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 91.82% of US stocks.
• The strongest trend for UCBI is in Growth, which has been heading down over the past 163 days.
• UCBI's current lowest rank is in the Growth metric (where it is better than 4.08% of US stocks).

UCBI Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.06 for United Community Banks Inc; that's greater than it is for 89.54% of US stocks.
• With a year-over-year growth in debt of -24.35%, United Community Banks Inc's debt growth rate surpasses merely 19.14% of about US stocks.
• As for revenue growth, note that UCBI's revenue has grown 40.23% over the past 12 months; that beats the revenue growth of 81.12% of US companies in our set.
• Stocks with similar financial metrics, market capitalization, and price volatility to United Community Banks Inc are CBU, NBTB, WSBC, FISI, and FFWM.
• Visit UCBI's SEC page to see the company's official filings. To visit the company's 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

The 5 year cash and equivalents growth rate now stands at 184.71%.
• The 3 year cash and equivalents growth rate now stands at 78.05%.
• Its 4 year price growth rate is now at -9.76%.

Over the past 67 months, UCBI's revenue has gone up $404,000,000.

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
2021-09-30	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
2020-06-30	526.818	120.872	153.184

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.