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United Community Banks, Inc. UCBI NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
74/100
4/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow
Analyst Price Target
$31.33
+12.6%

United Community Banks, Inc. (UCBI) is a Banks - Regional company in the Financial Services sector, currently trading at $27.83. It has a SharesGrow Score of 74/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Analyst consensus target is UCBI = $31 (+12.6% upside).

Financials: revenue is $1.1B, +7.3%/yr average growth. Net income is $328M, growing at +10.7%/yr. Net profit margin is 30.9% (strong). Gross margin is 62.4% (-37.6 pp trend).

Balance sheet: total debt is $205M against $3.6B equity (Debt-to-Equity (D/E) ratio 0.06, conservative). Current ratio is 47.49 (strong liquidity). Debt-to-assets is 0.7%. Total assets: $28.0B.

Analyst outlook: 2 / 10 analysts rate UCBI as buy (20%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 78/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 59/100 (Partial), Future 40/100 (Partial), Income 100/100 (Pass).

$31.33
▲ 12.58% Upside
Average Price Target
Based on 10 Wall Street analysts offering 12-month price targets for United Community Banks, Inc., the average price target is $31.33, with a high forecast of $35.00, and a low forecast of $26.00.
Highest Price Target
$35.00
Average Price Target
$31.33
Lowest Price Target
$26.00

UCBI SharesGrow Score Overview

74/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 78/100
Valuation — P/E, PEG, Forward PEG
GROWTH 73/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 67/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 59/100
Gross margin is + market cap
FUTURE 40/100
Analyst outlook — as buy
INCOME 100/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — UCBI

✓
VALUE Pass
78/100
UCBI trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Analyst consensus target is $31, implying +11.4% from the current price $28. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
✓
GROWTH Pass
73/100
UCBI: +7.3%/yr revenue is, +10.7%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
View details →
✓
PAST Pass
100/100
UCBI: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
View details →
~
HEALTH Partial
67/100
Balance sheet UCBI: Debt-to-Equity (D/E) ratio 0.06 (conservative), Current ratio is 47.49 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
~
MOAT Partial
59/100
UCBI: Gross margin is 62.4% (-37.6 pp trend), $3B market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 59/100. ≥ 70 = Pass.
View details →
~
FUTURE Partial
40/100
Analyst outlook: 2 / 10 analysts rate UCBI as buy (20%). Analyst consensus target is $31 (+11.4% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
✓
INCOME Pass
100/100
UCBI: Net profit margin is 30.9%. strong (≥30%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range21.63-31.96
Volume742.86K
Avg Volume (30D)541.28K
Market Cap$3.32B
Beta (1Y)0.92
Dividend Yield$0.9200
Share Statistics
EPS (TTM)2.62
Shares Outstanding$121.31M
IPO Date2002-03-21
Employees3,121
CEOHerbert Lynn Harton
Financial Highlights & Ratios
Revenue (TTM)$1.06B
Gross Profit$663.73M
EBITDA$639.14M
Net Income$328.1M
Operating Income$639.14M
Total Cash$3.95B
Total Debt$205.4M
Net Debt$2.81M
Total Assets$28B
Price / Earnings (P/E)10.6
Price / Sales (P/S)3.12
Analyst Forecast
1Y Price Target$33.00
Target High$35.00
Target Low$26.00
Upside+18.6%
Rating ConsensusHold
Analysts Covering10
Buy 20% Hold 80% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS90984P3038

Price Chart

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UCBI
United Community Banks, Inc. ↗  ·  NASDAQ Global Select
Financial Services • Banks - Regional
21.63 52WK RANGE 31.96

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