Cap

2.9B

Price/Earnings (Trailing)

15.36

Price/Sales (Trailing)

2.23

EV/EBITDA

2.08

Price/Free Cashflow

12.6

UCBI Price/Sales (Trailing)

UCBI Profitability

EBT Margin

18.02%

Return on Equity

5.69%

Return on Assets

0.69%

Free Cashflow Yield

7.94%

UCBI Fundamentals

UCBI Revenue

Revenue (TTM)

1.3B

Rev. Growth (Yr)

20.48%

Rev. Growth (Qtr)

-0.58%

UCBI Earnings

Earnings (TTM)

187.9M

Earnings Growth (Yr)

0.53%

Earnings Growth (Qtr)

344.51%

Breaking Down UCBI Revenue

Last 7 days

-3.6%

Last 30 days

-10.1%

Last 90 days

-3.5%

Trailing 12 Months

-9.0%

How does UCBI drawdown profile look like?

UCBI Financial Health

Debt/Equity

0.1

Debt/Cashflow

0.9

UCBI Investor Care

Dividend Yield

3.8%

Dividend/Share (TTM)

0.92

Shares Dilution (1Y)

3.46%

Diluted EPS (TTM)

1.53

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
20241.3B000
2023921.6M1.0B1.1B1.2B
2022560.8M560.4M582.1M813.2M
2021644.3M716.1M752.9M578.8M
2020548.3M525.2M535.2M577.4M
2019536.2M553.2M564.0M562.6M
2018450.9M465.1M490.2M515.0M
2017415.4M424.7M428.4M440.4M
2016348.9M370.2M392.9M404.3M
2015277.6M288.4M302.5M326.3M
2014216.6M261.1M265.0M269.9M
2013208.0M163.7M163.2M209.3M
2012296.8M286.7M278.1M221.7M
2011327.3M316.6M306.9M302.6M
20100382.3M361.7M341.1M
2009000402.8M
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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 ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
May 15, 2024
wilkins david h
acquired
-
-
2,413
-
May 15, 2024
clements james p
acquired
-
-
2,413
-
May 15, 2024
daniels kenneth l
acquired
-
-
2,413
-
May 15, 2024
bell george b.
acquired
-
-
2,413
-
May 15, 2024
richlovsky thomas a
acquired
-
-
2,413
-
May 15, 2024
wallis tim
acquired
-
-
2,413
-
May 15, 2024
cox abraham
sold (taxes)
-996
26.94
-37.00
evp, chief marketing officer
May 15, 2024
drummond lance f.
acquired
-
-
2,413
-

1–10 of 50

Which funds bought or sold UCBI recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Jun 11, 2024
EverSource Wealth Advisors, LLC
added
19.47
462
15,794
-%
May 28, 2024
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
unchanged
-
-100,000
889,000
0.01%
May 24, 2024
Cetera Investment Advisers
new
-
381,642
381,642
-%
May 16, 2024
Beacon Capital Management, LLC
unchanged
-
940
27,189
0.01%
May 16, 2024
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
reduced
-5.04
-532,925
3,122,260
-%
May 16, 2024
COMERICA BANK
reduced
-9.23
-297,107
1,322,050
0.01%
May 16, 2024
JANE STREET GROUP, LLC
reduced
-20.76
-618,881
1,535,560
-%
May 15, 2024
GOLDMAN SACHS GROUP INC
reduced
-72.76
-34,234,500
11,109,400
-%
May 15, 2024
Aristotle Capital Boston, LLC
reduced
-2.42
-3,052,090
21,909,700
0.66%
May 15, 2024
JANUS HENDERSON GROUP PLC
reduced
-2.66
-6,134,030
43,155,900
0.02%

1–10 of 48

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

Unveiling United Community Banks Inc-GA's Major ShareHolders

Date FiledName of FilerPercent of ClassNo. of SharesForm 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
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
May 16, 2024
4
Insider Trading

Peers (Alternatives to United Community Banks Inc-GA)

NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
563.6B
180.9B
-4.12% 35.43%
11.19
3.12
60.42% 19.83%
306.9B
137.9B
0.85% 33.61%
12.26
2.23
56.12% -12.56%
200.2B
88.5B
-7.89% 35.55%
10.67
2.26
42.28% 26.14%
113.4B
140.1B
-7.63% 22.20%
14.18
0.81
54.53% -
15.5B
10.4B
-7.55% 23.00%
10.83
1.49
26.22% -33.87%
12.6B
8.1B
-14.26% 32.44%
14.4
1.55
32.15% -50.93%
MID-CAP
6.2B
4.2B
-15.15% 9.19%
8.93
1.46
34.68% -45.96%
6.0B
4.1B
-9.65% 40.61%
9.57
1.47
32.93% -30.73%
3.2B
1.3B
-6.81% 31.96%
11.42
2.46
30.60% -12.99%
3.0B
2.0B
-10.99% 15.87%
18.77
1.48
47.11% -59.32%
SMALL-CAP
497.6M
120.2M
6.68% 49.76%
19.02
4.14
45.65% -13.98%
404.4M
173.1M
-1.50% 10.85%
13.86
2.34
26.54% -34.86%
362.3M
176.1M
-7.15% 0.05%
36.44
2.06
35.14% -73.84%
265.3M
98.7M
-8.08% -6.70%
9.01
2.69
6.27% -22.90%
42.9M
62.5M
-8.76% -9.42%
-14.5
0.69
18.83% -145.18%

