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United Community Banks (United Community Banks) Cyclically Adjusted Price-to-FCF : 8.99 (As of Apr. 29, 2024)


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What is United Community Banks Cyclically Adjusted Price-to-FCF?

As of today (2024-04-29), United Community Banks's current share price is $25.98. United Community Banks's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $2.89. United Community Banks's Cyclically Adjusted Price-to-FCF for today is 8.99.

The historical rank and industry rank for United Community Banks's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

UCBI' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 1.45   Med: 6.1   Max: 14.48
Current: 9

During the past years, United Community Banks's highest Cyclically Adjusted Price-to-FCF was 14.48. The lowest was 1.45. And the median was 6.10.

UCBI's Cyclically Adjusted Price-to-FCF is ranked worse than
60.74% of 838 companies
in the Banks industry
Industry Median: 7.415 vs UCBI: 9.00

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

United Community Banks's adjusted free cash flow per share data for the three months ended in Dec. 2023 was $0.071. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $2.89 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


United Community Banks Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for United Community Banks's Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF Chart

United Community Banks Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.97 11.09 13.33 11.24 10.14

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
Cyclically Adjusted Price-to-FCF 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 9.37 8.37 8.61 10.14 -

Competitive Comparison of United Community Banks's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, United Community Banks's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Community Banks's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where United Community Banks's Cyclically Adjusted Price-to-FCF falls into.



United Community Banks Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

United Community Banks's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=25.98/2.89
=8.99

* 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 Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, United Community Banks's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.071/129.4194*129.4194
=0.071

Current CPI (Dec. 2023) = 129.4194.

United Community Banks Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.440 99.695 0.571
201406 0.191 100.560 0.246
201409 0.358 100.428 0.461
201412 0.566 99.070 0.739
201503 0.404 99.621 0.525
201506 0.429 100.684 0.551
201509 0.663 100.392 0.855
201512 0.104 99.792 0.135
201603 -0.031 100.470 -0.040
201606 0.321 101.688 0.409
201609 0.715 101.861 0.908
201612 0.704 101.863 0.894
201703 0.825 102.862 1.038
201706 0.372 103.349 0.466
201709 0.628 104.136 0.780
201712 0.702 104.011 0.873
201803 0.838 105.290 1.030
201806 0.502 106.317 0.611
201809 0.994 106.507 1.208
201812 0.834 105.998 1.018
201903 0.303 107.251 0.366
201906 0.133 108.070 0.159
201909 0.562 108.329 0.671
201912 0.670 108.420 0.800
202003 -0.169 108.902 -0.201
202006 0.321 108.767 0.382
202009 0.409 109.815 0.482
202012 1.060 109.897 1.248
202103 0.368 111.754 0.426
202106 1.324 114.631 1.495
202109 1.320 115.734 1.476
202112 0.773 117.630 0.850
202203 1.811 121.301 1.932
202206 1.288 125.017 1.333
202209 1.418 125.227 1.465
202212 0.772 125.222 0.798
202303 0.583 127.348 0.592
202306 0.636 128.729 0.639
202309 0.600 129.860 0.598
202312 0.071 129.419 0.071

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

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) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


United Community Banks Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of United Community Banks's Cyclically Adjusted Price-to-FCF 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