United Community Banks, Inc. (UCBI): Price and Financial Metrics

UCBI POWR Grades

• Momentum is the dimension where UCBI ranks best; there it ranks ahead of 89.62% of US stocks.
• UCBI's strongest trending metric is Momentum; it's been moving up over the last 179 days.
• UCBI's current lowest rank is in the Growth metric (where it is better than 7.91% of US stocks).

UCBI Stock Summary

• The capital turnover (annual revenue relative to shareholder's equity) for UCBI is 0.33 -- better than 25.66% of US stocks.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.2 for United Community Banks Inc; that's greater than it is for 89.79% of US stocks.
• With a year-over-year growth in debt of -24.34%, United Community Banks Inc's debt growth rate surpasses only 16.82% of about US stocks.
• If you're looking for stocks that are quantitatively similar to United Community Banks Inc, a group of peers worth examining would be WSBC, UMPQ, FFWM, BHLB, and OFG.
• UCBI's SEC filings can be seen here. And to visit United Community Banks Inc's official web site, go to www.ucbi.com.

UCBI Valuation Summary

• UCBI's EV/EBIT ratio is 4.5; this is 47.67% lower than that of the median Financial Services stock.
• Over the past 236 months, UCBI's price/sales ratio has gone down 0.6.
• UCBI's price/sales ratio has moved down 0.6 over the prior 236 months.

Below are key valuation metrics over time for UCBI.

UCBI Growth Metrics

Its 2 year price growth rate is now at -45.81%.
• The 3 year revenue growth rate now stands at 52.95%.
• The year over year cash and equivalents growth rate now stands at 156.31%.

UCBI's revenue has moved up $395,516,000 over the prior 70 months.

The table below shows UCBI's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-12-31	744.402	359.32	261.269
2021-09-30	752.886	387.968	268.558
2021-06-30	716.061	305.505	242.346
2021-03-31	644.255	204.136	199.15
2020-12-31	577.434	158.681	159.269
2020-09-30	536.892	111.447	150.61

UCBI's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• UCBI has a Quality Grade of C, ranking ahead of 28.14% of graded US stocks.
• UCBI's asset turnover comes in at 0.04 -- ranking 175th of 430 Banking stocks.
• GABC, TREE, and FBP are the stocks whose asset turnover ratios are most correlated with UCBI.

The table below shows UCBI's key quality metrics over time.