How to buy United Community Banks stock | $33.79

United Community Banks, Inc 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. United Community Banks employs 2,399 staff and has a trailing 12-month revenue of around 0.00.

United Community Banks stock price (NASDAQ: UCBI)

Use our graph to track the performance of UCBI stocks over time.

United Community Banks shares at a glance

• Key figures

Information last updated 2021-07-30.

Latest market close	$33.79
52-week range	$15.46 - $36.46
50-day moving average	$31.28
200-day moving average	$32.95
Wall St. target price	$38.38
PE ratio	10.4897
Dividend yield	$0.74 (2.55%)
Earnings per share (TTM)	$2.78

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Is it a good time to buy United Community Banks stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of United Community Banks, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

United Community Banks price performance over time

Historical closes compared with the close of $33.79 from 2021-05-26

1 week (2021-07-22)	N/A
1 month (2021-07-02)	6.22%
3 months (2021-04-30)	3.27%
6 months (2021-01-29)	N/A

1 year (2020-07-29)	N/A
2 years (2019-07-29)	N/A
3 years (2018-07-29)	N/A
5 years (2016-07-29)	N/A

Is United Community Banks under- or over-valued?

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 P/E ratio

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 10x. In other words, United Community Banks shares trade at around 10x 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 PEG ratio

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.

United Community Banks financials

Revenue TTM	$716.1 million
Operating margin TTM	47.77%
Gross profit TTM	$577.4 million
Return on assets TTM	1.48%
Return on equity TTM	13.02%
Profit margin	35.06%
Book value	$22.96
Market capitalisation	$2.5 billion

TTM: trailing 12 months

Shorting United Community Banks shares

There are currently 2.2 million United Community Banks shares held short by investors – that's known as United Community Banks's "short interest". This figure is 0.6% down from 2.2 million last month.

There are a few different ways that this level of interest in shorting United Community Banks shares can be evaluated.

United Community Banks's "short interest ratio" (SIR)

United Community Banks's "short interest ratio" (SIR) is the quantity of United Community Banks shares currently shorted divided by the average quantity of United Community Banks shares traded daily (recently around 542168.98263027). United Community Banks's SIR currently stands at 4.03. In other words for every 100,000 United Community Banks shares traded daily on the market, roughly 4030 shares are currently held short.

However United Community Banks's short interest can also be evaluated against the total number of United Community Banks shares, or, against the total number of tradable United Community Banks shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case United Community Banks's short interest could be expressed as 0.03% of the outstanding shares (for every 100,000 United Community Banks shares in existence, roughly 30 shares are currently held short) or 0.0255% of the tradable shares (for every 100,000 tradable United Community Banks shares, roughly 26 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against United Community Banks.

Find out more about how you can short United Community Banks stock.

United Community Banks share dividends

Dividend payout ratio: 25.96% of net profits

Recently United Community Banks has paid out, on average, around 25.96% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.61% 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 2.61% return on their shares, in the form of dividend payments. In United Community Banks's case, that would currently equate to about $0.74 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 July 2021. The latest dividend was paid out to all shareholders who bought their shares by 13 June 2021 (the "ex-dividend date").

Have United Community Banks's shares ever split?

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.

United Community Banks share price volatility

Over the last 12 months, United Community Banks's shares have ranged in value from as little as $15.4551 up to $36.4642. 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 1.2731. This would suggest that United Community Banks's shares are more volatile than the average for this exchange and represent, relatively-speaking, a higher risk (but potentially also market-beating returns).

United Community Banks overview

United Community Banks, Inc. operates as a bank holding company for the United Community Bank, a state-chartered bank that provides various banking products and services. The company accepts checking, savings, money market, negotiable order of withdrawal, time, and other deposit accounts, as well as certificates of deposit. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage and construction, consumer direct loans, and indirect auto loans, as well as home equity lines of credits. The company also offers investment products; wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; reinsurance on a property insurance contract; and payment processing, merchant, wire transfer, private banking, and other financial services. It serves individuals, small businesses, mid-sized commercial businesses, and non-profit organizations. The company operates through 193 locations in Georgia, North Carolina, South Carolina, Tennessee, and Florida markets.

Frequently asked questions

What percentage of United Community Banks is owned by insiders or institutions?
Currently 0.624% of United Community Banks shares are held by insiders and 90.329% by institutions. How many people work for United Community Banks?
Latest data suggests 2,399 work at United Community Banks. When does the fiscal year end for United Community Banks?
United Community Banks's fiscal year ends in December. Where is United Community Banks based?
United Community Banks's address is: 125 Highway 515 East, Blairsville, GA, United States, 30512 What is United Community Banks's ISIN number?
United Community Banks's international securities identification number is: US90984P3038 What is United Community Banks's CUSIP number?
United Community Banks's Committee on Uniform Securities Identification Procedures number is: 90984H103