Hide

FocusBar

FeedbackFeedback
Subscribe to Premium Member
11.63 (1y: +37%)
Market Cap 663.25 M P/E(ttm) 30.80
Enterprise Value 1.04 B P/B 1.16
UCBI- NAS (USA)
United Community Banks, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$11.63
Switch to:

GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt 1.155
UCBI's Cash to Debt is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. UCBI: 1.155 )
UCBI' s 10-Year Cash to Debt Range
Min: 0.16   Max: 1.16
Current: 1.16
0.16
1.16
Equity to Asset 0.085
UCBI's Equity to Asset is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. UCBI: 0.085 )
UCBI' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.09
Current: 0.09
0.05
0.09
Interest Coverage No Debt
UCBI's Interest Coverage is ranked higher than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. UCBI: No Debt )
UCBI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.09
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 12.30
UCBI's Operating margin (%) is ranked lower than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. UCBI: 12.30 )
UCBI' s 10-Year Operating margin (%) Range
Min: -149.3   Max: 38
Current: 12.3
-149.3
38
Net-margin (%) 11.9
UCBI's Net-margin (%) is ranked lower than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. UCBI: 11.9 )
UCBI' s 10-Year Net-margin (%) Range
Min: -119.3   Max: 24.1
Current: 11.9
-119.3
24.1
ROE (%) 5.8
UCBI's ROE (%) is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. UCBI: 5.8 )
UCBI' s 10-Year ROE (%) Range
Min: -54.4   Max: 14.8
Current: 5.8
-54.4
14.8
ROA (%) 0.5
UCBI's ROA (%) is ranked higher than
62% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UCBI: 0.5 )
UCBI' s 10-Year ROA (%) Range
Min: -4.6   Max: 1
Current: 0.5
-4.6
1
Revenue Growth (%) -34
UCBI's Revenue Growth (%) is ranked lower than
70% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. UCBI: -34 )
UCBI' s 10-Year Revenue Growth (%) Range
Min: -34   Max: 9.7
Current: -34
-34
9.7
ยป UCBI's 10-Y Financials

Financials


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

» Details

Guru Trades
Q2 2012

UCBI Guru Trades in Q2 2012

Richard Perry 1,951,537 sh (New)
» More
Q3 2012

UCBI Guru Trades in Q3 2012

Arnold Schneider 81,455 sh (New)
Steven Cohen 22,537 sh (New)
Richard Perry 1,735,637 sh (-11.06%)
» More
Q4 2012

UCBI Guru Trades in Q4 2012

Arnold Schneider Sold Out
Steven Cohen Sold Out
Richard Perry Sold Out
» More
Q1 2013

UCBI Guru Trades in Q1 2013

Steven Cohen 15,939 sh (New)
Jim Simons 152,856 sh (New)
» More
» Details

Insider Trades

Latest Guru Trades with UCBI

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 $ 11.6334%0
Arnold Schneider 2012-12-31 Sold Out 0.06%$8.15 - $9.42 $ 11.6334%0
Arnold Schneider 2012-09-30 New Buy0.06%$6.44 - $8.66 $ 11.6347%81455
Richard Perry 2012-06-30 New Buy0.68%$7.78 - $9.75 $ 11.6332%1951537
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 30.80
UCBI's P/E(ttm) is ranked higher than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. UCBI: 30.80 )
UCBI' s 10-Year P/E(ttm) Range
Min: 0.61   Max: 30.77
Current: 30.8
0.61
30.77
P/B 1.16
UCBI's P/B is ranked lower than
64% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. UCBI: 1.16 )
UCBI' s 10-Year P/B Range
Min: 0.13   Max: 3.34
Current: 1.16
0.13
3.34
P/S 2.43
UCBI's P/S is ranked higher than
52% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. UCBI: 2.43 )
UCBI' s 10-Year P/S Range
Min: 0.42   Max: 5.36
Current: 2.43
0.42
5.36
PFCF 3.38
UCBI's PFCF is ranked higher than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. UCBI: 3.38 )
UCBI' s 10-Year PFCF Range
Min: 0.86   Max: 37.15
Current: 3.38
0.86
37.15
EV-to-EBIT 29.25
UCBI's EV-to-EBIT is ranked lower than
71% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. UCBI: 29.25 )
UCBI' s 10-Year EV-to-EBIT Range
Min: 7.6   Max: 75.7
Current: 29.25
7.6
75.7
Shiller P/E 18.6
UCBI's Shiller P/E is ranked higher than
97% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.60 vs. UCBI: 18.6 )
UCBI' s 10-Year Shiller P/E Range
Min: 0.44   Max: 55.07
Current: 18.6
0.44
55.07

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.1
UCBI's Price/Tangible Book is ranked higher than
53% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. UCBI: 1.1 )
UCBI' s 10-Year Price/Tangible Book Range
Min: 0.3   Max: 3.6
Current: 1.1
0.3
3.6
Price/DCF (Projected) 0.4
UCBI's Price/DCF (Projected) is ranked higher than
56% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.50 vs. UCBI: 0.4 )
UCBI' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 1.6
Current: 0.4
0.1
1.6
Price/Median PS Value 0.7
UCBI's Price/Median PS Value is ranked higher than
50% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UCBI: 0.7 )
UCBI' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.6
Current: 0.7
0.2
1.6
Price/Graham Number 1
UCBI's Price/Graham Number is ranked higher than
61% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. UCBI: 1 )
UCBI' s 10-Year Price/Graham Number Range
Min: 0.8   Max: 1.9
Current: 1
0.8
1.9
Earnings Yield (Greenblatt) 3.40
UCBI's Earnings Yield (Greenblatt) is ranked lower than
57% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. UCBI: 3.40 )
UCBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 13.2
Current: 3.4
1.3
13.2
Forward Rate of Return (Yacktman) 64.23
UCBI's Forward Rate of Return (Yacktman) is ranked higher than
95% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.01 vs. UCBI: 64.23 )
UCBI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 13.5   Max: 141.3
Current: 64.23
13.5
141.3

Business Description

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 MSA, the Gainesville MSA, western North Carolina and east Tennessee and provides a 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 United'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 United 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. United 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. Brintech, Inc., a subsidiary of the bank, is a consulting firm for the financial services industry. 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. United 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").
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป 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 

Personalized Checklist





Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names
Free 7-day Trial