Stock UCBI UNITED COMMUNITY BANKS, INC.
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Financials United Community Banks, Inc.

Equities

UCBI

US90984P3038

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
25.98 USD +0.62% Intraday chart for United Community Banks, Inc. +2.89% -11.21%
Apr. 25 Piper Sandler Adjusts United Community Banks Price Target to $28 From $30, Maintains Neutral Rating MT
Apr. 24 Transcript : United Community Banks, Inc., Q1 2024 Earnings Call, Apr 24, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 2,439 2,463 3,209 3,590 3,481 3,095 -
Enterprise Value (EV) 1 2,439 2,463 3,209 3,590 3,481 3,095 3,095
P/E ratio 13.4 x 14.9 x 12.1 x 13.4 x 19 x 12.4 x 11.1 x
Yield 2.2% 2.53% 2.17% 2.54% 3.14% 3.61% 3.77%
Capitalization / Revenue 4.25 x 3.74 x 4.54 x 4.03 x 3.9 x 3.19 x 3.03 x
EV / Revenue 4.25 x 3.74 x 4.54 x 4.03 x 3.9 x 3.19 x 3.03 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.5 x 1.3 x 1.52 x 1.39 x 1.1 x 0.93 x 0.89 x
Nbr of stocks (in thousands) 78,982 86,620 89,293 106,203 118,980 119,137 -
Reference price 2 30.88 28.44 35.94 33.80 29.26 25.98 25.98
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 574.1 657.9 706.9 890.1 893.2 971.8 1,022
EBITDA - - - - - - -
EBIT 1 259.2 296.9 310.2 448 349.2 397.4 432.4
Operating Margin 45.15% 45.13% 43.89% 50.33% 39.09% 40.89% 42.3%
Earnings before Tax (EBT) 1 238.7 209.4 347.8 356 232.5 336.2 371.9
Net income 1 185.7 164.1 261.3 269.1 180.8 248.9 281.1
Net margin 32.35% 24.94% 36.96% 30.24% 20.25% 25.61% 27.5%
EPS 2 2.310 1.910 2.970 2.520 1.540 2.098 2.342
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.6800 0.7200 0.7800 0.8600 0.9200 0.9371 0.9800
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 181.1 174.7 203.9 212.4 231.7 243.2 241.7 236.7 234.5 180.4 239.8 238.9 245.4 247.6 246.1
EBITDA - - - - - - - - - - - - - - -
EBIT 1 84.38 65.58 97.41 99.84 121.9 128.8 113.3 100.5 99.23 31.54 96.88 97.22 102.8 103.6 100.4
Operating Margin 46.59% 37.53% 47.77% 47.01% 52.62% 52.96% 46.88% 42.47% 42.31% 17.49% 40.4% 40.7% 41.89% 41.87% 40.79%
Earnings before Tax (EBT) 1 95.42 66.22 60.4 85.97 103.5 106.1 80.09 81.51 59.79 11.15 80.84 82.15 85.72 87.93 85.07
Net income 1 71.65 49.98 46.06 64.76 79.04 79.27 60.24 61.23 47.87 12.62 60.71 60.29 63.49 64.53 64.14
Net margin 39.56% 28.61% 22.59% 30.5% 34.11% 32.59% 24.93% 25.87% 20.41% 7% 25.32% 25.24% 25.88% 26.06% 26.07%
EPS 2 0.8200 0.5500 0.4300 0.6100 0.7400 0.7400 0.5200 0.5300 0.3900 0.1100 0.5100 0.5100 0.5329 0.5471 0.5350
Dividend per Share 2 0.2000 0.2000 0.2100 0.2100 0.2200 0.2200 0.2300 0.2300 0.2300 0.2300 0.2357 0.2300 0.2340 0.2340 0.2443
Announcement Date 10/19/21 1/18/22 4/19/22 7/19/22 10/18/22 1/17/23 4/18/23 7/18/23 10/18/23 1/24/24 4/24/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 12.3% 9.58% 13.7% 10.1% 7.33% 7.73% 8.2%
ROA (Net income/ Total Assets) 1.51% 1.07% 1.42% 1.19% 0.94% 0.93% 0.99%
Assets 1 12,299 15,335 18,399 22,616 19,239 26,909 28,538
Book Value Per Share 2 20.50 21.90 23.60 24.40 26.50 28.00 29.30
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/21/20 1/19/21 1/18/22 1/17/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for United Community Banks, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
25.98 USD
Average target price
29.71 USD
Spread / Average Target
+14.37%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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