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United Community Banks (United Community Banks) Cyclically Adjusted PS Ratio : 3.37 (As of Apr. 29, 2024)


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What is United Community Banks Cyclically Adjusted PS Ratio?

As of today (2024-04-29), United Community Banks's current share price is $25.98. United Community Banks's Cyclically Adjusted Revenue per Share for the quarter that ended in Dec. 2023 was $7.70. United Community Banks's Cyclically Adjusted PS Ratio for today is 3.37.

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

UCBI' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.43   Med: 2.64   Max: 5.83
Current: 3.37

During the past years, United Community Banks's highest Cyclically Adjusted PS Ratio was 5.83. The lowest was 0.43. And the median was 2.64.

UCBI's Cyclically Adjusted PS Ratio is ranked worse than
72.92% of 1189 companies
in the Banks industry
Industry Median: 2.39 vs UCBI: 3.37

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

United Community Banks's adjusted revenue per share data for the three months ended in Dec. 2023 was $1.464. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is $7.70 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


United Community Banks Cyclically Adjusted PS Ratio Historical Data

The historical data trend for United Community Banks's Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio Chart

United Community Banks Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.21 4.46 5.36 4.62 3.80

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 PS 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 3.75 3.28 3.29 3.80 -

Competitive Comparison of United Community Banks's Cyclically Adjusted PS Ratio

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

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

* The bar in red indicates where United Community Banks's Cyclically Adjusted PS Ratio falls into.



United Community Banks Cyclically Adjusted PS Ratio Calculation

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

United Community Banks's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=25.98/7.7
=3.37

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

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

Adj_RevenuePerShare=Revenue per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=1.464/129.4194*129.4194
=1.464

Current CPI (Dec. 2023) = 129.4194.

United Community Banks Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201403 1.099 99.695 1.427
201406 1.132 100.560 1.457
201409 1.168 100.428 1.505
201412 1.196 99.070 1.562
201503 1.197 99.621 1.555
201506 1.251 100.684 1.608
201509 1.263 100.392 1.628
201512 1.319 99.792 1.711
201603 1.296 100.470 1.669
201606 1.363 101.688 1.735
201609 1.472 101.861 1.870
201612 1.481 101.863 1.882
201703 1.473 102.862 1.853
201706 1.515 103.349 1.897
201709 1.508 104.136 1.874
201712 1.372 104.011 1.707
201803 1.587 105.290 1.951
201806 1.653 106.317 2.012
201809 1.708 106.507 2.075
201812 1.535 105.998 1.874
201903 1.662 107.251 2.006
201906 1.734 108.070 2.077
201909 1.806 108.329 2.158
201912 1.795 108.420 2.143
202003 1.766 108.902 2.099
202006 1.832 108.767 2.180
202009 1.975 109.815 2.328
202012 2.087 109.897 2.458
202103 1.963 111.754 2.273
202106 1.930 114.631 2.179
202109 2.019 115.734 2.258
202112 1.883 117.630 2.072
202203 1.855 121.301 1.979
202206 1.934 125.017 2.002
202209 2.118 125.227 2.189
202212 2.223 125.222 2.298
202303 2.039 127.348 2.072
202306 1.998 128.729 2.009
202309 1.917 129.860 1.911
202312 1.464 129.419 1.464

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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 PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


United Community Banks Cyclically Adjusted PS Ratio Related Terms

Thank you for viewing the detailed overview of United Community Banks's Cyclically Adjusted PS 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