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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.24
UCBI's Cash-to-Debt is ranked lower than
86% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. UCBI: 0.24 )
Ranked among companies with meaningful Cash-to-Debt only.
UCBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.36 Max: N/A
Current: 0.24
Equity-to-Asset 0.10
UCBI's Equity-to-Asset is ranked lower than
53% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UCBI: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
UCBI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.08 Max: 0.12
Current: 0.1
0.05
0.12
Interest Coverage 6.46
UCBI's Interest Coverage is ranked higher than
85% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. UCBI: 6.46 )
Ranked among companies with meaningful Interest Coverage only.
UCBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 2.73 Max: 6.46
Current: 6.46
0.32
6.46
Piotroski F-Score: 3
Beneish M-Score: -2.47
WACC vs ROIC
6.85%
6.36%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 40.40
UCBI's Operating Margin % is ranked higher than
71% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. UCBI: 40.40 )
Ranked among companies with meaningful Operating Margin % only.
UCBI' s Operating Margin % Range Over the Past 10 Years
Min: -149.27  Med: 12.5 Max: 40.4
Current: 40.4
-149.27
40.4
Net Margin % 24.95
UCBI's Net Margin % is ranked higher than
58% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. UCBI: 24.95 )
Ranked among companies with meaningful Net Margin % only.
UCBI' s Net Margin % Range Over the Past 10 Years
Min: -173.46  Med: 14.61 Max: 99.41
Current: 24.95
-173.46
99.41
ROE % 9.55
UCBI's ROE % is ranked higher than
59% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. UCBI: 9.55 )
Ranked among companies with meaningful ROE % only.
UCBI' s ROE % Range Over the Past 10 Years
Min: -64.17  Med: 5.88 Max: 37.91
Current: 9.55
-64.17
37.91
ROA % 1.00
UCBI's ROA % is ranked higher than
58% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UCBI: 1.00 )
Ranked among companies with meaningful ROA % only.
UCBI' s ROA % Range Over the Past 10 Years
Min: -6.51  Med: 0.63 Max: 3.84
Current: 1
-6.51
3.84
3-Year Revenue Growth Rate 6.30
UCBI's 3-Year Revenue Growth Rate is ranked higher than
61% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. UCBI: 6.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UCBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -42.1  Med: 3.85 Max: 87.7
Current: 6.3
-42.1
87.7
3-Year EBITDA Growth Rate 30.70
UCBI's 3-Year EBITDA Growth Rate is ranked higher than
89% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. UCBI: 30.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UCBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.8  Med: 13.5 Max: 30.7
Current: 30.7
-16.8
30.7
3-Year EPS without NRI Growth Rate -31.90
UCBI's 3-Year EPS without NRI Growth Rate is ranked lower than
93% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. UCBI: -31.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UCBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -31.9  Med: 14.3 Max: 42.1
Current: -31.9
-31.9
42.1
GuruFocus has detected 6 Warning Signs with United Community Banks Inc $UCBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UCBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

UCBI Guru Trades in Q1 2016

Jim Simons 1,008,811 sh (+34.51%)
» More
Q2 2016

UCBI Guru Trades in Q2 2016

Paul Tudor Jones 31,300 sh (New)
Jim Simons 1,572,468 sh (+55.87%)
» More
Q3 2016

UCBI Guru Trades in Q3 2016

Paul Tudor Jones Sold Out
Jim Simons 1,521,668 sh (-3.23%)
» More
Q4 2016

UCBI Guru Trades in Q4 2016

Mario Gabelli 23,000 sh (New)
Jim Simons 1,752,768 sh (+15.19%)
» More
» Details

Insider Trades

Latest Guru Trades with UCBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:EGBN, NAS:TOWN, NAS:CBF, NAS:LTXB, NYSE:FCB, NAS:SFBS, NAS:BANR, NAS:FIBK, NAS:BNCN, NAS:TRMK, NAS:SFNC, NAS:COLB, NAS:RNST, NAS:WSBC, NAS:ONB, NAS:FFBC, NAS:NBTB, NYSE:EVER, NYSE:GWB, NAS:INDB » details
Traded in other countries:UCBN.Germany,
United Community Banks Inc is a bank holding company. It offers a range of retail and corporate banking services, including checking, savings, and time deposit accounts, secured and unsecured loans, wire transfers, brokerage services.

