United Community Banks, Inc. UCB
34.23
0.35
1.03%
as of 25 Sep
- Market cap
- $4.1B
- P/E
- 11.2×
Follow UCB
Growth Flags
show if company had growth for consecutive years,
Insider Buys
alert about insiders buying in the last 12 month
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
21.21 | 29.80 | 10.42 | 13.37 | 14.97 | 12.06 | 13.37 | 18.82 | 15.84 | 11.87 |
P/S ratio |
4.98 | 4.29 | 2.88 | 3.74 | 3.31 | 4.29 | 3.78 | 2.61 | 2.58 | 2.46 |
P/FCF ratio |
16.73 | 10.86 | 6.60 | 17.63 | 16.76 | 9.38 | 6.26 | 15.49 | 12.79 | 10.62 |
P/Operating CF |
39.47 | 33.67 | 24.48 | 42.56 | 22.52 | 41.36 | 36.34 | 157.54 | 26.13 | 57.85 |
P/B ratio |
1.98 | 1.57 | 1.17 | 1.50 | 1.24 | 1.49 | 1.38 | 1.08 | 1.16 | 1.04 |
Price to Tangible BV |
2.32 | 1.94 | 1.51 | 1.90 | 1.55 | 1.91 | 1.97 | 1.57 | 1.62 | 1.42 |
EV/Sales |
6.54 | 4.94 | 3.05 | 3.28 | 1.52 | 1.48 | 4.02 | 2.10 | 2.40 | 2.28 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
20.03 | 11.36 | 6.70 | 14.02 | 6.83 | 3.03 | 6.29 | 9.36 | 10.31 | 9.14 |
EV/FCF |
21.96 | 12.51 | 6.99 | 15.46 | 7.68 | 3.23 | 6.66 | 12.42 | 11.91 | 9.85 |
Quick Ratio |
0.02 | 0.03 | 0.03 | 0.05 | 0.10 | 0.13 | 0.03 | 0.04 | 0.02 | 0.02 |
Current Ratio |
0.82 | 0.81 | 0.82 | 0.85 | 0.84 | 0.76 | 0.78 | 0.81 | 0.78 | 0.81 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
8.26% | 5.25% | 3.40% | 1.65% | 1.84% | 1.18% | 3.64% | 1.19% | 0.92% | 0.43% |
Debt/Equity |
0.82 | 0.48 | 0.29 | 0.13 | 0.16 | 0.11 | 0.32 | 0.10 | 0.07 | 0.03 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |
Operating CF/Net income |
1.39 | 3.09 | 1.64 | 0.84 | 1.00 | 1.38 | 2.26 | 1.63 | 1.43 | 1.21 |
Capex/Depreciation |
(0.41) | (0.69) | (0.36) | (0.60) | 2.05 | 10.78 | (0.71) | (1.61) | (1.02) | (0.60) |
| 9.66% | 5.65% | 11.95% | 11.92% | 8.98% | 12.94% | 11.38% | 6.26% | 7.51% | 9.11% | |
| 0.99% | 0.59% | 1.35% | 1.45% | 1.04% | 1.35% | 1.20% | 0.70% | 0.89% | 1.14% | |
ROIC |
6.14% | 7.23% | 8.88% | 11.51% | 18.64% | 149.63% | 8.01% | 6.29% | 6.55% | 8.04% |
Return on Tangible Assets |
(7.21%) | (3.96%) | (9.41%) | (12.46%) | (7.18%) | (6.31%) | (6.52%) | (4.51%) | (4.96%) | (7.75%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
53.23% | 52.86% | 51.18% | 49.22% | 61.23% | 46.30% | 53.41% | 47.11% | 40.33% | 40.17% |
Intangible Assets out of Total Assets |
0.01 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.04 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
1.05% | 1.22% | 1.02% | 1.42% | 1.10% | 0.89% | 0.92% | 0.68% | 0.72% | 0.74% |
Graham Net Nets |
(1.17) | (1.25) | (1.41) | (0.78) | (1.18) | (1.47) | (1.50) | (1.40) | (1.46) | (1.26) |
Graham Number |
21.71 | 19.40 | 29.12 | 32.66 | 31.34 | 40.26 | 37.21 | 30.68 | 35.80 | 42.13 |
