United Community Banks Inc.

Dividend Per Share TTM ($)	0.92
Forward Annual Dividend Yield	3.69%
Ex Dividend Date (MM/DD/YYYY)	3/14/2024
Dividend Pay Date (MM/DD/YYYY)	4/5/2024
Dividend Yield (TTM)	3.74%
Forward Annual Dividend Rate ($)	0.92
Dividend Payout Ratio	32.33
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	2.19
EPS Estimate Next Year ($)	2.38
EPS Estimate Next Quarter ($)	0.52
EPS Estimate Current Quarter ($)	0.50
Current Target Price ($)	30.5
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	30.50
2 week Ago Target Price ($)	31.00
3 week Ago Target Price ($)	31.00

Financial Health

Cash Flow Per Share TTM ($)	2.47
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.10
Long term debt per share (Last Quarter)	2.73
F Score	4.0

Technicals

RSI (14 Day)	43.19
14 Day SMA ($)	25.08
14 Day EMA ($)	25.01
Money Flow Index	64.94
Average True Range	0.64
50 Day SMA ($)	25.73
200 Day SMA ($)	26.44
ADX	8.83
MACD	0.87

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%

Profitability

Return on Assets TTM (%)	0.7
Profit Margin TTM (%)	-2.7
Return on Equity TTM (%)	6.26
Return on Capital TTM (%)	-0.56
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
ABCB	0.0121	3 B	9.1	49.63
AMNB	0.0289	0 B	9.4	38.73
BANF	0.0188	2 B	14.9	76.71
NRIM	0.0348	0 B	7	43.74

Pull option chain for the stock and check the payoff of your option strategies here

Financials

Income Statement

Balance Sheet

Cash Flow

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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United Community Banks Inc.

Sector: Financial Services

Industry: Banks - Regional - US

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

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