What is United Community Banks Financial Strength?
United Community Banks has the Financial Strength Rank of 5.
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). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
GuruFocus does not calculate United Community Banks's interest coverage with the available data.
United Community Banks's debt to revenue ratio for the quarter that ended in Dec. 2023 was 0.46.
Altman Z-Score does not apply to banks and insurance companies.
United Community Banks Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
United Community Banks's Interest Expense for the
months ended in Dec. 2023 was $-135.2 Mil. Its Operating Income for the
months ended in Dec. 2023 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $324.8 Mil.
United Community Banks's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. United Community Banks Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
United Community Banks's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 (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 |
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