United Community Banks Inc

Finance
Major Banks
www.ucbi.com

Earnings Score
Moat Score
Safety Score
Final Score

Market Cap $3.93B
PE 21
Debt $316.36M
Cash $740.04M
EV $3.51B
FCF $168.58M

Earnings

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Sales & Net Margins

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Earnings	$183.49M
EBIT	$237.75M
ROE	5%
ROA	1%
FCF	$168.58M
Equity	$3.41B
Growth Stability	79%
PE	21.43
PEG	4.72
PB	1.15
P/FCF	23.33
P/S	4.75
Price/Cash	0.19
Debt/Equity	0.09
Debt/FCF	1.88
Net Margins	26%
Op. Margins	29%
Earnings CAGR	15%
Sales Growth YoY	-1%
Sales Growth QoQ	-13%
Sales CAGR	11%
FCF CAGR	15%
Equity CAGR	16%
Earnings Stability	0.69
Earnings Growth YoY	-3%
Earnings Growth QoQ	-30%

Earnings CAGR 5Y	5%
Sales CAGR 5Y	11%
FCF CAGR 5Y	21%
Equity CAGR 5Y	18%
Earnings CAGR 3Y	4%
Sales CAGR 3Y	4%
FCF CAGR 3Y	-31%
Equity CAGR 3Y	15%
Market Cap	$3.93B
Revenue	$827.44M
Dividend Yield	3%
Payout Ratio	61%
Assets	$27.37B
Total Debt	$316.36M
Cash	$740.04M
Shares Outstanding	119.28M
EV	3.51B
Earnings Score	90%
Moat Score	59%
Safety Score	93%
Final Score	81%
Shares Growth 3y	9%
Equity Growth QoQ	2%
Equity Growth YoY	7%

Assets & ROA

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Stockholders Equity & ROE

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United Community Banks Inc is a bank holding company that operates through its wholly-owned subsidiary, Union Community Bank. The bank has scores of offices throughout portions of Georgia, Tennessee, and the Carolinas. It has traditionally grown through the organic growth of existing offices and de novo locations, complemented by selective acquisitions. United conducts substantially all of its operations through a community-focused operating model of separate community banks. The community banks offer a full range of retail and corporate banking services, including checking, savings, and time deposit accounts, as well as secured and unsecured loans, wire transfers, brokerage services, and other financial services. The bank's loan portfolio is well-diversified but predominantly commercial.

SEC Filings

Direct access to United Community Banks Inc (UCB) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does United Community Banks Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of United Community Banks Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 15%

Stability 69%

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United Community Banks Inc Discounted Cash Flow

Fully customizable DCF calculator online for United Community Banks Inc.

Years

Calculation mode

= $4.7B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$169M	$193M	$222M	$254M	$292M	$335M	$384M	$440M	$505M	$579M	$664M	$6.6B
DCF		$176M	$183M	$191M	$199M	$208M	$217M	$226M	$235M	$245M	$256M	$2.6B
Value	$4.7B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	22%	25%	15%	32%	33%	28%	35%	33%	22%	26%
ROA	-	2%	2%	2%	2%	1%	2%	1%	1%	1%
ROE	-	9%	5%	11%	11%	8%	12%	10%	6%	5%

Good Net Margins (25.83%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	1.47	0.92	1.06	1.6	2.33	0.74	0.86	1.47	1.88
Debt over Equity	0.18	0.17	0.13	0.18	0.13	0.16	0.11	0.18	0.1	0.09
Growth Stability	-	-	-	100%	100%	100%	100%	100%	79%	79%

Good Debt/FCF ratio (1.88)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (0.09)

The company is not overleveraged and has a good balance between equity and debt.

Bad Graham’s Stability (79%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	24%	9%	19%	7%	3%	29%	11%	-3%	11%
Earnings YoY growth	-	41%	-33%	145%	12%	-14%	64%	3%	-33%	5%
Equity YoY growth	-	6%	21%	12%	12%	23%	11%	22%	21%	18%
FCF YoY growth	-	21%	52%	36%	-47%	5%	137%	70%	-61%	21%