Switch to:

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 0.39
UCBI's Cash to Debt is ranked lower than
71% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. UCBI: 0.39 )
Ranked among companies with meaningful Cash to Debt only.
UCBI' s 10-Year Cash to Debt Range
Min: 0.13  Med: 0.38 Max: N/A
Current: 0.39
Equity to Asset 0.10
UCBI's Equity to Asset is ranked lower than
51% of the 1355 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 10-Year Equity to Asset Range
Min: 0.05  Med: 0.09 Max: 0.12
Current: 0.1
0.05
0.12
Interest Coverage 4.19
UCBI's Interest Coverage is ranked higher than
76% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. UCBI: 4.19 )
Ranked among companies with meaningful Interest Coverage only.
UCBI' s 10-Year Interest Coverage Range
Min: 0.32  Med: 0.76 Max: 4.19
Current: 4.19
0.32
4.19
F-Score: 5
WACC vs ROIC
13.41%
7.27%
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 (%) 38.54
UCBI's Operating margin (%) is ranked higher than
70% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. UCBI: 38.54 )
Ranked among companies with meaningful Operating margin (%) only.
UCBI' s 10-Year Operating margin (%) Range
Min: -274.46  Med: 12.50 Max: 38.45
Current: 38.54
-274.46
38.45
Net-margin (%) 24.19
UCBI's Net-margin (%) is ranked higher than
58% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. UCBI: 24.19 )
Ranked among companies with meaningful Net-margin (%) only.
UCBI' s 10-Year Net-margin (%) Range
Min: -173.46  Med: 22.16 Max: 120.98
Current: 24.19
-173.46
120.98
ROE (%) 9.41
UCBI's ROE (%) is ranked higher than
58% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. UCBI: 9.41 )
Ranked among companies with meaningful ROE (%) only.
UCBI' s 10-Year ROE (%) Range
Min: -64.17  Med: 12.84 Max: 37.91
Current: 9.41
-64.17
37.91
ROA (%) 0.93
UCBI's ROA (%) is ranked higher than
54% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UCBI: 0.93 )
Ranked among companies with meaningful ROA (%) only.
UCBI' s 10-Year ROA (%) Range
Min: -6.51  Med: 0.96 Max: 3.84
Current: 0.93
-6.51
3.84
Revenue Growth (3Y)(%) -13.30
UCBI's Revenue Growth (3Y)(%) is ranked lower than
89% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. UCBI: -13.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UCBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -42.1  Med: 8.10 Max: 87.7
Current: -13.3
-42.1
87.7
» UCBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

UCBI Guru Trades in Q3 2014

Paul Tudor Jones 33,141 sh (New)
Jim Simons 52,700 sh (+162.19%)
» More
Q4 2014

UCBI Guru Trades in Q4 2014

Jim Simons 91,000 sh (+72.68%)
Paul Tudor Jones 13,214 sh (-60.13%)
» More
Q1 2015

