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 92.63% of US stocks.
• UCBI's strongest trending metric is Stability; it's been moving down over the last 177 days.
• UCBI ranks lowest in Value; there it ranks in the 5th percentile.

UCBI Stock Summary

• UNITED COMMUNITY BANKS INC's capital turnover -- a measure of revenue relative to shareholder's equity -- is better than just 22.4% of US listed stocks.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.14 for UNITED COMMUNITY BANKS INC; that's greater than it is for 89.25% of US stocks.
• In terms of volatility of its share price, UCBI is more volatile than only 22.3% of stocks we're observing.
• Stocks that are quantitatively similar to UCBI, based on their financial statements, market capitalization, and price volatility, are CZNC, HTLF, UVSP, BHLB, and BCML.
• 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 price/sales ratio is 5.3; this is 307.69% higher than that of the median Financial Services stock.
• Over the past 243 months, UCBI's price/earnings ratio has gone down 0.4.

Below are key valuation metrics over time for UCBI.

UCBI Growth Metrics

Its year over year net cashflow from operations growth rate is now at 157.25%.
• Its year over year net income to common stockholders growth rate is now at 18.41%.
• The 4 year net cashflow from operations growth rate now stands at -22.69%.

Over the past 33 months, UCBI's revenue has gone up $217,162,000.

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
2022-09-30	778.119	584.81	239.844
2022-06-30	753.983	544.272	232.458
2022-03-31	735.031	525.132	235.806
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

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.