United Community Banks Inc was incorporated under the laws of Georgia in 1987. It's a bank holding Company registered under the Bank Holding Company Act of 1956. The bank is a commercial bank that serves markets throughout north Georgia, coastal Georgia, the Atlanta, Georgia MSA, the Gainesville, Georgia MSA, western North Carolina, the Greenville, South Carolina MSA and east and central Tennessee and provides range of banking services. The Company has actively expanded its market coverage through organic growth complemented by selective acquisitions, mainly of banks whose managements share it's community banking and customer service philosophies. Although those acquisitions have directly contributed to United's growth over the last ten years, their contribution has mainly been to provide them access to new markets with attractive growth potential. Organic growth in assets includes growth through existing offices as well as growth at de novo locations and post-acquisition growth at acquired banking offices. It conducts all of its operations through a community-focused operating model of separate community banks. The community banks offer a range of retail and corporate banking services, including checking, savings, and time deposit accounts, secured and unsecured loans, wire transfers, brokerage services, and other financial services, and are led by local bank presidents and management with considerable experience in, and ties to, their communities. Each of the community bank presidents has authority to make most credit decisions. The bank, through its full-service retail mortgage lending division, United Community Mortgage Services, is approved as a seller/servicer for Federal National Mortgage Association and Federal Home Loan Mortgage Corporation and provides fixed and adjustable-rate home mortgages. The bank owns an insurance agency, United Community Insurance Services, Inc. The bank makes both secured and unsecured loans to individuals, firms, and corporations. It also makes direct installment loans to consumers on both a secured and unsecured basis. It provides retail brokerage services through an affiliation with a third party broker/dealer. Its competitors include other commercial banks, savings banks, savings and loan associations, credit unions, mortgage companies, and brokerage firms. United is a registered bank holding Company subject to regulation by the Federal Reserve under the Bank Holding Company Act of 1956, as amended (the "BHC Act").

Ratios

vs
industry
vs
history
PE Ratio 21.09
UCBI's PE Ratio is ranked lower than
74% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. UCBI: 21.09 )
Ranked among companies with meaningful PE Ratio only.
UCBI' s PE Ratio Range Over the Past 10 Years
Min: 2.76  Med: 16.57 Max: 31.18
Current: 21.09
2.76
31.18
Forward PE Ratio 17.99
UCBI's Forward PE Ratio is ranked lower than
64% of the 390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.21 vs. UCBI: 17.99 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 21.09
UCBI's PE Ratio without NRI is ranked lower than
74% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. UCBI: 21.09 )
Ranked among companies with meaningful PE Ratio without NRI only.
UCBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.76  Med: 16.57 Max: 31.18
Current: 21.09
2.76
31.18
Price-to-Owner-Earnings 18.70
UCBI's Price-to-Owner-Earnings is ranked lower than
62% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. UCBI: 18.70 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UCBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.77  Med: 13.14 Max: 60.07
Current: 18.7
4.77
60.07
PB Ratio 1.97
UCBI's PB Ratio is ranked lower than
83% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UCBI: 1.97 )
Ranked among companies with meaningful PB Ratio only.
UCBI' s PB Ratio Range Over the Past 10 Years
Min: 0.16  Med: 1.3 Max: 2.62
Current: 1.97
0.16
2.62
PS Ratio 5.26
UCBI's PS Ratio is ranked lower than
78% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. UCBI: 5.26 )
Ranked among companies with meaningful PS Ratio only.
UCBI' s PS Ratio Range Over the Past 10 Years
Min: 0.39  Med: 2.58 Max: 5.34
Current: 5.26
0.39
5.34
Price-to-Free-Cash-Flow 29.76
UCBI's Price-to-Free-Cash-Flow is ranked lower than
82% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. UCBI: 29.76 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UCBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.85  Med: 5.66 Max: 57.01
Current: 29.76
0.85
57.01
Price-to-Operating-Cash-Flow 24.94
UCBI's Price-to-Operating-Cash-Flow is ranked lower than
80% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. UCBI: 24.94 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UCBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.81  Med: 5.23 Max: 27.89
Current: 24.94
0.81
27.89
EV-to-EBIT 17.18
UCBI's EV-to-EBIT is ranked lower than
64% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. UCBI: 17.18 )
Ranked among companies with meaningful EV-to-EBIT only.
UCBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -45  Med: 13.4 Max: 651.2
Current: 17.18
-45
651.2
EV-to-EBITDA 15.00
UCBI's EV-to-EBITDA is ranked lower than
62% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. UCBI: 15.00 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -184.7  Med: 10.9 Max: 33.3
Current: 15
-184.7
33.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.03
UCBI's Dividend Yield % is ranked lower than
87% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. UCBI: 1.03 )
Ranked among companies with meaningful Dividend Yield % only.
UCBI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.18  Med: 1.09 Max: 5.32
Current: 1.03
0.18
5.32
Dividend Payout Ratio 0.22
UCBI's Dividend Payout Ratio is ranked higher than
97% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UCBI: 0.22 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UCBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.21 Max: 0.29
Current: 0.22
0.1
0.29
Forward Dividend Yield % 1.22
UCBI's Forward Dividend Yield % is ranked lower than
88% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. UCBI: 1.22 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.03
UCBI's 5-Year Yield-on-Cost % is ranked lower than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. UCBI: 1.03 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UCBI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.18  Med: 1.09 Max: 5.32
Current: 1.03
0.18
5.32
3-Year Average Share Buyback Ratio -6.70
UCBI's 3-Year Average Share Buyback Ratio is ranked lower than
69% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. UCBI: -6.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
UCBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -80.3  Med: -7.1 Max: -0.7
Current: -6.7
-80.3
-0.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.32
UCBI's Price-to-Tangible-Book is ranked lower than
83% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. UCBI: 2.32 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UCBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.41  Med: 1.59 Max: 3.73
Current: 2.32
0.41
3.73
Price-to-Intrinsic-Value-Projected-FCF 1.01
UCBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
65% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UCBI: 1.01 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UCBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.59 Max: 2.88
Current: 1.01
0.14
2.88
Price-to-Median-PS-Value 2.04
UCBI's Price-to-Median-PS-Value is ranked lower than
93% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. UCBI: 2.04 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UCBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.22  Med: 1.46 Max: 2.07
Current: 2.04
0.22
2.07
Price-to-Graham-Number 1.47
UCBI's Price-to-Graham-Number is ranked lower than
81% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. UCBI: 1.47 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UCBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.53  Med: 1.31 Max: 1.89
Current: 1.47
0.53
1.89
Earnings Yield (Greenblatt) % 5.82
UCBI's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. UCBI: 5.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UCBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 6.3 Max: 13.5
Current: 5.82
0.2
13.5
Forward Rate of Return (Yacktman) % 26.38
UCBI's Forward Rate of Return (Yacktman) % is ranked higher than
80% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. UCBI: 26.38 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
UCBI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 3.3  Med: 33.7 Max: 120.3
Current: 26.38
3.3
120.3

