UCBI Stock Forecast, Price Targets, Chart, Dividends & Analysis
United Community Banks Inc.
UCBI 
NGS
Sector: Financial Services
Industry: Banks - Regional - US
27.83
USD
-0.93
(-3.23%)
Previous close: 28.76 Open: 28.64 Bid: Ask:
52 week range
24.04 31.96
Mkt Cap: 3,702 M Avg Vol (90 Days): 0
Last updated: Friday 20th December 2024
Metrics
Valuation
Price per Sales TTM ($) | 4.14 |
Price per Book TTM ($) | 1.14 |
PE Ratio (TTM) | 20.23 |
Book Value per Share ($) | 26.96 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | 0.00% | |
1 Month Return | 0.00% | |
3 Month Return | 0.00% | |
1 Year Return | -3.07% | |
3 Year Return | -9.35% | |
5 Year Return | 3.49% | |
YTD Return | -4.89% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 45.60 |
14 Day SMA ($) | 29.96 |
14 Day EMA ($) | 29.34 |
Money Flow Index | 37.91 |
Average True Range | 1.04 |
50 Day SMA ($) | 26.64 |
200 Day SMA ($) | 26.32 |
ADX | 54.40 |
MACD | 0.90 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
UCBI Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| AccruedPreferredStockDividends | 439000.0 | 67000.0 | -21000.0 | -159 M | -261 M | -269 M | -181 M | |||
| Amortization of intangibles | -1 M | -2 M | -4 M | 129000.0 | ||||||
| Basic EPS from continuing operations | 1.11 | 1.09 | 1.4 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 |
| Basic EPS total | 1.11 | 1.09 | 1.4 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 |
| Basic weighted shares outstanding | 61 M | 65 M | 72 M | 73 M | 80 M | 80 M | 83 M | 88 M | 107 M | 118 M |
| CommissionExpenses | 39 M | |||||||||
| CreditLossesProvision | 9 M | 4 M | 800000.0 | 4 M | 10 M | 13 M | 80 M | 38 M | 64 M | 89 M |
| Depreciation | -20 M | -23 M | -30 M | -27 M | -14 M | 15 M | 16 M | 16 M | 17 M | 19 M |
| Depreciation unreconciled | 1 M | 2 M | 4 M | 5 M | 7 M | 5 M | 4 M | 4 M | 7 M | 15 M |
| DepreciationAndAmortization | 1 M | 2 M | 4 M | 5 M | 7 M | 5 M | 4 M | 4 M | 7 M | 15 M |
| Diluted EPS total | 1.11 | 1.09 | 1.4 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 |
| Diluted normalized net income/share | 1.11 | 1.09 | 1.4 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 |
| Diluted weighted shares outstanding | 61 M | 65 M | 72 M | 73 M | 80 M | 80 M | 83 M | 88 M | 107 M | 118 M |
| Dividends paid per share | 0.22 | 0.3 | 0.68 | 0.72 | 0.78 | 0.86 | 0.92 | |||
| Equipment | 346000.0 | |||||||||
| FeesAndCommissions | 45 M | 55 M | 67 M | 5 M | 5 M | 5 M | 10 M | 19 M | 20 M | -30 M |
| GeneralAndAdministrativeExpense | 18 M | 24 M | 29 M | 33 M | 24 M | 11 M | 13 M | 15 M | 19 M | 37 M |
| Income before tax | 107 M | 115 M | 163 M | 173 M | 216 M | 239 M | 209 M | 348 M | 356 M | 233 M |
| Income restructuring and M&A | 18 M | 8 M | 14 M | 5 M | 7 M | 7 M | 14 M | 19 M | 27 M | |
| Income taxes | 40 M | 43 M | 63 M | 105 M | 58 M | 53 M | 45 M | 78 M | 79 M | 45 M |
| InsuranceAndClaims | 14 M | 20 M | 24 M | 27 M | 17 M | 5 M | 6 M | 7 M | 10 M | 27 M |
| InsuranceAndPremiums | 907000.0 | |||||||||
| Interest expense | -26 M | -21 M | -25 M | -34 M | -61 M | 83 M | 56 M | 30 M | 61 M | 419 M |
| InterestExpenseForDeposit | 12 M | 9 M | 10 M | 17 M | 40 M | 67 M | 42 M | 15 M | 42 M | 396 M |
| InterestExpenseForLongTermDebt | 11 M | 10 M | 11 M | 10 M | 14 M | 13 M | 14 M | 15 M | 17 M | 15 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 11 M | 10 M | 11 M | 10 M | 14 M | 13 M | 14 M | 15 M | 17 M | 15 M |
| InterestExpenseForShortTermDebt | 3 M | 2 M | 4 M | 6 M | 7 M | 4 M | 31000.0 | 3000.0 | 2 M | 9 M |
| InterestIncome | 248 M | 279 M | 335 M | 390 M | 500 M | 553 M | 558 M | 579 M | 813 M | 1,237 M |
| InterestIncomeAfterProvisionForLoanLoss | 206 M | 250 M | 310 M | 348 M | 420 M | 456 M | 421 M | 511 M | 688 M | 728 M |
| InterestIncomeFromInvestmentSecurities | 52 M | 55 M | 67 M | 75 M | 80 M | 77 M | 64 M | 73 M | 140 M | 195 M |
