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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.31
UCBI's Cash-to-Debt is ranked lower than
82% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. UCBI: 0.31 )
Ranked among companies with meaningful Cash-to-Debt only.
UCBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.35 Max: N/A
Current: 0.31
Equity-to-Asset 0.10
UCBI's Equity-to-Asset is ranked lower than
53% of the 1628 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. UCBI: 0.10 )
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: 0.1
0.05
0.12
Interest Coverage 6.29
UCBI's Interest Coverage is ranked higher than
84% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.72 vs. UCBI: 6.29 )
Ranked among companies with meaningful Interest Coverage only.
UCBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 2.73 Max: 6.46
Current: 6.29
0.32
6.46
Beneish M-Score: -2.48
WACC vs ROIC
5.91%
6.25%
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 : 3/10

vs
industry
vs
history
Operating Margin % 40.70
UCBI's Operating Margin % is ranked higher than
70% of the 1666 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. UCBI: 40.70 )
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: 40.7
Current: 40.7
-149.27
40.7
Net Margin % 24.52
UCBI's Net Margin % is ranked higher than
56% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.77 vs. UCBI: 24.52 )
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: 24.52
-173.46
99.41
ROE % 9.52
UCBI's ROE % is ranked higher than
58% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.51 vs. UCBI: 9.52 )
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: 9.52
-64.17
37.91
ROA % 0.99
UCBI's ROA % is ranked higher than
57% of the 1672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. UCBI: 0.99 )
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: 0.99
-6.51
3.84
3-Year Revenue Growth Rate 6.30
UCBI's 3-Year Revenue Growth Rate is ranked higher than
61% of the 1400 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. UCBI: 6.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
UCBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -42.1  Med: 6.2 Max: 87.7
Current: 6.3
-42.1
87.7
3-Year EBITDA Growth Rate 37.10
UCBI's 3-Year EBITDA Growth Rate is ranked higher than
93% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. UCBI: 37.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
UCBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -16.8  Med: 14.3 Max: 37.1
Current: 37.1
-16.8
37.1
3-Year EPS without NRI Growth Rate -31.90
UCBI's 3-Year EPS without NRI Growth Rate is ranked lower than
94% of the 1268 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. UCBI: -31.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
UCBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -31.9  Med: 13.75 Max: 42.1
Current: -31.9
-31.9
42.1
GuruFocus has detected 2 Warning Signs with United Community Banks Inc $UCBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» UCBI's 30-Y Financials

Financials (Next Earnings Date: 2017-10-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:RNST, NAS:SFBS, NAS:TOWN, NAS:CBF, NYSE:FCB, NYSE:YDKN, NAS:BANR, NAS:INDB, NYSE:CADE, NAS:BNCN, NAS:LTXB, NAS:FIBK, NAS:ABCB, NAS:WSBC, NAS:EGBN, NAS:FFBC, NAS:SFNC, NAS:TRMK, NAS:FRME, AMEX:PRK » details
Traded in other countries:UCBN.Germany,
Headquarter Location:USA
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 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 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.

Top Ranked Articles about United Community Banks Inc

United Community Banks, Inc. Announces Quarterly Cash Dividend
WeissLaw LLP: HCSB Financial Corp. Acquisition May Not Be in the Best Interests of HCFB Shareholders
United Community Banks, Inc. and HCSB Financial Corporation (Horry County State Bank) Announce Merger Agreement
United Community Banks, Inc. Announces Appointment of Jefferson Harralson as CFO
United Community Banks, Inc. Announces Annual Meeting of Shareholders
United Community Banks, Inc. Announces Date for First Quarter 2017 Earnings Release and Conference Call
BLAIRSVILLE, Ga., March 27, 2017 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NASDAQ:UCBI) announces it will release its first quarter 2017 financial results on Wednesday, April 26, 2017, before the stock market opens. The company also will hold a conference call at 11:00 a.m. ET on the same day to discuss its financial results, business highlights and outlook.
To access the call, dial (877) 380-5665 and use the conference number 97149143. The conference call also will be webcast and can be accessed by selecting “Events & Presentations” within the Investor Relations section of the company's website, www.ucbi.com.

