United Community Banks, Inc. (UCBI)
Company Info
| ISIN | US90984P3038 |
|---|---|
| CUSIP | 90984P303 |
| Sector | Financial Services |
| Industry | Banks - Regional |
Highlights
| Market Cap | $3.32B |
|---|---|
| EPS (TTM) | $1.54 |
| PE Ratio | 18.07 |
| PEG Ratio | 17.42 |
| Total Revenue (TTM) | $1.30B |
| Gross Profit (TTM) | $1.09B |
| EBITDA (TTM) | $55.91M |
| Year Range | $21.07 - $31.96 |
| Target Price | $32.64 |
| Short % | 2.29% |
| Short Ratio | 3.47 |
Share Price Chart
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Compare to other instruments
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Popular comparisons: UCBI vs. BANF
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in United Community Banks, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Returns By Period
| Period | Return | Benchmark |
|---|---|---|
| Year-To-Date | N/A | 13.39% |
| 1 month | N/A | 4.02% |
| 6 months | N/A | 5.56% |
| 1 year | N/A | 21.51% |
| 5 years (annualized) | N/A | 12.69% |
| 10 years (annualized) | N/A | 10.55% |
Monthly Returns
The table below presents the monthly returns of UCBI, with color gradation from worst to best to easily spot seasonal factors. Returns are adjusted for dividends.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | -6.56% | -4.86% | 2.11% | -4.14% | 1.70% | 0.15% | 21.56% | -2.23% | |||||
| 2023 | -3.73% | 1.75% | -14.35% | -11.45% | -9.20% | 11.48% | 16.33% | -7.12% | -5.03% | -13.07% | 11.59% | 19.64% | -10.44% |
| 2022 | -1.53% | 9.24% | -9.48% | -13.39% | 4.28% | -3.24% | 12.72% | -1.47% | -0.62% | 16.31% | 1.22% | -12.71% | -3.48% |
| 2021 | 4.89% | 10.83% | 3.76% | -4.10% | 5.68% | -6.91% | -10.00% | 4.72% | 9.54% | 6.15% | -1.64% | 5.50% | 29.42% |
| 2020 | -9.59% | -11.28% | -25.31% | 15.48% | -7.54% | 3.89% | -10.88% | 1.06% | -5.59% | 23.69% | 14.18% | 19.74% | -4.44% |
| 2019 | 19.85% | 7.66% | -9.42% | 12.64% | -5.59% | 8.40% | 0.49% | -7.98% | 8.00% | 6.56% | 2.61% | 0.19% | 47.41% |
| 2018 | 12.58% | -2.43% | 2.77% | 0.88% | 1.66% | -5.08% | -2.09% | 1.03% | -7.60% | -10.83% | 3.94% | -16.41% | -22.18% |
| 2017 | -5.03% | 2.70% | -3.85% | -1.23% | -5.78% | 8.23% | -0.14% | -5.94% | 9.73% | -3.92% | 4.81% | -1.73% | -3.67% |
| 2016 | -7.34% | -4.15% | 7.11% | 8.99% | -0.00% | -8.81% | 5.19% | 9.04% | 0.57% | 2.62% | 26.01% | 9.28% | 54.13% |
| 2015 | -7.55% | 8.62% | -0.47% | -1.43% | 2.90% | 9.26% | 0.00% | -6.23% | 4.76% | -1.37% | 3.57% | -6.37% | 4.07% |
| 2014 | -6.03% | 0.06% | 16.30% | -16.80% | -5.01% | 6.91% | 1.10% | 2.48% | -2.79% | 9.54% | -2.39% | 7.91% | 7.38% |
| 2013 | 11.12% | 2.67% | 5.29% | -3.44% | 8.22% | 4.81% | 9.74% | 6.97% | 2.81% | 4.00% | 17.70% | -3.27% | 88.03% |
Risk-Adjusted Performance
Risk-Adjusted Performance Rank
The current rank of UCBI is 43, suggesting that the investment has average results relative to other stocks in terms of risk-adjusted performance. This ranking is determined by the cumulative values of the indicators listed below.
