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United Community Banks Inc UCBI

Morningstar Rating
$25.63 −0.71 (2.70%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

UCBI is trading at a 17% discount.
Price
$25.68
Fair Value
$42.86
Uncertainty
Very High
1-Star Price
$69.70
5-Star Price
$76.81
Economic Moat
Vbct
Capital Allocation
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News

Trading Information

Previous Close Price
$26.34
Day Range
$25.3825.98
52-Week Range
$20.3930.65
Bid/Ask
$25.67 / $25.69
Market Cap
$3.05 Bil
Volume/Avg
30,161 / 654,434

Key Statistics

Price/Earnings (Normalized)
12.48
Price/Sales
3.56
Dividend Yield (Trailing)
3.64%
Dividend Yield (Forward)
3.64%
Total Yield
3.49%

Company Profile

United Community Banks Inc is a bank holding company that operates through its wholly-owned subsidiary, Union Community Bank. The bank has scores of offices throughout portions of Georgia, Tennessee, and the Carolinas. It has traditionally grown through the organic growth of existing offices and de novo locations, complemented by selective acquisitions. United conducts substantially all of its operations through a community-focused operating model of separate community banks. The community banks offer a full range of retail and corporate banking services, including checking, savings, and time deposit accounts, as well as secured and unsecured loans, wire transfers, brokerage services, and other financial services. The bank's loan portfolio is well-diversified but predominantly commercial.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
3,121

Comparables

Valuation

Metric
UCBI
AUB
FNB
Price/Earnings (Normalized)
12.4813.518.71
Price/Book Value
0.990.980.82
Price/Sales
3.563.523.17
Price/Cash Flow
8.138.5511.65
Price/Earnings
UCBI
AUB
FNB

Financial Strength

Metric
UCBI
AUB
FNB
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
UCBI
AUB
FNB
Return on Assets (Normalized)
0.98%1.07%1,267.49%
Return on Equity (Normalized)
8.61%9.08%9,917.05%
Return on Invested Capital (Normalized)
Return on Assets
UCBI
AUB
FNB
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Banks - Regional Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
BNPQY
BNP Paribas ADRZqkvkbnfBdr$82.2 Bil
ISNPY
Intesa Sanpaolo ADRBzcvfwlnkzPpzf$68.7 Bil
USB
U.S. BancorpSxctzjvpxJwjg$64.9 Bil
PNC
PNC Financial Services Group IncXpnshdylhNwmntl$62.9 Bil
ITUB
Itau Unibanco Holding SA ADRQqxhflhcjPcnn$56.9 Bil
TFC
Truist Financial CorpVjjvxwwbNvknrf$51.9 Bil
MFG
Mizuho Financial Group Inc ADRVdlvbgbdVgcx$49.9 Bil
LYG
Lloyds Banking Group PLC ADRQcghyhrKdvsck$40.1 Bil
DB
Deutsche Bank AGSrkHtln$32.8 Bil
NWG
NatWest Group PLC ADRLkxvwDcznt$31.1 Bil

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