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Upturn AI SWOT - About
United Community Banks, Inc. (UCB)
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Upturn Advisory Summary
03/27/2025: UCB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -9.72% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.31B USD | Price to earnings Ratio 13.58 | 1Y Target Price 36 |
Price to earnings Ratio 13.58 | 1Y Target Price 36 | ||
Volume (30-day avg) 764161 | Beta 0.92 | 52 Weeks Range 23.37 - 34.82 | Updated Date 04/1/2025 |
52 Weeks Range 23.37 - 34.82 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.41% | Basic EPS (TTM) 2.04 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.01% | Operating Margin (TTM) 44.24% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 7.54% |
Valuation
Trailing PE 13.58 | Forward PE 12.53 | Enterprise Value 3453622528 | Price to Sales(TTM) 3.73 |
Enterprise Value 3453622528 | Price to Sales(TTM) 3.73 | ||
Enterprise Value to Revenue 3.94 | Enterprise Value to EBITDA - | Shares Outstanding 119444000 | Shares Floating 118695257 |
Shares Outstanding 119444000 | Shares Floating 118695257 | ||
Percent Insiders 0.55 | Percent Institutions 87.86 |
Analyst Ratings
Rating 3.71 | Target Price 35.36 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
United Community Banks, Inc.
Company Overview
History and Background
United Community Banks, Inc. was founded in 1950 and headquartered in Blairsville, Georgia. Originally named Union County Bank, it has grown through acquisitions and organic expansion to become a regional bank serving communities in the Southeast.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and other financial services to individual customers.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
Lynn Harton serves as the Chairman and Chief Executive Officer. The organizational structure includes various departments such as lending, operations, finance, and risk management, reporting to the CEO and executive management team.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, offering financing for acquisition, development, or refinancing. Competitors include Truist, Regions, and other regional banks. Market share data is difficult to specify exactly without primary research.
- Small Business Loans: Loans to small businesses for various purposes, such as expansion, equipment purchase, or working capital. Competitors include community banks and online lenders. Market share data is difficult to specify exactly without primary research.
- Mortgages: Loans to individuals for the purchase of residential properties. Competitors include large national banks and mortgage companies. Market share data is difficult to specify exactly without primary research.
Market Dynamics
Industry Overview
The banking industry is currently navigating a rising interest rate environment, increased regulatory scrutiny, and increasing competition from fintech companies. Regional banks are focusing on efficiency and technological innovation to maintain profitability.
Positioning
United Community Banks, Inc. is positioned as a community-focused regional bank offering personalized service and local market expertise. Its competitive advantages include strong relationships with local businesses and a solid reputation for customer service.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is substantial, estimated at hundreds of billions of dollars. UCBI is positioned to capture a portion of this TAM through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid asset quality
- Diversified loan portfolio
Weaknesses
- Limited geographic footprint compared to national banks
- Reliance on traditional banking model
- Lower brand recognition compared to larger competitors
Opportunities
- Further expansion through acquisitions
- Increased investment in digital banking technology
- Growing demand for wealth management services
- Expansion of service area into adjacent markets
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- TRST
- RF
- PBCT
Competitive Landscape
UCBI competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its local market expertise and personalized customer service.
Major Acquisitions
Reliant Bancorp
- Year: 2021
- Acquisition Price (USD millions): 757
- Strategic Rationale: Expanded UCBI's presence in the Nashville, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: United Community Banks, Inc. has experienced steady growth through organic expansion and acquisitions in the Southeast.
Future Projections: Analyst estimates for future growth vary, but generally project continued moderate growth in revenue and earnings per share.
Recent Initiatives: Recent strategic initiatives include investments in digital banking platforms and expansion into new markets through acquisitions.
Summary
United Community Banks, Inc. is a stable regional bank with a strong presence in the Southeast. Its strength lies in its community focus and solid asset quality. UCBI needs to be mindful of increased competition from larger national players and fintech disruptors as well as navigating regulatory pressures and fluctuating interest rates.
Similar Companies
- TRST
- RF
- PBCT
- FCNCA
- WSBC
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Publicly Available Financial Data
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data are approximate and based on publicly available information. Consult with a qualified financial advisor before making any 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 Greenville, SC, United States | ||
IPO Launch date 2002-03-18 | Chairman & CEO Mr. Herbert Lynn Harton | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2979 | Website https://www.ucbi.com |
Full time employees 2979 | Website https://www.ucbi.com | ||
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs. In addition, the company provides private banking, investment management, investment advice, financial planning, estate, and retirement planning and insurance products and services; trust services to manage fiduciary assets; non-deposit investment and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; and reinsurance on property insurance contracts. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
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