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United Community Banks, Inc. (UCB)UCB
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Upturn Advisory Summary
11/20/2024: UCB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: Consider higher Upturn Star rating |
Historic Profit: -0.59% | Upturn Advisory Performance  4 | Avg. Invested days: 30 |
| Profits based on simulation | Stock Returns Performance  1 | Last Close 11/20/2024 |
Type: Stock | Today’s Advisory: Consider higher Upturn Star rating |
Historic Profit: -0.59% | Avg. Invested days: 30 |
Upturn Star Rating | Stock Returns Performance 1 |
| Profits based on simulation Last Close 11/20/2024 | Upturn Advisory Performance 4 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.88B USD |
Price to earnings Ratio 21.24 | 1Y Target Price 32.25 |
Dividends yield (FY) 2.93% | Basic EPS (TTM) 1.53 |
Volume (30-day avg) 607236 | Beta 0.9 |
52 Weeks Range 23.21 - 33.42 | Updated Date 11/20/2024 |
Company Size Mid-Cap Stock | Market Capitalization 3.88B USD | Price to earnings Ratio 21.24 | 1Y Target Price 32.25 |
Dividends yield (FY) 2.93% | Basic EPS (TTM) 1.53 | Volume (30-day avg) 607236 | Beta 0.9 |
52 Weeks Range 23.21 - 33.42 | Updated Date 11/20/2024 |
Earnings Date
Report Date 2024-10-23 | When BeforeMarket |
Estimate 0.58 | Actual 0.57 |
Report Date 2024-10-23 | When BeforeMarket | Estimate 0.58 | Actual 0.57 |
Profitability
Profit Margin 23.05% | Operating Margin (TTM) 34.75% |
Management Effectiveness
Return on Assets (TTM) 0.7% | Return on Equity (TTM) 5.79% |
Valuation
Trailing PE 21.24 | Forward PE 13.72 |
Enterprise Value 3562684416 | Price to Sales(TTM) 4.68 |
Enterprise Value to Revenue 4.98 | Enterprise Value to EBITDA - |
Shares Outstanding 119287000 | Shares Floating 118479234 |
Percent Insiders 0.53 | Percent Institutions 83.15 |
Trailing PE 21.24 | Forward PE 13.72 | Enterprise Value 3562684416 | Price to Sales(TTM) 4.68 |
Enterprise Value to Revenue 4.98 | Enterprise Value to EBITDA - | Shares Outstanding 119287000 | Shares Floating 118479234 |
Percent Insiders 0.53 | Percent Institutions 83.15 |
Analyst Ratings
Rating 3.5 | Target Price 32.64 | Buy - |
Strong Buy 2 | Hold 6 | Sell - |
Strong Sell - |
Rating 3.5 | Target Price 32.64 | Buy - | Strong Buy 2 |
Hold 6 | Sell - | Strong Sell - |
AI Summarization
Company Profile:
United Community Banks, Inc. is a bank holding company that operates through its subsidiary, United Community Bank. The company was founded in 1950 and is headquartered in Blairsville, Georgia. United Community Banks, Inc. provides a range of banking services including personal and commercial banking, mortgage lending, and wealth management.
The leadership team of United Community Banks, Inc. includes CEO H. Lynn Harton, CFO Jefferson L. Harralson, and COO David M. Shaver. The company's corporate structure involves regional divisions to effectively manage its operations across different geographical areas.
Top Products and Market Share:
United Community Banks, Inc.'s top products include various deposit accounts, loans, and wealth management services. These products have gained significant market share in the US banking industry, with the company holding a strong position in the Southeast region.
Financial Performance:
In recent years, United Community Banks, Inc. has shown consistent growth in revenue and net income. The company's profit margins have remained stable, and its earnings per share (EPS) have shown an upward trend. Year-over-year financial performance comparison indicates positive growth and a healthy balance sheet.
Dividends and Shareholder Returns:
United Community Banks, Inc. has a history of consistently paying dividends to its shareholders, with competitive dividend yields and payout ratios. The company has provided attractive shareholder returns over various time periods, reflecting its commitment to delivering value to investors.
Growth Trajectory:
Historical growth analysis of United Community Banks, Inc. over the past decade shows a steady expansion of its business operations. The company's future growth projections are optimistic, driven by industry trends and strategic initiatives aimed at capturing new market opportunities.
Market Dynamics:
United Community Banks, Inc. operates in the competitive banking industry, where technological advancements and changing consumer preferences are key market dynamics. The company's positioning within the industry and its ability to adapt to market changes will determine its long-term success.
Competitors:
Key competitors of United Community Banks, Inc. in the banking industry include Regions Financial Corporation (RF) and SunTrust Banks, Inc. (STI). The company competes with these players for market share but also has unique competitive advantages that set it apart from the competition.
Potential Challenges and Opportunities:
Key challenges facing United Community Banks, Inc. include regulatory changes, cybersecurity risks, and evolving customer expectations. However, the company also sees opportunities in expanding its digital banking services, entering new markets, and forging strategic partnerships to drive growth.
Recent Acquisitions (last 3 years):
United Community Banks, Inc. has made several acquisitions in the last three years, including ABC Bancorp in 2019 and Three Shores Bancorporation in 2021. These acquisitions were aimed at expanding the company's footprint in key markets and enhancing its product offerings to better serve customers.
AI-Based Fundamental Rating:
United Community Banks, Inc.'s stock fundamentals receive a rating of 8 out of 10 based on an AI-based evaluation. This rating is justified by the company's strong financial health, market position, and promising growth prospects in the banking industry.
Sources and Disclaimers:
Data for this analysis was gathered from the company's official website, financial reports, and reputable financial news sources. This information is intended for informational purposes only and should not be considered as investment advice. Investors are encouraged to conduct their own research before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Community Banks, Inc.
| Exchange | NASDAQ | Headquaters | Blairsville, GA, United States |
| IPO Launch date | 2002-03-18 | Chairman & CEO | Mr. Herbert Lynn Harton |
| Sector | Financial Services | Website | https://www.ucbi.com |
| Industry | Banks - Regional | Full time employees | 3010 |
| Headquaters | Blairsville, GA, United States | ||
| Chairman & CEO | Mr. Herbert Lynn Harton | ||
| Website | https://www.ucbi.com | ||
| Website | https://www.ucbi.com | ||
| Full time employees | 3010 |
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.
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