About United Community Banks, Inc.
United Community Banks, Inc. (NASDAQ:UCBI) is a registered bank holding company based in Blairsville, Georgia with $10.7 billion in assets.  The company’s banking subsidiary, United Community Bank, is one of the southeast region’s largest full-service banks, operating 139 offices in Georgia, North Carolina, South Carolina and Tennessee.  The bank specializes in providing personalized community banking services to individuals, small businesses and corporations.  Services include a full range of consumer and commercial banking products including mortgage, advisory, and treasury management.  Respected national research firms consistently recognize United Community Bank for outstanding customer service: In 2014, 2015 and 2016, J.D. Power ranked United Community Bank first in customer satisfaction in the Southeast. In 2017, for the fourth consecutive year, Forbes included United among their list of the top 100 Best Banks in America.  Additional information about the company and the bank’s full range of products and services can be found at www.ucbi.com
For more information:

Rex S. Schuette
Chief Financial Officer
706-781-2265
[email protected]

Read more...

Ratios

vs
industry
vs
history
PE Ratio 18.82
UCBI's PE Ratio is ranked lower than
69% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.61 vs. UCBI: 18.82 )
Ranked among companies with meaningful PE Ratio only.
UCBI' s PE Ratio Range Over the Past 10 Years
Min: 2.76  Med: 16.57 Max: 31.18
Current: 18.82
2.76
31.18
Forward PE Ratio 16.47
UCBI's Forward PE Ratio is ranked lower than
57% of the 384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.67 vs. UCBI: 16.47 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.82
UCBI's PE Ratio without NRI is ranked lower than
69% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. UCBI: 18.82 )
Ranked among companies with meaningful PE Ratio without NRI only.
UCBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.76  Med: 16.57 Max: 31.18
Current: 18.82
2.76
31.18
Price-to-Owner-Earnings 9.70
UCBI's Price-to-Owner-Earnings is ranked higher than
67% of the 906 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.97 vs. UCBI: 9.70 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
UCBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 4.77  Med: 12.64 Max: 61.14
Current: 9.7
4.77
61.14
PB Ratio 1.71
UCBI's PB Ratio is ranked lower than
78% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. UCBI: 1.71 )
Ranked among companies with meaningful PB Ratio only.
UCBI' s PB Ratio Range Over the Past 10 Years
Min: 0.16  Med: 1.31 Max: 2.62
Current: 1.71
0.16
2.62
PS Ratio 4.63
UCBI's PS Ratio is ranked lower than
71% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.37 vs. UCBI: 4.63 )
Ranked among companies with meaningful PS Ratio only.
UCBI' s PS Ratio Range Over the Past 10 Years
Min: 0.4  Med: 2.6 Max: 5.34
Current: 4.63
0.4
5.34
Price-to-Free-Cash-Flow 10.48
UCBI's Price-to-Free-Cash-Flow is ranked higher than
55% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.48 vs. UCBI: 10.48 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
UCBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.85  Med: 5.68 Max: 56.71
Current: 10.48
0.85
56.71
Price-to-Operating-Cash-Flow 9.65
UCBI's Price-to-Operating-Cash-Flow is ranked higher than
54% of the 959 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.18 vs. UCBI: 9.65 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
UCBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.81  Med: 5.23 Max: 27.84
Current: 9.65
0.81
27.84
EV-to-EBIT 14.24
UCBI's EV-to-EBIT is ranked lower than
57% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. UCBI: 14.24 )
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: 14.24
-45
651.2
EV-to-EBITDA 12.14
UCBI's EV-to-EBITDA is ranked lower than
55% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.93 vs. UCBI: 12.14 )
Ranked among companies with meaningful EV-to-EBITDA only.
UCBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -184.7  Med: 11.1 Max: 33.3
Current: 12.14
-184.7
33.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.27
UCBI's Dividend Yield % is ranked lower than
81% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 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: 1.16 Max: 5.32
Current: 1.27
0.18
5.32
Dividend Payout Ratio 0.23
UCBI's Dividend Payout Ratio is ranked higher than
80% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. UCBI: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
UCBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.21 Max: 0.29
Current: 0.23
0.1
0.29
Forward Dividend Yield % 1.35
UCBI's Forward Dividend Yield % is ranked lower than
84% of the 2234 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. UCBI: 1.35 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.28
UCBI's 5-Year Yield-on-Cost % is ranked lower than
87% of the 2672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. UCBI: 1.28 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
UCBI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.18  Med: 1.16 Max: 5.32
Current: 1.28
0.18
5.32
3-Year Average Share Buyback Ratio -6.10
UCBI's 3-Year Average Share Buyback Ratio is ranked lower than
68% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. UCBI: -6.10 )
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: -7.25 Max: -0.7
Current: -6.1
-80.3
-0.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.00
UCBI's Price-to-Tangible-Book is ranked lower than
79% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. UCBI: 2.00 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
UCBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.41  Med: 1.63 Max: 5.26
Current: 2
0.41
5.26
Price-to-Intrinsic-Value-Projected-FCF 0.85
UCBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
56% of the 916 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. UCBI: 0.85 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
UCBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.6 Max: 2
Current: 0.85
0.14
2
Price-to-Median-PS-Value 1.78
UCBI's Price-to-Median-PS-Value is ranked lower than
89% of the 1561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. UCBI: 1.78 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
UCBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.24  Med: 1.39 Max: 33.67
Current: 1.78
0.24
33.67
Price-to-Peter-Lynch-Fair-Value 0.75
UCBI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
71% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. UCBI: 0.75 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
UCBI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.75  Med: 2.21 Max: 3.8
Current: 0.75
0.75
3.8
Price-to-Graham-Number 1.29
UCBI's Price-to-Graham-Number is ranked lower than
75% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. UCBI: 1.29 )
Ranked among companies with meaningful Price-to-Graham-Number only.
UCBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.27  Med: 1.18 Max: 1.9
Current: 1.29
0.27
1.9
Earnings Yield (Greenblatt) % 7.00
UCBI's Earnings Yield (Greenblatt) % is ranked higher than
56% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.85 vs. UCBI: 7.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
UCBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -177.5  Med: 5.1 Max: 13.5
Current: 7
-177.5
13.5
Forward Rate of Return (Yacktman) % 40.93
UCBI's Forward Rate of Return (Yacktman) % is ranked higher than
89% of the 955 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.14 vs. UCBI: 40.93 )
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: 3.3  Med: 35.7 Max: 120.3
Current: 40.93
3.3
120.3