UCBI Guru Trades in Q1 2015

Jim Simons 141,700 sh (+55.71%)
Paul Tudor Jones Sold Out
» More
Q2 2015

UCBI Guru Trades in Q2 2015

Paul Tudor Jones 32,255 sh (New)
Jim Simons 639,406 sh (+351.24%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 16.73
UCBI's P/E(ttm) is ranked lower than
69% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. UCBI: 16.73 )
Ranked among companies with meaningful P/E(ttm) only.
UCBI' s 10-Year P/E(ttm) Range
Min: 2.76  Med: 18.23 Max: 114.43
Current: 16.73
2.76
114.43
Forward P/E 13.26
UCBI's Forward P/E is ranked lower than
66% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. UCBI: 13.26 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
UCBI's PE(NRI) is ranked lower than
69% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. UCBI: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
UCBI' s 10-Year PE(NRI) Range
Min: 2.76  Med: 18.24 Max: 113
Current: 16.7
2.76
113
P/B 1.48
UCBI's P/B is ranked lower than
76% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. UCBI: 1.48 )
Ranked among companies with meaningful P/B only.
UCBI' s 10-Year P/B Range
Min: 0.16  Med: 1.36 Max: 2.92
Current: 1.48
0.16
2.92
P/S 4.02
UCBI's P/S is ranked lower than
73% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. UCBI: 4.02 )
Ranked among companies with meaningful P/S only.
UCBI' s 10-Year P/S Range
Min: 0.4  Med: 2.60 Max: 5.59
Current: 4.02
0.4
5.59
PFCF 10.76
UCBI's PFCF is ranked lower than
52% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. UCBI: 10.76 )
Ranked among companies with meaningful PFCF only.
UCBI' s 10-Year PFCF Range
Min: 1.09  Med: 6.72 Max: 56.73
Current: 10.76
1.09
56.73
POCF 10.04
UCBI's POCF is ranked lower than
56% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. UCBI: 10.04 )
Ranked among companies with meaningful POCF only.
UCBI' s 10-Year POCF Range
Min: 0.81  Med: 5.24 Max: 31.04
Current: 10.04
0.81
31.04
EV-to-EBIT 13.58
UCBI's EV-to-EBIT is ranked lower than
51% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. UCBI: 13.58 )
Ranked among companies with meaningful EV-to-EBIT only.
UCBI' s 10-Year EV-to-EBIT Range
Min: -45  Med: 14.40 Max: 651.2
Current: 13.58
-45
651.2
Days Sales Outstanding 26.03
UCBI's Days Sales Outstanding is ranked higher than
67% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. UCBI: 26.03 )
Ranked among companies with meaningful Days Sales Outstanding only.
UCBI' s 10-Year Days Sales Outstanding Range
Min: 23.97  Med: 54.82 Max: 418.9
Current: 26.03
23.97
418.9

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.93
UCBI's Dividend Yield is ranked lower than
90% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. UCBI: 0.93 )
Ranked among companies with meaningful Dividend Yield only.
UCBI' s 10-Year Dividend Yield Range
Min: 0.18  Med: 1.01 Max: 5.33
Current: 0.93
0.18
5.33
Dividend Payout 0.15
UCBI's Dividend Payout is ranked higher than
85% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UCBI: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
UCBI' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.19 Max: 1.01
Current: 0.15
0.1
1.01
Yield on cost (5-Year) 0.93
UCBI's Yield on cost (5-Year) is ranked lower than
89% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. UCBI: 0.93 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UCBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.18  Med: 1.01 Max: 5.33
Current: 0.93
0.18
5.33
Share Buyback Rate -14.90
UCBI's Share Buyback Rate is ranked lower than
83% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UCBI: -14.90 )
Ranked among companies with meaningful Share Buyback Rate only.
UCBI' s 10-Year Share Buyback Rate Range
Min: -1.8  Med: -9.75 Max: -68.6
Current: -14.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
UCBI's Price/Tangible Book is ranked lower than
69% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UCBI: 1.47 )
Ranked among companies with meaningful Price/Tangible Book only.
UCBI' s 10-Year Price/Tangible Book Range
Min: 0.41  Med: 1.58 Max: 5.26
Current: 1.47
0.41
5.26
Price/Projected FCF 0.62
UCBI's Price/Projected FCF is ranked higher than
54% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. UCBI: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
UCBI' s 10-Year Price/Projected FCF Range
Min: 0.15  Med: 0.55 Max: 2.46
Current: 0.62
0.15
2.46
Price/Median PS Value 1.55
UCBI's Price/Median PS Value is ranked lower than
90% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. UCBI: 1.55 )
Ranked among companies with meaningful Price/Median PS Value only.
UCBI' s 10-Year Price/Median PS Value Range
Min: 0.24  Med: 1.35 Max: 33.67
Current: 1.55
0.24
33.67
Price/Graham Number 1.03
UCBI's Price/Graham Number is ranked lower than
69% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. UCBI: 1.03 )
Ranked among companies with meaningful Price/Graham Number only.
UCBI' s 10-Year Price/Graham Number Range
Min: 0.33  Med: 1.35 Max: 2.68
Current: 1.03
0.33
2.68
Earnings Yield (Greenblatt) (%) 7.42
UCBI's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UCBI: 7.42 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UCBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 5.40 Max: 13.5
Current: 7.42
0.2
13.5
Forward Rate of Return (Yacktman) (%) 39.80
UCBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. UCBI: 39.80 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
UCBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 2.5  Med: 25.20 Max: 120.3
Current: 39.8
2.5
120.3

