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United Community Banks (United Community Banks) Shiller PE Ratio : 12.30 (As of Apr. 29, 2024)


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What is United Community Banks Shiller PE Ratio?

As of today (2024-04-29), United Community Banks's current share price is $25.70. United Community Banks's E10 for the quarter that ended in Dec. 2023 was $2.09. United Community Banks's Shiller PE Ratio for today is 12.30.

The historical rank and industry rank for United Community Banks's Shiller PE Ratio or its related term are showing as below:

UCBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.41   Med: 14.2   Max: 121.53
Current: 12.3

During the past years, United Community Banks's highest Shiller PE Ratio was 121.53. The lowest was 8.41. And the median was 14.20.

UCBI's Shiller PE Ratio is ranked worse than
66.78% of 1132 companies
in the Banks industry
Industry Median: 10.36 vs UCBI: 12.30

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

United Community Banks's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.110. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.09 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


United Community Banks Shiller PE Ratio Historical Data

The historical data trend for United Community Banks's Shiller PE Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

United Community Banks Shiller PE Ratio Chart

United Community Banks Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 93.84 17.06 13.87 14.02

United Community Banks Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Shiller PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.20 12.00 12.03 14.02 -

Competitive Comparison of United Community Banks's Shiller PE Ratio

For the Banks - Regional subindustry, United Community Banks's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


United Community Banks's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Community Banks's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where United Community Banks's Shiller PE Ratio falls into.



United Community Banks Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

United Community Banks's Shiller PE Ratio for today is calculated as

Shiller PE Ratio=Share Price/ E10
=25.70/2.09
=12.30

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

United Community Banks's E10 for the quarter that ended in Dec. 2023 is calculated as:

For example, United Community Banks's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.11/129.4194*129.4194
=0.110

Current CPI (Dec. 2023) = 129.4194.

United Community Banks Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201403 0.250 99.695 0.325
201406 0.270 100.560 0.347
201409 0.290 100.428 0.374
201412 0.300 99.070 0.392
201503 0.290 99.621 0.377
201506 0.280 100.684 0.360
201509 0.270 100.392 0.348
201512 0.250 99.792 0.324
201603 0.310 100.470 0.399
201606 0.350 101.688 0.445
201609 0.360 101.861 0.457
201612 0.380 101.863 0.483
201703 0.330 102.862 0.415
201706 0.390 103.349 0.488
201709 0.380 104.136 0.472
201712 -0.160 104.011 -0.199
201803 0.470 105.290 0.578
201806 0.490 106.317 0.596
201809 0.540 106.507 0.656
201812 0.560 105.998 0.684
201903 0.550 107.251 0.664
201906 0.550 108.070 0.659
201909 0.600 108.329 0.717
201912 0.610 108.420 0.728
202003 0.400 108.902 0.475
202006 0.320 108.767 0.381
202009 0.520 109.815 0.613
202012 0.660 109.897 0.777
202103 0.820 111.754 0.950
202106 0.780 114.631 0.881
202109 0.820 115.734 0.917
202112 0.550 117.630 0.605
202203 0.430 121.301 0.459
202206 0.610 125.017 0.631
202209 0.740 125.227 0.765
202212 0.740 125.222 0.765
202303 0.520 127.348 0.528
202306 0.530 128.729 0.533
202309 0.390 129.860 0.389
202312 0.110 129.419 0.110

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


United Community Banks  (NAS:UCBI) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


United Community Banks Shiller PE Ratio Related Terms

Thank you for viewing the detailed overview of United Community Banks's Shiller PE Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


United Community Banks (United Community Banks) Business Description

Traded in Other Exchanges
Address
125 Highway 515 East, Blairsville, GA, USA, 30512
United Community Banks Inc is a bank holding company that operates through its wholly-owned subsidiary, Union Community Bank. The bank has scores of offices throughout portions of Georgia, Tennessee, and the Carolinas. It has traditionally grown through the organic growth of existing offices and de novo locations, complemented by selective acquisitions. United conducts substantially all of its operations through a community-focused operating model of separate community banks. The community banks offer a full range of retail and corporate banking services, including checking, savings, and time deposit accounts, as well as secured and unsecured loans, wire transfers, brokerage services, and other financial services. The bank's loan portfolio is well-diversified but predominantly commercial.
Executives
Abraham Cox officer: CHIEF MARKETING OFFICER C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30512
Richard Bradshaw officer: President, Specialized Lending C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
George B. Bell director C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30512
Kenneth L Daniels director C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30512
Holly N Berry officer: Chief Human Resources Officer C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
H Lynn Harton officer: Chief Operating Officer C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30512
Robert H Blalock director C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
Jennifer M. Bazante director C/O UNITED COMMUNITY BANKS INC., PO BOX 398, BLAIRSVILLE GA 30514
Robert A. Edwards officer: EVP, CHIEF CREDIT OFFICER C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
Jefferson L Harralson officer: EVP, CFO C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
Alan H Kumler officer: VP & Controller C/O UNITED COMMUNITY BANKS INC, PO BOX 398, BLAIRSVILLE GA 30514
James P Clements director C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
Thomas A Richlovsky director C/O UNITED COMMUNITY BANKS, INC., P.O. BOX 398, BLAIRSVILLE GA 30514
Melinda Davis Lux officer: EVP, GENERAL COUNSEL C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
Mark Aaron Terry officer: Chief Information Officer C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514