More Statistics

Revenue (TTM) (Mil) $415.55
EPS (TTM) $ 1.42
Beta0.88
Short Percentage of Float1.93%
52-Week Range $17.07 - 30.47
Shares Outstanding (Mil)70.97

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.62 1.83
EPS without NRI ($) 1.62 1.83
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.36 0.40
» More Articles for UCBI

Headlines

Articles On GuruFocus.com
United Community Banks, Inc. Announces Quarterly Cash Dividend May 24 2017 
WeissLaw LLP: HCSB Financial Corp. Acquisition May Not Be in the Best Interests of HCFB Shareholders Apr 20 2017 
United Community Banks, Inc. and HCSB Financial Corporation (Horry County State Bank) Announce Merge Apr 20 2017 
United Community Banks, Inc. Announces Appointment of Jefferson Harralson as CFO Apr 17 2017 
United Community Banks, Inc. Announces Annual Meeting of Shareholders Mar 31 2017 
United Community Banks, Inc. Announces Date for First Quarter 2017 Earnings Release and Conference C Mar 27 2017 
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 

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United Community Banks, Inc. :UCBI-US: Earnings Analysis: Q1, 2017 By the Numbers : June 5, 2017 Jun 05 2017
United Community Banks, Inc. Announces Quarterly Cash Dividend May 24 2017
United Community Banks, Inc. breached its 50 day moving average in a Bearish Manner : UCBI-US : May... May 12 2017
Edited Transcript of UCBI earnings conference call or presentation 26-Apr-17 3:00pm GMT Apr 28 2017
United Community Banks, Inc. breached its 50 day moving average in a Bullish Manner : UCBI-US :... Apr 27 2017
United Community Banks beats 1Q profit forecasts Apr 26 2017
United Community Banks, Inc. Announces First Quarter Earnings Apr 26 2017
WeissLaw LLP: HCSB Financial Corp. Acquisition May Not Be in the Best Interests of HCFB Shareholders Apr 20 2017
United Community Banks, Inc. and HCSB Financial Corporation (Horry County State Bank) Announce... Apr 20 2017
​United Community Banks names Harralson CFO Apr 18 2017
United Community Banks, Inc. Announces Appointment of Jefferson Harralson as CFO Apr 17 2017
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