Analyst Estimate

Dec15 Dec16
EPS($) 1.27 1.46
EPS without NRI($) 1.27 1.46

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:UCBN.Germany,
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").
» More Articles for NAS:UCBI

Headlines

Articles On GuruFocus.com
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 
United Community Banks Inc. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
United Community Banks, Inc. to Present at the Raymond James U.S. Bank Conference Sep 02 2015
United Community Banks, Inc. to Present at the Raymond James U.S. Bank Conference Sep 02 2015
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 01 2015
United Community Banks, Inc. Completes Merger With Palmetto Bancshares, Inc. and the Palmetto Bank Sep 01 2015
United Community Banks, Inc. Completes Merger With Palmetto Bancshares, Inc. and the Palmetto Bank Sep 01 2015
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Change in Directors or Principal Officers Aug 31 2015
United Community Banks, Inc. Earnings Q2, 2015 Aug 28 2015
UNITED COMMUNITY BANKS INC Financials Aug 20 2015
United Community Banks, Inc. Announces Shareholder Merger Election Results Aug 18 2015
United Community Banks, Inc. Announces Shareholder Merger Election Results Aug 18 2015
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation... Aug 14 2015
United Community Banks, Inc. Increases Quarterly Cash Dividend Aug 13 2015
United Community Banks, Inc. Increases Quarterly Cash Dividend Aug 13 2015
10-Q for United Community Banks, Inc. Aug 10 2015
UNITED COMMUNITY BANKS INC Files SEC form 10-Q, Quarterly Report Aug 07 2015
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Other... Aug 03 2015
United Community Banks, Inc. Announces Senior Note Offering Jul 30 2015
United Community Banks, Inc. Announces Senior Note Offering Jul 30 2015
Edited Transcript of UCBI earnings conference call or presentation 22-Jul-15 3:00pm GMT Jul 22 2015
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Results of Operations and Financial Condition, Other... Jul 22 2015
Q2 2015 United Community Banks Inc Earnings Release - Before Market Open Jul 22 2015
United Community Banks, Inc. Reports Net Operating Income of $20.0 Million for Second Quarter 2015,... Jul 22 2015
United Community Banks beats Street 2Q forecasts Jul 22 2015
United Community Banks beats Street 2Q forecasts Jul 22 2015
United Community Banks, Inc. Reports Net Operating Income of $20.0 Million for Second Quarter 2015,... Jul 22 2015
United Community Banks, Inc. Announces Date for Second Quarter 2015 Earnings Release and Conference... Jul 21 2015
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Jul 06 2015
8 Community Bank Stocks Face Mass Downgrade At Raymond James On 'Challenging' Operating Environment Jul 02 2015
United Comm Banks upgraded by Raymond James Jul 02 2015
United Community Banks, Inc. Announces Date for Second Quarter 2015 Earnings Release and Conference... Jun 29 2015
United Community Banks and Palmetto Bancshares Announce Merger Agreement Apr 22 2015
United Community Banks meets 1Q profit forecasts Apr 22 2015
United Community Banks meets 4Q profit forecasts Jan 21 2015
United Community Banks, Inc. to Participate in the 2014 Sandler O'Neill + Partners, L.P. East Coast... Nov 12 2014
United Community Banks, Inc. Increases Quarterly Cash Dividend Oct 16 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK