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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 0.23
UCBI's Cash to Debt is ranked lower than
84% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.30 vs. UCBI: 0.23 )
Ranked among companies with meaningful Cash to Debt only.
UCBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.38 Max: N/A
Current: 0.23
Equity to Asset 0.11
UCBI's Equity to Asset is ranked higher than
57% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UCBI: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
UCBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.09 Max: 0.12
Current: 0.11
0.05
0.12
Interest Coverage 5.87
UCBI's Interest Coverage is ranked higher than
83% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. UCBI: 5.87 )
Ranked among companies with meaningful Interest Coverage only.
UCBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.09 Max: 5.45
Current: 5.87
0.32
5.45
F-Score: 5
M-Score: -2.44
WACC vs ROIC
5.71%
5.99%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 36.29
UCBI's Operating margin (%) is ranked higher than
63% of the 1633 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. UCBI: 36.29 )
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: 38.45
Current: 36.29
-149.27
38.45
Net-margin (%) 22.56
UCBI's Net-margin (%) is ranked higher than
51% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.26 vs. UCBI: 22.56 )
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: 22.56
-173.46
99.41
ROE (%) 8.44
UCBI's ROE (%) is ranked higher than
51% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.38 vs. UCBI: 8.44 )
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: 8.44
-64.17
37.91
ROA (%) 0.89
UCBI's ROA (%) is ranked higher than
51% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. UCBI: 0.89 )
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: 0.89
-6.51
3.84
Revenue Growth (3Y)(%) 0.80
UCBI's Revenue Growth (3Y)(%) is ranked lower than
62% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. UCBI: 0.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
UCBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -42.1  Med: 4.8 Max: 87.7
Current: 0.8
-42.1
87.7
EBITDA Growth (3Y)(%) 21.70
UCBI's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. UCBI: 21.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
UCBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.8  Med: 15.8 Max: 22.5
Current: 21.7
-16.8
22.5
EPS Growth (3Y)(%) 42.10
UCBI's EPS Growth (3Y)(%) is ranked higher than
90% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. UCBI: 42.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
UCBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -4  Med: 14.3 Max: 42.1
Current: 42.1
-4
42.1
» UCBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-27)


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

» Details

Guru Trades

Q3 2015

UCBI Guru Trades in Q3 2015

Jim Simons 592,568 sh (-7.33%)
Paul Tudor Jones 18,900 sh (-41.40%)
» More
Q4 2015

