United Community Banks (UCBI) Stock Price, News & Analysis

Company Overview

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.

Key Stats

• Today's Range: $26.96 to $28.45
• 50-Day Range: $24.56 to $31.51
• 52-Week Range: $21.63 to $31.96
• Volume: 774,256 shs
• Average Volume: 595,132 shs
• Market Capitalization: $3.32 billion
• P/E Ratio: 18.07
• Dividend Yield: 3.31%
• Price Target: $31.50
• Consensus Rating: Hold

United Community Banks Stock Analysis - MarketRank™

United Community Banks scored higher than 57% of companies evaluated by MarketBeat, and ranked 565th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

United Community Banks has received a consensus rating of Hold. The company's average rating score is 2.25, and is based on 1 buy rating, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

United Community Banks has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.70%

Earnings Growth

Earnings for United Community Banks are expected to grow by 6.70% in the coming year, from $2.24 to $2.39 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of United Community Banks is 18.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 113.39.

Price to Earnings Ratio vs. Sector

The P/E ratio of United Community Banks is 18.07, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 26.69.

Price to Book Value per Share Ratio

United Community Banks has a P/B Ratio of 1.02. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for UCBI.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

United Community Banks pays a meaningful dividend of 3.09%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

United Community Banks does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of United Community Banks is 59.74%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, United Community Banks will have a dividend payout ratio of 38.49% next year. This indicates that United Community Banks will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.3 / 5
• Environmental Score: -0.46

Short Interest

There is no current short interest data available for UCBI.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, United Community Banks insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 0.54% of the stock of United Community Banks is held by insiders.

Percentage Held by Institutions

82.29% of the stock of United Community Banks is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

UCBI Stock Analysis - Frequently Asked Questions

How were United Community Banks' earnings last quarter?

United Community Banks, Inc. (NASDAQ:UCBI) announced its quarterly earnings data on Wednesday, July, 24th. The financial services provider reported $0.58 EPS for the quarter, topping analysts' consensus estimates of $0.51 by $0.07. The company's quarterly revenue was up 17.3% on a year-over-year basis.

Who are United Community Banks' major shareholders?

United Community Banks' top institutional shareholders include FMR LLC (8.93%), State Street Corp (4.81%), Geode Capital Management LLC (2.31%) and Massachusetts Financial Services Co. MA (1.61%). Insiders that own company stock include H Lynn Harton, Richard Bradshaw and Kenneth L Daniels.
View institutional ownership trends.

What other stocks do shareholders of United Community Banks own?

Based on aggregate information from My MarketBeat watchlists, some other companies that United Community Banks investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Tesla (TSLA), JPMorgan Chase & Co. (JPM) and Alphabet (GOOG).

Company Calendar

• Last Earnings: 7/24/2024
• Today: 12/21/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:UCBI
• CUSIP: 90984P30
• CIK: 857855
• Web: www.ucbi.com
• Phone: (706) 781-2265
• Fax: 706-745-8960
• Employees: 3,121
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $31.50
• High Stock Price Target: $35.00
• Low Stock Price Target: $28.00
• Potential Upside/Downside: +13.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.25
• Research Coverage: 4 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.54
• Trailing P/E Ratio: 18.07
• Forward P/E Ratio: 12.42
• P/E Growth: N/A
• Net Income: $187.54 million
• Net Margins: 13.36%
• Pretax Margin: 16.62%
• Return on Equity: 8.04%
• Return on Assets: 0.94%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.80
• Quick Ratio: 0.79

Sales & Book Value

• Annual Sales: $878.95 million
• Price / Sales: 3.77
• Cash Flow: $2.44 per share
• Price / Cash Flow: 11.41
• Book Value: $27.32 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 119,141,000
• Free Float: 118,498,000
• Market Cap: $3.32 billion
• Optionable: Optionable
• Beta: 0.90