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Upturn AI SWOT - About
United Community Banks, Inc (UCB-PI)
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Upturn Advisory Summary
03/20/2025: UCB-PI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -11.18% | Avg. Invested days 86 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/20/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 4902 | Beta 0.94 | 52 Weeks Range 21.08 - 25.21 | Updated Date 03/15/2025 |
52 Weeks Range 21.08 - 25.21 | Updated Date 03/15/2025 | ||
Dividends yield (FY) 6.88% | Basic EPS (TTM) - |
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 - | Forward PE - | Enterprise Value 3032598784 | Price to Sales(TTM) - |
Enterprise Value 3032598784 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 118639570 |
Shares Outstanding - | Shares Floating 118639570 | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | 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 as Towns County Bank in Blairsville, Georgia. It has grown through organic expansion and strategic acquisitions to become a regional bank with a presence across the Southeast.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Commercial Banking: Offers specialized lending and treasury management services to larger businesses and commercial clients.
- Wealth Management: Provides investment advisory, trust, and estate planning 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 executive leadership roles overseeing key business segments and support functions, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share data is not publicly available at the product level. Competitors include Truist, Regions, and Fifth Third Bank.
- Residential Mortgages: Mortgages for homebuyers. Market share data is not publicly available at the product level. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available at the product level. Competitors include Chase, Wells Fargo, and Bank of America.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from fintech companies. Consolidation continues within the industry.
Positioning
United Community Banks, Inc. positions itself as a relationship-focused community bank with a strong presence in the Southeast. Its competitive advantages include local market expertise and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is estimated to be in the billions of dollars. United Community Banks, Inc. captures a portion of this TAM through its branch network and digital channels.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southeast
- Relationship-focused banking model
- Experienced management team
- Solid asset quality
- History of successful acquisitions
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking services
- Vulnerability to economic downturns in the Southeast
- Higher operating costs
Opportunities
- Further expansion into attractive Southeast markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Acquisition of smaller community banks
- Capitalizing on underserved markets
Threats
- Increasing competition from national and regional banks
- Rising interest rates
- Economic recession
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- RF
- FITB
- PNC
- TCBI
Competitive Landscape
United Community Banks, Inc. competes with larger national and regional banks, as well as smaller community banks. Its competitive advantage lies in its local market expertise and personalized service.
Major Acquisitions
Reliant Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 744
- Strategic Rationale: Expanded presence in the Nashville, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: United Community Banks, Inc. has grown through organic expansion and acquisitions, expanding its branch network and customer base.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by loan growth and strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion into new markets, and strategic acquisitions.
Summary
United Community Banks, Inc. is a financially stable regional bank with a strong presence in the Southeast. It has a proven track record of growth through organic expansion and acquisitions. The bank needs to be aware of increasing competition from larger banks and fintech companies, as well as the potential impact of rising interest rates and economic downturns. It appears to be fundamentally sound with some risks it needs to mitigate.
Similar Companies
FITB
Fifth Third Bancorp
FITB
Fifth Third Bancorp
PNC
PNC Financial Services Group Inc
PNC
PNC Financial Services Group Inc
RF
Regions Financial Corporation
RF
Regions Financial Corporation
TCBI
Texas Capital Bancshares Inc
TCBI
Texas Capital Bancshares Inc
TRU
TransUnion
TRU
TransUnion
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data can fluctuate and may not be precise.
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 NYSE | Headquaters Greenville, SC, United States | ||
IPO Launch date - | 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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