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United Community Banks (FRA:UCBN) Cyclically Adjusted FCF per Share : €2.61 (As of Sep. 2024)


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What is United Community Banks Cyclically Adjusted FCF per Share?

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. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and 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 for the three months ended in Sep. 2024 was €-0.016. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €2.61 for the trailing ten years ended in Sep. 2024.

During the past 12 months, United Community Banks's average Cyclically Adjusted FCF Growth Rate was 0.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 4.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was -6.20% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was -10.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of United Community Banks was 8.70% per year. The lowest was -22.00% per year. And the median was -6.00% per year.

As of today (2025-01-19), United Community Banks's current stock price is €31.20. United Community Banks's Cyclically Adjusted FCF per Share for the quarter that ended in Sep. 2024 was €2.61. United Community Banks's Cyclically Adjusted Price-to-FCF of today is 11.95.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of United Community Banks was 14.48. The lowest was 2.49. And the median was 7.26.


United Community Banks Cyclically Adjusted FCF per Share Historical Data

The historical data trend for United Community Banks's Cyclically Adjusted FCF per Share 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 FCF per Share Chart

United Community Banks Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.77 2.04 2.40 2.83 2.67

United Community Banks Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Cyclically Adjusted FCF per Share 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 2.74 2.67 2.66 2.77 2.61

Competitive Comparison of United Community Banks's Cyclically Adjusted FCF per Share

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 FCF per Share Calculation

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. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and 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.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

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. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get 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.

For example, United Community Banks's adjusted Free Cash Flow per Share data for the three months ended in Sep. 2024 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=-0.016/133.0289*133.0289
=-0.016

Current CPI (Sep. 2024) = 133.0289.

United Community Banks Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201412 0.459 99.070 0.616
201503 0.373 99.621 0.498
201506 0.383 100.684 0.506
201509 0.591 100.392 0.783
201512 0.096 99.792 0.128
201603 -0.028 100.470 -0.037
201606 0.286 101.688 0.374
201609 0.637 101.861 0.832
201612 0.667 101.863 0.871
201703 0.771 102.862 0.997
201706 0.331 103.349 0.426
201709 0.527 104.136 0.673
201712 0.593 104.011 0.758
201803 0.680 105.290 0.859
201806 0.430 106.317 0.538
201809 0.851 106.507 1.063
201812 0.733 105.998 0.920
201903 0.268 107.251 0.332
201906 0.118 108.070 0.145
201909 0.510 108.329 0.626
201912 0.603 108.420 0.740
202003 -0.152 108.902 -0.186
202006 0.285 108.767 0.349
202009 0.347 109.815 0.420
202012 0.871 109.897 1.054
202103 0.309 111.754 0.368
202106 1.099 114.631 1.275
202109 1.122 115.734 1.290
202112 0.684 117.630 0.774
202203 1.644 121.301 1.803
202206 1.219 125.017 1.297
202209 1.432 125.227 1.521
202212 0.728 125.222 0.773
202303 0.545 127.348 0.569
202306 0.587 128.729 0.607
202309 0.563 129.860 0.577
202312 0.065 129.419 0.067
202403 0.577 131.776 0.582
202406 0.677 132.554 0.679
202409 -0.016 133.029 -0.016

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


United Community Banks  (FRA:UCBN) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

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 Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=31.20/2.61
=11.95

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of United Community Banks was 14.48. The lowest was 2.49. And the median was 7.26.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


United Community Banks Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of United Community Banks's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


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.

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