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

UCBI POWR Grades

• UCBI scores best on the Momentum dimension, with a Momentum rank ahead of 71.69% of US stocks.
• The strongest trend for UCBI is in Momentum, which has been heading up over the past 48 weeks.
• UCBI's current lowest rank is in the Quality metric (where it is better than 35.52% of US stocks).

UCBI Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 8.95 for United Community Banks Inc; that's greater than it is for 88.85% of US stocks.
• As for revenue growth, note that UCBI's revenue has grown 35.92% over the past 12 months; that beats the revenue growth of 81.12% of US companies in our set.
• In terms of volatility of its share price, UCBI is more volatile than only 18.55% of stocks we're observing.
• If you're looking for stocks that are quantitatively similar to United Community Banks Inc, a group of peers worth examining would be NBTB, FMAO, WBS, NBHC, and WSBC.
• 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 net income to common stockholders growth rate now stands at 140.36%.
• The year over year price growth rate now stands at 96.77%.
• The 4 year net income to common stockholders growth rate now stands at 126.03%.

UCBI's revenue has moved up $166,177,000 over the prior 15 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
2021-06-30	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
2020-03-31	549.884	107.251	172.04

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 35.53% of graded US stocks.
• UCBI's asset turnover comes in at 0.04 -- ranking 177th of 437 Banking stocks.
• GABC, EVBN, and FBIZ are the stocks whose asset turnover ratios are most correlated with UCBI.

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