United Community Banks, Inc. (UCB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 639 | 687 | 868 | 872 | 930 | 1,063 | 1,122 | - |
| Operating profit | $m | 422 | 477 | ||||||
| Net profit | $m | 164 | 270 | 277 | 188 | 252 | 328 | 378 | 364 |
| EPS reported | $ | 2.62 | 3.05 | ||||||
| Operating cashflow per share | $ | 3.58 | 3.66 | ||||||
| Capex per share | $ | 0.23 | 0.23 | ||||||
| FCF per share | $ | 3.35 | 3.43 | ||||||
| Free cash flow | $m | 408 | 412 | ||||||
| Net debt | $m | -3,748 | -3,855 | ||||||
| Book value equity | $m | 3,639 | 3,745 | ||||||
| Book value per share | $ | 29.87 | 31.09 | ||||||
| Number of shares | m | 121.83 | 120.44 | ||||||
| DPS (TTM paid) | $ | 0.98 | 1.01 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.92 | 11.14 | ||||||
| P/B LTM | x | 1.04 | 1.01 | ||||||
| P/S LTM | x | 3.57 | 3.39 | ||||||
| P/FCF LTM | x | 9.32 | 9.21 | ||||||
| EV/EBITDA LTM | x | 8.33 | 7.31 | ||||||
| EV/Sales LTM | x | 2.47 | 2.88 | ||||||
| Earnings Yield LTM | % | +8.39% | +8.98% | ||||||
| FCF Yield | % | +10.73% | +10.86% | ||||||
| Quality | |||||||||
| ROE | % | +9.02% | +10.33% | ||||||
| ROIC | % | +1.17% | +6.61% | ||||||
| Operating margin | % | +27.48% | +30.70% | ||||||
| Gross margin | % | +66.00% | +71.96% | ||||||
| FCF/Sales | % | +26.53% | +26.52% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +28.43% | +49.51% | ||||||
| Sales Growth YoY | % | +14.31% | +20.60% | ||||||
| Net Income Growth YoY | % | +30.01% | +49.74% | ||||||
| FCF Growth | % | +34.70% | +36.26% | ||||||
| Operating Profit Growth | % | +30.78% | +47.81% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.24% | +2.84% | ||||||
| Dividend Growth | % | +4.26% | +7.45% | ||||||
| Payout Ratio | % | +38.61% | +33.22% | ||||||
| FCF/Debt | x | 1.99 | 1.08 | ||||||
| Net Debt/EBITDA | x | 0.01 | 0.48 | ||||||
| EBIT/Net interest | x | 0.89 | 1.10 | ||||||
| Net debt/market cap | % | +5.41% | +9.01% | ||||||
| Net debt/Equity | x | -1.03 | -1.03 | ||||||
| Gross debt/equity | x | 0.06 | 0.10 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
United Community Banks, Inc. (UCB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
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