Financhill
Buy
57

UCB Quote, Financials, Valuation and Earnings

Last price:
$27.51
Seasonality move :
-1.72%
Day range:
$27.47 - $28.04
52-week range:
$22.93 - $35.38
Dividend yield:
3.44%
P/E ratio:
13.22x
P/S ratio:
3.57x
P/B ratio:
0.99x
Volume:
748.3K
Avg. volume:
563.9K
1-year change:
15.19%
Market cap:
$3.4B
Revenue:
$930M
EPS (TTM):
$2.11

Analysts' Opinion

  • Consensus Rating
    United Community Banks has received a consensus rating of Leans Bullish. The company's average rating is a Leans Bullish based on 3 Buy ratings, 3 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $33.29, United Community Banks has an estimated upside of 19.3% from its current price of $27.90.
  • Price Target Downside
    According to analysts, the lowest downside price target is $32.00 representing 100% downside risk from its current price of $27.90.

Fair Value

  • According to the consensus of 6 analysts, United Community Banks has 19.3% upside to fair value with a price target of $33.29 per share.

UCB vs. S&P 500

  • Over the past 5 trading days, United Community Banks has underperformed the S&P 500 by -4.76% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • United Community Banks does not have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • United Community Banks has grown year-over-year revenues for 2 quarters straight. In the most recent quarter United Community Banks reported revenues of $242.9M.

Earnings Growth

  • United Community Banks has grown year-over-year earnings for 2 quarters straight. In the most recent quarter United Community Banks reported earnings per share of $0.58.
Enterprise value:
-1.2B
EV / Invested capital:
-0.33x
Price / LTM sales:
3.57x
EV / EBIT:
-1.41x
EV / Revenue:
-1.31x
PEG ratio (5yr expected):
0.36x
EV / Free cash flow:
-3.81x
Price / Operating cash flow:
10.40x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.95%
Net Income Margin (TTM):
27.82%
Return On Equity:
7.69%
Return On Invested Capital:
7.08%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $906.2M $870M $939M $234M $242.9M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $2.61 $1.54 $2.11 $0.51 $0.58
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $5.2B $5.8B $4.1B $4.4B $5B
Total Assets $18.6B $24.4B $25.9B $27.4B $27.9B
Current Liabilities -- -- $7.2M -- --
Total Liabilities $16.5B $21.7B $22.8B $24.1B $24.4B
Total Equity $2B $2.7B $3.1B $3.3B $3.5B
Total Debt $311.6M $324.2M $361.9M $324.9M $254.3M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $496.9M $292.7M $359.6M $88.8M $98.6M
Cash From Investing -$936.5M -$467.1M -$925.1M -$122.5M -$56.6M
Cash From Financing -$689.4M $358.7M $240.3M -$8.2M $74.8M
Free Cash Flow $438.9M $229.1M $321.9M $75.1M $94.3M
UCB
Sector
Market Cap
$3.4B
$609.8M
Price % of 52-Week High
78.86%
87.1%
Dividend Yield
3.44%
2.05%
Shareholder Yield
--
4.11%
1-Year Price Total Return
15.19%
12.55%
Beta (5-Year)
0.781
0.594
Dividend yield:
3.44%
Annualized payout:
$0.94
Payout ratio:
45.92%
Growth streak:
10 years

Technicals

8-day SMA
Sell
Level $28.96
200-day SMA
Sell
Level $30.01
Bollinger Bands (100)
Sell
Level 0 - 0
Chaikin Money Flow
Sell
Level --
20-day SMA
Sell
Level $28.87
Relative Strength Index (RSI14)
Sell
Level 39.36
ADX Line
Neutral
Level 0
Williams %R
Buy
Level -98.6364
50-day SMA
Sell
Level $27.63
MACD (12, 26)
Buy
Level 0.10
25-day Aroon Oscillator
Sell
Level -36
On Balance Volume
Neutral
Level --

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.4832)
Sell
CA Score (Annual)
Level (-2.0466)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (1.1466)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

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.

Stock Forecast FAQ

In the current month, UCB has received 3 Buy ratings 3 Hold ratings, and 0 Sell ratings. The UCB average analyst price target in the past 3 months is $33.29.

  • Where Will United Community Banks Stock Be In 1 Year?

    According to analysts, the consensus estimate is that United Community Banks share price will rise to $33.29 per share over the next 12 months.

  • What Do Analysts Say About United Community Banks?

    Analysts are divided on their view about United Community Banks share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that United Community Banks is a Sell and believe this share price will drop from its current level to $32.00.

  • What Is United Community Banks's Price Target?

    The price target for United Community Banks over the next 1-year time period is forecast to be $33.29 according to 6 Wall Street analysts, 3 of them rate the stock a Buy, 0 rate the stock a Sell, and 3 analysts rate the stock a Hold.

  • Is UCB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for United Community Banks is a Leans Bullish. 3 of 6 analysts rate the stock a Leans Bullish at this time.

  • How Can I Buy Shares Of UCB?

    You can purchase shares of United Community Banks via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase United Community Banks shares.

  • What Is The United Community Banks Share Price Today?

    United Community Banks was last trading at $27.51 per share. This represents the most recent stock quote for United Community Banks. Yesterday, United Community Banks closed at $27.90 per share.

  • How To Buy United Community Banks Stock Online?

    In order to purchase United Community Banks stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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