Risk-Adjusted Performance Indicators
The charts below present risk-adjusted performance metrics for United Community Banks, Inc. (UCBI) and compare them to a chosen benchmark (^GSPC). These indicators evaluate an investment's returns against its associated risks.
Dividends
Dividend History
United Community Banks, Inc. granted a 3.28% dividend yield in the last twelve months. The annual payout for that period amounted to $0.92 per share.
| Period | TTM | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $0.92 | $0.92 | $0.86 | $0.78 | $0.72 | $0.68 | $0.58 | $0.38 | $0.30 | $0.22 | $0.11 |
Dividend yield | 3.28% | 3.14% | 2.54% | 2.17% | 2.53% | 2.20% | 2.70% | 1.35% | 1.01% | 1.13% | 0.58% |
Monthly Dividends
The table displays the monthly dividend distributions for United Community Banks, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2024 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.46 | ||||
| 2023 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.00 | $0.00 | $0.23 | $0.92 |
| 2022 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.21 | $0.00 | $0.00 | $0.22 | $0.00 | $0.00 | $0.22 | $0.86 |
| 2021 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.19 | $0.00 | $0.00 | $0.20 | $0.00 | $0.00 | $0.20 | $0.78 |
| 2020 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.18 | $0.00 | $0.00 | $0.18 | $0.72 |
| 2019 | $0.00 | $0.00 | $0.16 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.17 | $0.00 | $0.00 | $0.18 | $0.68 |
| 2018 | $0.00 | $0.00 | $0.12 | $0.00 | $0.00 | $0.15 | $0.00 | $0.00 | $0.15 | $0.00 | $0.00 | $0.16 | $0.58 |
| 2017 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.09 | $0.00 | $0.00 | $0.10 | $0.00 | $0.00 | $0.10 | $0.38 |
| 2016 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.30 |
| 2015 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.05 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.22 |
| 2014 | $0.03 | $0.00 | $0.00 | $0.03 | $0.00 | $0.00 | $0.05 | $0.11 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Worst Drawdowns
The table below displays the maximum drawdowns of the United Community Banks, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the United Community Banks, Inc. was 96.13%, occurring on Nov 15, 2010. The portfolio has not yet recovered.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -96.13% | Mar 8, 2007 | 932 | Nov 15, 2010 | — | — | — |
| -26.46% | May 21, 2002 | 99 | Oct 9, 2002 | 213 | Aug 14, 2003 | 312 |
| -24.87% | Dec 2, 2004 | 96 | Apr 20, 2005 | 135 | Oct 31, 2005 | 231 |
| -15.1% | Apr 1, 2002 | 7 | Apr 9, 2002 | 25 | May 14, 2002 | 32 |
| -13.62% | Jul 1, 2004 | 26 | Aug 6, 2004 | 67 | Nov 10, 2004 | 93 |
Volatility
Volatility Chart
The current United Community Banks, Inc. volatility is 11.41%, representing the average percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Financials
Financial Performance
Valuation
The Valuation section provides an assessment of the market value of United Community Banks, Inc. compared to its peers in the Banks - Regional industry.
PE Ratio
The chart displays the price to earnings (P/E) ratio for UCBI in comparison to other companies of the Banks - Regional industry. Currently, UCBI has a PE value of 18.1. This PE ratio is much higher than those of other companies of the industry. This might be an indicator of the company being overvalued.PEG Ratio
The chart displays the price to earnings to growth (PEG) ratio for UCBI in comparison to other companies of the Banks - Regional industry. Currently, UCBI has a PEG value of 17.4. This PEG ratio is much higher than those of other companies of the industry. This might be an indicator of the company being overvalued.Historical P/E Ratio Chart
The chart below displays the historical trend of the price-to-earnings (P/E) ratio for United Community Banks, Inc..
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Income Statement
| TTM | |
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| Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
| Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
| Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |