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UCB (United Community Banks) Price-to-Free-Cash-Flow : 11.36 (As of Mar. 26, 2025)


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What is United Community Banks Price-to-Free-Cash-Flow?

As of today (2025-03-26), United Community Banks's share price is $28.67. United Community Banks's Free Cash Flow per Share for the trailing twelve months (TTM) ended in Dec. 2024 was $2.52. Hence, United Community Banks's Price-to-Free-Cash-Flow Ratio for today is 11.36.

The historical rank and industry rank for United Community Banks's Price-to-Free-Cash-Flow or its related term are showing as below:

UCB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.01   Med: 11.64   Max: 27.03
Current: 11.43

During the past 13 years, United Community Banks's highest Price-to-Free-Cash-Flow Ratio was 27.03. The lowest was 5.01. And the median was 11.64.

UCB's Price-to-Free-Cash-Flow is ranked worse than
71.15% of 1064 companies
in the Banks industry
Industry Median: 7.42 vs UCB: 11.43

United Community Banks's Free Cash Flow per Share for the three months ended in Dec. 2024 was $1.19. Its Free Cash Flow per Share for the trailing twelve months (TTM) ended in was $2.52.

During the past 12 months, the average Free Cash Flow per Share Growth Rate of United Community Banks was 34.20% per year. During the past 3 years, the average Free Cash Flow per Share Growth Rate was -12.60% per year. During the past 5 years, the average Free Cash Flow per Share Growth Rate was 8.20% per year. During the past 10 years, the average Free Cash Flow per Share Growth Rate was 6.30% per year.

During the past 13 years, United Community Banks's highest 3-Year average Free Cash Flow per Share Growth Rate was 64.00% per year. The lowest was -33.10% per year. And the median was -1.00% per year.


United Community Banks Price-to-Free-Cash-Flow Historical Data

The historical data trend for United Community Banks's Price-to-Free-Cash-Flow 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 Price-to-Free-Cash-Flow Chart

United Community Banks Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Price-to-Free-Cash-Flow
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.89 9.51 6.39 15.56 12.80

United Community Banks Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Price-to-Free-Cash-Flow 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 15.56 13.61 12.57 20.65 12.80

Competitive Comparison of United Community Banks's Price-to-Free-Cash-Flow

For the Banks - Regional subindustry, United Community Banks's Price-to-Free-Cash-Flow, along with its competitors' market caps and Price-to-Free-Cash-Flow 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 Price-to-Free-Cash-Flow Distribution in the Banks Industry

For the Banks industry and Financial Services sector, United Community Banks's Price-to-Free-Cash-Flow distribution charts can be found below:

* The bar in red indicates where United Community Banks's Price-to-Free-Cash-Flow falls into.



United Community Banks Price-to-Free-Cash-Flow Calculation

United Community Banks's Price-to-Free-Cash-Flow ratio for today is calculated as

Price-to-Free-Cash-Flow Ratio=Share Price/ Free Cash Flow per Share (TTM)
=28.67/2.524
=11.36

United Community Banks's Share Price of today is $28.67.
United Community Banks's Free Cash Flow per Share for the trailing twelve months (TTM) ended in Dec. 2024 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.52.

* 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.

It can also be calculated from the numbers for the whole company:

Price-to-Free-Cash-Flow Ratio=Market Cap/Free Cash Flow

United Community Banks  (NYSE:UCB) Price-to-Free-Cash-Flow Explanation

Free Cash Flow is considered more important than earnings by value investors. The reason is because, in principle, only the net cash that can be taken from the business belongs to shareholders. This Free Cash Flow can be used to grow the business, reduce debt or return to shareholders in dividends or share buybacks.

In a DCF Calculation Free Cash Flow is used to determine the intrinsic value of companies.


Be Aware

In real business, Free Cash Flow can be affected by the change in accounts receivable, accounts payable, management's decision on expansion, etc. Therefore, investors should look at the Free Cash Flow over the longer term. Long-term average of Free Cash Flow is a more reliable indicator for real free cash flow.


United Community Banks Price-to-Free-Cash-Flow Related Terms

Thank you for viewing the detailed overview of United Community Banks's Price-to-Free-Cash-Flow 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
200 East Camperdown Way, Greenville, SC, USA, 29601
United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its larger, more sophisticated, customers.
Executives
H Lynn Harton officer: Chief Operating 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
Jefferson L Harralson officer: EVP, CFO C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30514
Abraham Cox officer: CHIEF MARKETING OFFICER C/O UNITED COMMUNITY BANKS, INC., PO BOX 398, BLAIRSVILLE GA 30512
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
Jennifer M. Bazante director C/O UNITED COMMUNITY BANKS INC., PO BOX 398, BLAIRSVILLE GA 30514
Robert H Blalock 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
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