United Community Banks Inc-GA News

Latest updates
Yahoo Finance16 May 202407:00 am
PR Newswire14 months ago

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

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Revenue-0.6%33733932329627924121418717110.00192188189184155116122142145139137
EBITDA Margin-5.5%0.84*0.89*1.05*1.20*1.33*1.42*1.78*1.70*1.61*1.55*-----------
Interest Expenses-2.1%199203203200211210200179164138141138132145128109119117119118116
Income Taxes719.2%18.00-2.9412.0018.0018.0025.0022.0019.0012.0014.0022.0022.0020.0018.0012.007.009.0013.0014.0013.0013.00
Earnings Before Taxes625.0%81.0011.0060.0082.0080.0010610486.0060.0066.0095.0092.0094.0077.0059.0032.0041.0062.0062.0057.0057.00
EBT Margin-4.1%0.18*0.19*0.29*0.36*0.41*0.44*0.54*0.55*0.56*0.60*-----------
Net Income344.5%63.0014.0048.0063.0062.0081.0081.0067.0048.0052.0074.0070.0074.0060.0048.0025.0032.0049.0048.0044.0044.00
Net Income Margin-4.3%0.15*0.15*0.22*0.28*0.32*0.34*0.43*0.43*0.44*0.47*-----------
Free Cashflow789.1%75.008.0072.0074.0067.0083.0015113719370.00-----------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Assets0.2%27,36527,29726,86926,12025,87224,00923,68824,21324,37420,94719,48118,89618,55717,79417,15315,00513,08612,91612,80912,77912,506
    Cash Equivalents-4.2%9621,0047607117786474841,2161,9072,3191,8181,4191,3341,6091,0461,329521515361276325
  Net PPE2.0%386378371353337298289286284245225225217218212212215216215217214
Liabilities0.1%24,06524,03623,68523,01522,79421,30821,05321,56221,67918,72517,35916,80916,52615,78715,18613,23311,44511,28011,20411,21310,998
  Short Term Borrowings---37.00-7.00159-------------40.00-
  Long Term Debt0.0%325325325325325325325324324247247262312327327312213213240248257
Shareholder's Equity1.2%3,3003,2623,1843,1063,0782,7012,6352,6512,6952,2222,1222,0862,0312,0081,9671,7721,6411,6361,6051,5661,508
  Retained Earnings5.7%61558159757754350945339735433129924419213795.0065.0054.0040.006.00-29.12-59.57
  Additional Paid-In Capital0.1%2,7032,6992,6982,6112,6062,3062,3052,3052,3021,7211,6321,6371,6411,6391,6371,4801,4791,4971,4951,4991,494
Shares Outstanding0.1%11911911911511510610710710788.0087.0087.00---------
Float----2,869---3,188---2,761---1,568---2,247-
Cashflow (Last 12 Months)
(In Millions)
Cashflow (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Cashflow From Operations307.8%89.0022.0087.0095.0090.0099.0016114720076.0012012835.0010538.0026.00-10.7958.0047.0013.0036.00
  Share Based Compensation30.7%2.002.002.002.002.002.002.002.002.002.002.002.002.002.002.002.002.002.002.004.002.00
Cashflow From Investing23.9%-122-160161-344181-176-309-631-902-249-215-303-1,037-154-275-1,066-84.9837.0059.00-45.49113
Cashflow From Financing-102.1%-8.24384-199183-140240-582-206290674494261728612-46.161,84810159.00-21.02-17.03-150
  Dividend Payments0%28.0028.0027.0027.0024.0024.0023.0023.0018.0018.0017.0017.0016.0016.0014.0014.0014.0014.0014.0013.0013.00
  Buy Backs---5.000.00------10.005.00----21.000.005.00-7.00
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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 $2,110, respectively46,43639,986
Deposits in banks and short-term investments6,3093,070
Total interest revenue336,728279,487
Interest expense:  
Deposits133,78457,861
Short-term borrowings01,148
Federal Home Loan Bank advances05,112
Long-term debt3,7953,896
Total interest expense137,57968,017
Net interest revenue199,149211,470
Provision for credit losses12,89921,783
Net interest revenue after provision for credit losses186,250189,687
Noninterest income:  
Wealth management fees6,3135,724
Gains from sales of other loans1,5371,916
Lending and loan servicing fees4,2104,016
Securities losses, net0(1,644)
Other10,7526,977
Total noninterest income39,58730,209
Total revenue225,837219,896
Noninterest expenses:  
Salaries and employee benefits84,98578,698
Communications and equipment11,92010,008
Occupancy11,0999,889
Advertising and public relations1,9012,349
Postage, printing and supplies2,6482,537
Professional fees5,9886,072
Lending and loan servicing expense1,8272,319
Outside services - electronic banking2,9183,425
FDIC assessments and other regulatory charges7,5664,001
Amortization of intangibles3,8873,528
Merger-related and other charges2,0878,631
Other8,1768,348
Total noninterest expenses145,002139,805
Income before income taxes80,83580,091
Income tax expense18,20417,791
Net of tax62,63162,300
Net income available to common shareholders, basic60,71360,242
Net income available to common shareholders, diluted$ 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)119,662115,451
Diluted (in shares)119,743115,715
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 banks758,001803,094
Cash and cash equivalents961,9331,003,875
Debt securities available-for-sale3,393,3993,331,084
Debt securities held-to-maturity (fair value $2,042,912 and $2,095,620, respectively)2,465,1332,490,848
Loans held for sale38,14033,008
Loans and leases held for investment18,374,84418,318,755
Allowance for credit losses - loans and leases(210,934)(208,071)
Loans and leases, net18,163,91018,110,684
Premises and equipment, net386,052378,421
Bank owned life insurance342,486345,371
Goodwill and other intangible assets, net987,539990,087
Other assets626,296613,873
Total assets27,364,88827,297,251
Deposits:  
Noninterest-bearing demand6,409,6596,534,307
Interest-bearing deposits16,922,35016,776,304
Total deposits23,332,00923,310,611
Long-term debt324,854324,823
Accrued expenses and other liabilities407,915400,292
Total liabilities24,064,77824,035,726
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 preference88,26688,266
Common stock, $1 par value: 200,000,000 shares authorized, 119,136,518 and 119,010,319 shares issued and outstanding, respectively119,137119,010
Common stock issuable: 560,833 and 620,108 shares, respectively11,92313,110
Capital surplus2,702,8072,699,112
Retained earnings614,612581,219
Accumulated other comprehensive loss(236,635)(239,192)
Total shareholders' equity3,300,1103,261,525
Total liabilities and shareholders' equity$ 27,364,888$ 27,297,251
UCBI
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
 WEBSITEucbi.com
 INDUSTRYBanks Diversified
 EMPLOYEES3064

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 Fri Jun 14 2024, market cap of United Community Banks Inc-GA is 2.89 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 Fri Jun 14 2024, UCBI's PE ratio (Price to Earnings) is 15.36 and Price to Sales (PS) ratio is 2.23. 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 0.057 (multiply by 100 for percentage) rate of return.