More Statistics

Revenue (TTM) (Mil) $403.5
EPS (TTM) $ 1.40
Beta0.81
Short Percentage of Float0.92%
52-Week Range $16.26 - 30.47
Shares Outstanding (Mil)72.16

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.64 1.83
EPS without NRI ($) 1.64 1.83
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.32 0.32
» More Articles for UCBI

Headlines

Articles On GuruFocus.com
A Look at Most Recent Insider Trades Nov 27 2015 
Methode, Dillard’s and Micron Are on the Casualty List Jul 01 2015 
United Community Banks Inc. Reports Operating Results (10-K) Mar 16 2011 
Weekly CFO Buys Highlight: CETV, TSON, UCBI, RONE, GTEC Nov 21 2010 
United Community Banks Inc. (UCBI) CEO Jimmy C Tallent buys 29,000 Shares Nov 17 2010 
United Community Banks Inc. (UCBI) CFO Rex S Schuette buys 9,000 Shares Nov 16 2010 
United Community Banks Inc. Reports Operating Results (10-Q) Nov 04 2010 
United Community Banks Inc. Reports Operating Results (10-Q) Aug 04 2010 
United Community Banks Inc. Reports Operating Results (10-Q) May 05 2010 
United Community Banks Inc. Reports Operating Results (10-Q) Nov 04 2009 

More From Other Websites
United Community Banks, Inc. Announces Quarterly Cash Dividend Increase Feb 16 2017
United Community Bank Named to Forbes List of Best 100 Banks in America Feb 07 2017
United Community Banks, Inc. : UCBI-US: Dividend Analysis : December 15th, 2016 (record date) : By... Feb 01 2017
United Community Banks, Inc. breached its 50 day moving average in a Bearish Manner : UCBI-US :... Jan 31 2017
United Community Banks, Inc. :UCBI-US: Earnings Analysis: Q4, 2016 By the Numbers : January 26, 2017 Jan 26 2017
Edited Transcript of UCBI earnings conference call or presentation 25-Jan-17 4:00pm GMT Jan 25 2017
United Community Banks Inc Earnings Call scheduled for 11:00 am ET today Jan 25 2017
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jan 25 2017
Q4 2016 United Community Banks Inc Earnings Release - Before Market Open Jan 25 2017
United Community Banks beats 4Q profit forecasts Jan 25 2017
United Community Banks beats 4Q profit forecasts Jan 25 2017
United Community Banks, Inc. Announces Fourth Quarter Earnings Jan 25 2017
ETFs with exposure to United Community Banks, Inc. : January 20, 2017 Jan 20 2017
United Community Banks, Inc. breached its 50 day moving average in a Bearish Manner : UCBI-US :... Jan 18 2017
United Community Banks, Inc. Announces Date for Fourth Quarter and Full Year 2016 Earnings Release... Jan 04 2017
United Community Banks, Inc. Announces Date for Fourth Quarter and Full Year 2016 Earnings Release... Jan 04 2017
ETFs with exposure to United Community Banks, Inc. : December 30, 2016 Dec 30 2016
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 20 2016
United Community Banks, Inc. Announces Chief Financial Officer's Retirement in 2017 Dec 19 2016
United Community Banks, Inc. Announces Chief Financial Officer’s Retirement in 2017 Dec 19 2016

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