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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 0.46
UCBI's Cash to Debt is ranked higher than
65% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. UCBI: 0.46 )
UCBI' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: 0.46

Equity to Asset 0.10
UCBI's Equity to Asset is ranked higher than
70% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UCBI: 0.10 )
UCBI' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.12
Current: 0.1

0.05
0.12
Interest Coverage 1.26
UCBI's Interest Coverage is ranked higher than
67% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. UCBI: 1.26 )
UCBI' s 10-Year Interest Coverage Range
Min: 0.32   Max: 1.26
Current: 1.26

0.32
1.26
F-Score: 3
Z-Score: 0.11
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 (%) 37.29
UCBI's Operating margin (%) is ranked higher than
85% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. UCBI: 37.29 )
UCBI' s 10-Year Operating margin (%) Range
Min: -292.22   Max: 38.03
Current: 37.29

-292.22
38.03
Net-margin (%) 23.77
UCBI's Net-margin (%) is ranked higher than
80% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. UCBI: 23.77 )
UCBI' s 10-Year Net-margin (%) Range
Min: -119.35   Max: 120.98
Current: 23.77

-119.35
120.98
ROE (%) 8.57
UCBI's ROE (%) is ranked higher than
76% of the 2016 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.57 vs. UCBI: 8.57 )
UCBI' s 10-Year ROE (%) Range
Min: -43.26   Max: 39.67
Current: 8.57

-43.26
39.67
ROA (%) 0.88
UCBI's ROA (%) is ranked higher than
76% of the 2019 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UCBI: 0.88 )
UCBI' s 10-Year ROA (%) Range
Min: -4.48   Max: 3.84
Current: 0.88

-4.48
3.84
ROC (Joel Greenblatt) (%) 62.98
UCBI's ROC (Joel Greenblatt) (%) is ranked higher than
72% of the 1989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.96 vs. UCBI: 62.98 )
UCBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -239.98   Max: 67.85
Current: 62.98

-239.98
67.85
Revenue Growth (%) -32.70
UCBI's Revenue Growth (%) is ranked higher than
51% of the 1727 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UCBI: -32.70 )
UCBI' s 10-Year Revenue Growth (%) Range
Min: -42.6   Max: 124.3
Current: -32.7

-42.6
124.3
» UCBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

UCBI Guru Trades in Q4 2013

Jim Simons 392,104 sh (+194.81%)
Paul Tudor Jones 21,482 sh (+106.56%)
Steven Cohen 28,188 sh (-26.39%)
» More
Q1 2014

UCBI Guru Trades in Q1 2014

Jim Simons 327,128 sh (-16.57%)
Steven Cohen 17,471 sh (-38.02%)
Paul Tudor Jones 10,047 sh (-53.23%)
» More
Q2 2014

UCBI Guru Trades in Q2 2014

Paul Tudor Jones Sold Out
Jim Simons 20,100 sh (-93.86%)
» More
Q3 2014

UCBI Guru Trades in Q3 2014

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Richard Perry 2012-12-31 Sold Out 0.62%$8.15 - $9.42 $ 17.6102%0
Arnold Schneider 2012-12-31 Sold Out 0.06%$8.15 - $9.42 $ 17.6102%0
Arnold Schneider 2012-09-30 New Buy0.06%$6.44 - $8.66 $ 17.6123%81455
Richard Perry 2012-06-30 New Buy0.68%$7.78 - $9.75 $ 17.6100%1951537
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 17.20
UCBI's P/E(ttm) is ranked higher than
74% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.50 vs. UCBI: 17.20 )
UCBI' s 10-Year P/E(ttm) Range
Min: 2.76   Max: 114.43
Current: 17.2

2.76
114.43
P/B 1.44
UCBI's P/B is ranked higher than
69% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. UCBI: 1.44 )
UCBI' s 10-Year P/B Range
Min: 0.16   Max: 4.3
Current: 1.44

0.16
4.3
P/S 3.87
UCBI's P/S is ranked higher than
70% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. UCBI: 3.87 )
UCBI' s 10-Year P/S Range
Min: 0.4   Max: 5.36
Current: 3.87

0.4
5.36
PFCF 11.97
UCBI's PFCF is ranked higher than
87% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. UCBI: 11.97 )
UCBI' s 10-Year PFCF Range
Min: 0.86   Max: 56.73
Current: 11.97

0.86
56.73
EV-to-EBIT 12.95
UCBI's EV-to-EBIT is ranked higher than
81% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.80 vs. UCBI: 12.95 )
UCBI' s 10-Year EV-to-EBIT Range
Min: -45   Max: 651.2
Current: 12.95

-45
651.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.34
UCBI's Dividend Yield is ranked lower than
94% of the 1871 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.25 vs. UCBI: 0.34 )
UCBI' s 10-Year Dividend Yield Range
Min: 0.18   Max: 5.33
Current: 0.34

0.18
5.33
Dividend Payout 0.06
UCBI's Dividend Payout is ranked higher than
98% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. UCBI: 0.06 )
UCBI' s 10-Year Dividend Payout Range
Min: 0.1   Max: 1.01
Current: 0.06

0.1
1.01
Yield on cost (5-Year) 0.30
UCBI's Yield on cost (5-Year) is ranked lower than
92% of the 1883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. UCBI: 0.30 )
UCBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.18   Max: 5.33
Current: 0.3

0.18
5.33
Share Buyback Rate -46.00
UCBI's Share Buyback Rate is ranked higher than
51% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UCBI: -46.00 )
UCBI' s 10-Year Share Buyback Rate Range
Min: -1.8   Max: -68.6
Current: -46

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
UCBI's Price/Tangible Book is ranked higher than
74% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. UCBI: 1.44 )
UCBI' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 5.26
Current: 1.44

0.41
5.26
Price/DCF (Projected) 0.55
UCBI's Price/DCF (Projected) is ranked higher than
90% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.54 vs. UCBI: 0.55 )
UCBI' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 1.82
Current: 0.55

0.14
1.82
Price/Median PS Value 1.49
UCBI's Price/Median PS Value is ranked higher than
66% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. UCBI: 1.49 )
UCBI' s 10-Year Price/Median PS Value Range
Min: 0.23   Max: 33.51
Current: 1.49

0.23
33.51
Price/Graham Number 1.02
UCBI's Price/Graham Number is ranked higher than
77% of the 2626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UCBI: 1.02 )
UCBI' s 10-Year Price/Graham Number Range
Min: 0.33   Max: 3.89
Current: 1.02

0.33
3.89
Earnings Yield (Greenblatt) 7.70
UCBI's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UCBI: 7.70 )
UCBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 13.5
Current: 7.7

0.2
13.5
Forward Rate of Return (Yacktman) 43.50
UCBI's Forward Rate of Return (Yacktman) is ranked higher than
86% of the 1512 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.69 vs. UCBI: 43.50 )
UCBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 120.3
Current: 43.5

2.5
120.3

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 UCBI

Headlines

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

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