Earnings Yield |
4.72% | 3.36% | 9.60% | 7.48% | 6.68% | 8.29% | 7.48% | 5.31% | 6.31% | 8.42% |
Free Cash Flow Yield |
5.98% | 9.21% | 15.14% | 5.67% | 5.97% | 10.67% | 15.98% | 6.46% | 7.82% | 9.41% |
Revenue per Share |
5.96 | 6.53 | 7.44 | 8.25 | 8.58 | 8.38 | 8.91 | 11.16 | 12.54 | 12.67 |
Operating CF per Share |
1.95 | 2.84 | 3.39 | 1.93 | 1.91 | 4.09 | 5.69 | 2.50 | 2.92 | 3.17 |
Capex per Share |
(0.17) | (0.26) | (0.14) | (0.18) | (0.21) | (0.25) | (0.31) | (0.62) | (0.39) | (0.23) |
Free Cash Flow per Share |
1.77 | 2.58 | 3.25 | 1.75 | 1.70 | 3.83 | 5.38 | 1.88 | 2.53 | 2.94 |
Cash per Share |
3.02 | 4.29 | 4.11 | 6.46 | 19.34 | 26.36 | 6.06 | 8.54 | 4.34 | 3.26 |
Shareholders Equity per Share |
14.96 | 17.79 | 18.30 | 20.52 | 24.13 | 25.27 | 25.32 | 27.73 | 28.65 | 30.00 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
14.96 | 17.79 | 18.30 | 20.52 | 24.13 | 25.27 | 25.32 | 27.73 | 28.65 | 30.00 |
Free Cash Flow |
127.62 | 188.92 | 258.87 | 139.58 | 141.12 | 337.08 | 574.35 | 221.49 | 302.69 | 356.46 |
Working Capital |
(1,586.53) | (1,905.43) | (1,958.21) | (1,695.33) | (2,435.36) | (4,388.59) | (4,425.48) | (4,390.74) | (5,324.14) | (4,497.89) |
Capital Expenditures |
(12.30) | (19.05) | (11.13) | (14.35) | (17.56) | (22.24) | (32.96) | (72.48) | (47.04) | (27.58) |
Net Current Asset Value |
(2,498.46) | (2,556.00) | (2,411.83) | (1,923.51) | (2,791.31) | (4,661.10) | (5,399.68) | (4,800.38) | (5,656.13) | (4,671.29) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.04 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.06 | 0.03 | 0.02 |
Net Profit Margin |
23.47% | 14.07% | 27.81% | 28.04% | 22.30% | 35.47% | 28.30% | 13.78% | 16.28% | 20.70% |
Price to Operating Income |
12.48 | 10.99 | 7.72 | 10.02 | 10.93 | 8.74 | 9.58 | 13.21 | 11.67 | 8.75 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.16 | 0.13 | 0.15 | 0.11 | (0.04) | (0.01) | 0.16 | 0.12 | 0.12 | 0.12 |
Cash ROIC |
(2.30%) | (0.04%) | 2.89% | (2.62%) | (1.52%) | 2.38% | 7.31% | (1.84%) | (1.06%) | (0.23%) |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
124,929.02 | 106,115.59 | 62,695.19 | 47,742.13 | 98,863.94 | 223,724.15 | 119,328.37 | 20,289.82 | 15,559.00 | 18,332.29 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
8,255.38 | 9,222.63 | 10,171.10 | 10,715.88 | 13,064.80 | 16,736.77 | 19,058.85 | 21,593.56 | 23,385.79 | 23,629.70 |
Average Assets |
10,162.54 | 11,312.06 | 12,244.33 | 12,744.61 | 15,355.20 | 19,370.57 | 22,477.83 | 25,653.07 | 27,508.76 | 27,861.41 |
Average Common Equity |
1,042.01 | 1,189.53 | 1,380.44 | 1,546.62 | 1,773.40 | 2,018.47 | 2,365.04 | 2,888.76 | 3,258.56 | 3,491.27 |
Columns are period end dates