| InterestIncomeFromLeases | 907000.0 | 1 M | 1 M | 976000.0 | ||||||
| InterestIncomeFromLoans | 196 M | 223 M | 268 M | 315 M | 420 M | 476 M | 494 M | 506 M | 673 M | 1,043 M |
| InterestIncomeFromLoansAndLease | 196 M | 223 M | 268 M | 315 M | 420 M | 476 M | 494 M | 506 M | 673 M | 1,043 M |
| InterestIncomeFromSecurities | 52 M | 55 M | 67 M | 75 M | 80 M | 77 M | 64 M | 73 M | 140 M | 195 M |
| InterestIncomeFromTradingAccountSecurities | 798000.0 | |||||||||
| MarketingExpense | 3 M | 4 M | 4 M | 4 M | 6 M | 6 M | 15 M | 6 M | 8 M | 9 M |
| Net income from total operations | 68 M | 72 M | 99 M | -33 M | 129 M | 186 M | 164 M | 270 M | 277 M | 188 M |
| NetIncomeCommonStockholders | 67 M | 72 M | 99 M | -33 M | 129 M | 184 M | 159 M | 261 M | 269 M | 181 M |
| NetIncomeContinuousOperations | 68 M | 72 M | 99 M | -33 M | 129 M | 186 M | 164 M | 270 M | 277 M | 188 M |
| NetInterestIncome | 214 M | 254 M | 311 M | 352 M | 429 M | 469 M | 502 M | 549 M | 752 M | 818 M |
| NetOccupancyExpense | 14 M | 15 M | 20 M | 20 M | 23 M | 23 M | 26 M | 29 M | 36 M | 43 M |
| NonInterestExpense | -163 M | -211 M | -241 M | -268 M | -306 M | 322 M | 368 M | 397 M | 470 M | 571 M |
| NonInterestIncome | 56 M | 73 M | 94 M | 88 M | 93 M | 105 M | 156 M | 158 M | 138 M | 75 M |
| Normalized income | 226 M | |||||||||
| OccupancyAndEquipment | 14 M | 15 M | 20 M | 21 M | 23 M | 23 M | 26 M | 29 M | 36 M | 43 M |
| Other special charges | 17 M | -7 M | -6 M | -7 M | -14 M | -62 M | -14 M | 8 M | 12 M | 15 M |
| OtherCustomerServices | 6 M | 9 M | 19 M | 24 M | 24 M | |||||
| OtherGandA | 18 M | 24 M | 29 M | 33 M | 24 M | 11 M | 13 M | 15 M | 19 M | 37 M |
| OtherInterestExpense | -26 M | -21 M | -25 M | -34 M | -61 M | 83 M | -60 M | -32 M | -59 M | -409 M |
| OtherInterestIncome | 270 M | 326 M | 404 M | 440 M | 522 M | 561 M | ||||
| OtherNonInterestExpense | 17 M | 20 M | 24 M | 26 M | 37 M | 42 M | 46 M | 49 M | 59 M | 72 M |
| OtherNonInterestIncome | 7 M | 9 M | 16 M | 73 M | 79 M | 93 M | 141 M | 127 M | 107 M | 96 M |
| OtherunderPreferredStockDividend | 439000.0 | 67000.0 | -21000.0 | -159 M | -261 M | -269 M | -181 M | |||
| PreferredStockDividends | 439000.0 | 67000.0 | -21000.0 | -159 M | -261 M | -269 M | -181 M | |||
| ProfessionalExpenseAndContractServicesExpense | 8 M | 10 M | 12 M | 12 M | 16 M | 17 M | 18 M | 21 M | 20 M | 27 M |
| Research & development expense | 102 M | |||||||||
| ResearchExpense | 102 M | |||||||||
| Revenue per share | 1 M | 2 M | 4 M | 5 M | 7 M | 5 M | 4 M | 4 M | 7 M | 15 M |
| SalariesAndWages | 101 M | 117 M | 139 M | 153 M | 181 M | 196 M | 224 M | 241 M | 276 M | 318 M |
| SecuritiesActivities | 8 M | 14 M | 20 M | 18 M | -656000.0 | -1 M | 748000.0 | 83000.0 | -4 M | -53 M |
| Selling Gen & administrative expense | 122 M | 145 M | 172 M | 190 M | 249 M | 214 M | 252 M | 262 M | 303 M | 365 M |
| SellingAndMarketingExpense | 3 M | 4 M | 4 M | 4 M | 45 M | 6 M | 15 M | 6 M | 8 M | 9 M |
| SellingExpense | 247000.0 | |||||||||
| ServiceChargeOnDepositorAccounts | 33 M | 37 M | 42 M | 38 M | ||||||
| Special income/charges | -17 M | -38 M | -32 M | -40 M | -42 M | -49 M | -53 M | -63 M | -79 M | -99 M |
| Total common shares outstanding | 60 M | 72 M | 71 M | 79 M | 79 M | 79 M | 87 M | 106 M | 115 M | 119 M |
| Total net income | 68 M | 72 M | 99 M | -33 M | 129 M | 186 M | 164 M | 270 M | 277 M | 188 M |
| Total ordinary shares | 119 M | 119 M | 119 M | 119 M | 119 M | 119 M | 119 M | 119 M | 119 M | 119 M |
| Total revenues | 270 M | 326 M | 404 M | 440 M | 522 M | 574 M | 658 M | 707 M | 890 M | 893 M |
| TotalPremiumsEarned | 907000.0 | |||||||||
| TotalRevenue | 270 M | 326 M | 404 M | 440 M | 522 M | 574 M | 658 M | 707 M | 890 M | 893 M |
| TradingGainLoss | -891000.0 | |||||||||
| TrustFeesbyCommissions | 5 M | 5 M | 4 M | 5 M | 5 M | 6 M |
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