ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is United Community Banks, Inc. ?
1
High Profitability with a Net Interest Margin of 8.76%
2
Strong Long Term Fundamental Strength with a 14.70% CAGR growth in Net Profits
3
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 462.08 MM
- ROCE(HY) Highest at 1.21%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.76%, it has a attractive valuation with a 1.02 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 14.38%, its profits have risen by 29.7% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 91.72%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.29% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to United Community Banks, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is United Community Banks, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
United Community Banks, Inc.
14.38%
1.45
25.67%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.90%
EBIT Growth (5y)
5.52%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
37.40%
Pledged Shares
0
Institutional Holding
91.72%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.02
EV to EBIT
8.17
EV to EBITDA
7.31
EV to Capital Employed
1.02
EV to Sales
2.32
PEG Ratio
0.41
Dividend Yield
3.18%
ROCE (Latest)
12.48%
ROE (Latest)
9.18%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 462.08 MM
ROCE(HY)
Highest at 1.21%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 81.59%
-4What is not working for the Company
ROCE(HY)
Lowest at 1.21%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 36.04%
NET SALES(Q)
Lowest at USD 333.96 MM
Here's what is working for United Community Banks, Inc.
Operating Cash Flow
Highest at USD 462.08 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 81.59%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at USD 19.82 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 19.82 MM has Grown at 67.38%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for United Community Banks, Inc.
Net Sales
Lowest at USD 333.96 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Dividend Payout Ratio
Lowest at 36.04%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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