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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.
|52-week range||$14.48 - $36.67|
|50-day moving average||$34.27|
|200-day moving average||$28.86|
|Wall St. target price||$37.13|
|Dividend yield||$0.73 (2.28%)|
|Earnings per share (TTM)||$2.33|
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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 14x. In other words, United Community Banks shares trade at around 14x 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||$644.3 million|
|Operating margin TTM||43.6%|
|Gross profit TTM||$577.4 million|
|Return on assets TTM||1.3%|
|Return on equity TTM||11.22%|
|Market capitalisation||$2.9 billion|
TTM: trailing 12 months
There are currently 2.3 million United Community Banks shares held short by investors – that's known as United Community Banks's "short interest". This figure is 35.3% up from 1.7 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) is the quantity of United Community Banks shares currently shorted divided by the average quantity of United Community Banks shares traded daily (recently around 474790.20408163). United Community Banks's SIR currently stands at 4.9. In other words for every 100,000 United Community Banks shares traded daily on the market, roughly 4900 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 0.0361% of the tradable shares (for every 100,000 tradable United Community Banks shares, roughly 36 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.
Dividend payout ratio: 26.16% of net profits
Recently United Community Banks has paid out, on average, around 26.16% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.38% 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 2.38% return on their shares, in the form of dividend payments. In United Community Banks's case, that would currently equate to about $0.73 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 April 2021. The latest dividend was paid out to all shareholders who bought their shares by 11 March 2021 (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 $14.4819 up to $36.67. 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 1.3254. 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, 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.
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