Fundamental Analysis of United Community Banks Inc - Growth / Value Index
UCBI - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.280
Price to Book Ratio is 0.375 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 15.60 | 11.40 | 20.03 % | |
| Price to Book | 0.379 | 0.891 | -8.69 % | 0.895 |
| Price to Sales | 2.54 | 3.11 | 2.45 % | |
| Enterprise Value to EBITDA Multiple | 6.65 | 3.63 | -51.25 % |
UCBI - Profitability Highlights
Profitability Analysis
Earning Yield of 6.47 %
Excellent Net Margin for last 3 years
All key Trailing Twelve Months Margin growing by 15 %
Reasonable Dividend Yield of 3.74 %
EBITDA is continuously increasing for last 3 Years
Good Net Margin of 16.27% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 5.89 | 7.82 | -23.93 % | 1.89 |
| Return On Asset | 0.702 | 0.934 | -19.20 % | 0.228 |
| Net Profit Margin | 16.27 | 27.28 | -14.65 % | 16.55 |
| Operating Profit Margin | 28.72 | -0.110 | -100.27 % | 25.08 |
| EBITDA Margin | 29.63 | 65.92 | 35.09 % | -4.11 |
Highlights
| Market Cap | 2939.21 M |
| Enterprise Value | 2271.57 M |
| Price/Book TTM | 0.379 |
| Outstanding Share | 119141 K |
| Float/ Outstanding Share | 99.33% |
| Dividend Yield | 3.80 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.786 |
| Peter Lynch Ratio | -1.07 |
| Piotroski F Score | 6.00 |
| Altman Z Score | 0.210 |
| Sloan Ratio | -0.0043 |
| Peter Lynch Fair Value | 23.49 |
UCBI - Growth Highlights
Growth Analysis
Annual sales of the company is increased for three years in a row
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 34.14
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 1152.68 M | 7.63 % | 19.23 % |
| Gross Profit | 1152.68 M | 51.20 % | 19.23 % |
| EBITDA | 341570 K | 45.40 % | 488.59 % |
| Net Profit | 187530 K | 8.13 % | 342.06 % |
| EPS | 1.58 | 16.69 % | NA |
UCBI - Stability Highlights
Stability Analysis
Paid More Than 50% of Debt, Heading towards debt free
Debt to equity ratio has decreased and is lowest in last five years
Decreasing debt with Increasing revenue
Altman Z Score of 0.209 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.103 | -73.06 % | 0.098 |
| Cash Ratio | -0.0110 | -100.04 % | |
| Quick Ratio | 0.054 | -98.82 % | 0.0463 |
| Shareholders Equity | 11.95 | 6.22 % | |
| Debt to EBITDA | 0.546 | -77.63 % |
Historical Valuation Ratios of United Community Banks Inc
Historical Valuation Ratios
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Historical Profitability Ratios of United Community Banks Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of United Community Banks Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of United Community Banks Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)