UCBI Guru Trades in Q4 2015

Jim Simons 749,981 sh (+26.56%)
Paul Tudor Jones Sold Out
» More
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
» 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
Compare:NAS:LTXB, AMEX:PRK, NAS:RNST, NAS:BANR, NAS:INDB, NAS:SFNC, NAS:NPBC, NAS:NBTB, NAS:SFBS, NAS:FIBK, NYSE:FCB, NAS:FFBC, NAS:HOPE, NYSE:YDKN, NAS:TLMR, NAS:FMBI, NAS:CBF, NAS:WABC, NAS:WSBC, NAS:ABCB » 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
P/E(ttm) 17.36
UCBI's P/E(ttm) is ranked lower than
69% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.25 vs. UCBI: 17.36 )
Ranked among companies with meaningful P/E(ttm) only.
UCBI' s P/E(ttm) Range Over the Past 10 Years
Min: 2.76  Med: 16.67 Max: 31.18
Current: 17.36
2.76
31.18
Forward P/E 14.33
UCBI's Forward P/E is ranked lower than
52% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.62 vs. UCBI: 14.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 17.36
UCBI's PE(NRI) is ranked lower than
68% of the 1488 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.29 vs. UCBI: 17.36 )
Ranked among companies with meaningful PE(NRI) only.
UCBI' s PE(NRI) Range Over the Past 10 Years
Min: 2.76  Med: 16.67 Max: 31.18
Current: 17.36
2.76
31.18
Price/Owner Earnings (ttm) 18.48
UCBI's Price/Owner Earnings (ttm) is ranked lower than
73% of the 830 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.71 vs. UCBI: 18.48 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
UCBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 4.77  Med: 13.2 Max: 60.07
Current: 18.48
4.77
60.07
P/B 1.38
UCBI's P/B is ranked lower than
71% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. UCBI: 1.38 )
Ranked among companies with meaningful P/B only.
UCBI' s P/B Range Over the Past 10 Years
Min: 0.16  Med: 1.31 Max: 2.76
Current: 1.38
0.16
2.76
P/S 3.81
UCBI's P/S is ranked lower than
64% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. UCBI: 3.81 )
Ranked among companies with meaningful P/S only.
UCBI' s P/S Range Over the Past 10 Years
Min: 0.39  Med: 2.59 Max: 5.12
Current: 3.81
0.39
5.12
PFCF 19.77
UCBI's PFCF is ranked lower than
78% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.53 vs. UCBI: 19.77 )
Ranked among companies with meaningful PFCF only.
UCBI' s PFCF Range Over the Past 10 Years
Min: 1.16  Med: 6.7 Max: 57.01
Current: 19.77
1.16
57.01
POCF 16.29
UCBI's POCF is ranked lower than
79% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.13 vs. UCBI: 16.29 )
Ranked among companies with meaningful POCF only.
UCBI' s POCF Range Over the Past 10 Years
Min: 0.81  Med: 5.24 Max: 27.89
Current: 16.29
0.81
27.89
EV-to-EBIT 15.92
UCBI's EV-to-EBIT is ranked lower than
60% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. UCBI: 15.92 )
Ranked among companies with meaningful EV-to-EBIT only.
UCBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -45  Med: 13.65 Max: 651.2
Current: 15.92
-45
651.2
EV-to-EBITDA 13.33
UCBI's EV-to-EBITDA is ranked lower than
57% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.32 vs. UCBI: 13.33 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -184.7  Med: 11 Max: 33.3
Current: 13.33
-184.7
33.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.27
UCBI's Dividend Yield is ranked lower than
83% of the 2218 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.95 vs. UCBI: 1.27 )
Ranked among companies with meaningful Dividend Yield only.
UCBI' s Dividend Yield Range Over the Past 10 Years
Min: 0.18  Med: 1.06 Max: 5.32
Current: 1.27
0.18
5.32
Dividend Payout 0.22
UCBI's Dividend Payout is ranked higher than
97% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. UCBI: 0.22 )
Ranked among companies with meaningful Dividend Payout only.
UCBI' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0.19 Max: 1.13
Current: 0.22
0
1.13
Forward Dividend Yield 1.56
UCBI's Forward Dividend Yield is ranked lower than
82% of the 2104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.14 vs. UCBI: 1.56 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.28
UCBI's Yield on cost (5-Year) is ranked lower than
84% of the 2523 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.51 vs. UCBI: 1.28 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
UCBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.18  Med: 1.06 Max: 5.32
Current: 1.28
0.18
5.32
3-Year Average Share Buyback Ratio -7.40
UCBI's 3-Year Average Share Buyback Ratio is ranked lower than
70% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. UCBI: -7.40 )
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: -7.4 Max: -0.7
Current: -7.4
-80.3
-0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
UCBI's Price/Tangible Book is ranked lower than
73% of the 1582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. UCBI: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
UCBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.41  Med: 1.62 Max: 5.26
Current: 1.6
0.41
5.26
Price/Projected FCF 0.71
UCBI's Price/Projected FCF is ranked lower than
53% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. UCBI: 0.71 )
Ranked among companies with meaningful Price/Projected FCF only.
UCBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.57 Max: 1.95
Current: 0.71
0.14
1.95
Price/Median PS Value 1.48
UCBI's Price/Median PS Value is ranked lower than
86% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. UCBI: 1.48 )
Ranked among companies with meaningful Price/Median PS Value only.
UCBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.22  Med: 1.36 Max: 33.83
Current: 1.48
0.22
33.83
Price/Graham Number 1.11
UCBI's Price/Graham Number is ranked lower than
70% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. UCBI: 1.11 )
Ranked among companies with meaningful Price/Graham Number only.
UCBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.28  Med: 1.16 Max: 1.9
Current: 1.11
0.28
1.9
Earnings Yield (Greenblatt) (%) 6.30
UCBI's Earnings Yield (Greenblatt) (%) is ranked higher than
51% of the 1597 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. UCBI: 6.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
UCBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 6.2 Max: 13.5
Current: 6.3
0.2
13.5
Forward Rate of Return (Yacktman) (%) 35.90
UCBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
85% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.09 vs. UCBI: 35.90 )
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  Med: 30.9 Max: 120.3
Current: 35.9
3
120.3

More Statistics

Revenue (TTM) (Mil) $370.7
EPS (TTM) $ 1.18
Beta0.69
Short Percentage of Float1.45%
52-Week Range $15.74 - 22.23
Shares Outstanding (Mil)70.82

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 1.43 1.57
EPS w/o NRI ($) 1.43 1.57
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.30 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 Financials Aug 17 2016
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Aug 10 2016
United Community Banks, Inc. Appoints Two New Board Members, David Shaver and David Wilkins Aug 10 2016
United Community Banks, Inc. Appoints Two New Board Members, David Shaver and David Wilkins Aug 10 2016
UNITED COMMUNITY BANKS INC Files SEC form 10-Q, Quarterly Report Aug 08 2016
United Community Banks, Inc. :UCBI-US: Earnings Analysis: Q2, 2016 By the Numbers : August 5, 2016 Aug 05 2016
Edited Transcript of UCBI earnings conference call or presentation 27-Jul-16 3:00pm GMT Jul 27 2016
United Community Banks Inc Earnings Call scheduled for 11:00 am ET today Jul 27 2016
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 27 2016
Q2 2016 United Community Banks Inc Earnings Release - Before Market Open Jul 27 2016
United Community Banks beats Street 2Q forecasts Jul 27 2016
United Community Banks beats Street 2Q forecasts Jul 27 2016
United Community Banks, Inc. Announces Quarterly Cash Dividend Increase Jul 27 2016
United Community Banks, Inc. Announces Second Quarter Earnings Jul 27 2016
United Community Banks, Inc. Announces Quarterly Cash Dividend Increase Jul 27 2016
United Community Banks, Inc. Announces Second Quarter Earnings Jul 27 2016
United Community Banks, Inc. breached its 50 day moving average in a Bearish Manner : UCBI-US : July... Jul 26 2016
United Community Banks, Inc. breached its 50 day moving average in a Bullish Manner : UCBI-US : July... Jul 15 2016
UNITED COMMUNITY BANKS INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 01 2016
United Community Banks, Inc. Announces Completion of Merger With Tidelands Bancshares, Inc. Jul 01 2016

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