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United Community Banks is a banks-regional business based in the US. United Community Banks shares (UCBI) are listed on the NASDAQ and all prices are listed in US Dollars.
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| Latest market close | $32.69 |
|---|---|
| 52-week range | $27.49 - $39.25 |
| 50-day moving average | $34.64 |
| 200-day moving average | $33.45 |
| Wall St. target price | $35.92 |
| PE ratio | 12.9722 |
| Dividend yield | $0.86 (2.76%) |
| Earnings per share (TTM) | $2.52 |
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Historical closes compared with the close of $32.69 from 2023-02-01
| 1 week (2023-01-26) | 3.22% |
|---|---|
| 1 month (2022-12-30) | -3.28% |
| 3 months (2022-11-02) | -14.31% |
| 6 months (2022-08-02) | -3.37% |
| 1 year (2022-02-02) | -8.97% |
|---|---|
| 2 years (2021-02-02) | 7.08% |
| 3 years (2020-01-31) | 17.08% |
| 5 years (2018-02-02) | 3.06% |
Valuing United Community Banks stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of United Community Banks's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
United Community Banks's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 13x. In other words, United Community Banks shares trade at around 13x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
United Community Banks's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 17.42. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into United Community Banks's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
| Revenue TTM | $826.2 million |
|---|---|
| Operating margin TTM | 47.46% |
| Gross profit TTM | $826.2 million |
| Return on assets TTM | 1.23% |
| Return on equity TTM | 11.27% |
| Profit margin | 33.59% |
| Book value | $24.52 |
| Market capitalisation | $3.8 billion |
TTM: trailing 12 months
Dividend payout ratio: 32.33% of net profits
Recently United Community Banks has paid out, on average, around 32.33% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.76% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), United Community Banks shareholders could enjoy a 2.76% return on their shares, in the form of dividend payments. In United Community Banks's case, that would currently equate to about $0.86 per share.
While United Community Banks's payout ratio might seem fairly standard, it's worth remembering that United Community Banks may be investing much of the rest of its net profits in future growth.
United Community Banks's most recent dividend payout was on 4 January 2023. The latest dividend was paid out to all shareholders who bought their shares by 13 December 2022 (the "ex-dividend date").
United Community Banks's shares were split on a 1:5 basis on 19 June 2011. So if you had owned 5 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your United Community Banks shares – just the quantity. However, indirectly, the new 400% higher share price could have impacted the market appetite for United Community Banks shares which in turn could have impacted United Community Banks's share price.
Over the last 12 months, United Community Banks's shares have ranged in value from as little as $27.4883 up to $39.2474. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while United Community Banks's is 1.0293. This would suggest that United Community Banks's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U. S.
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