ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is United Community Banks, Inc. ?
1
High Profitability with a Net Interest Margin of 10.08%
2
Strong Long Term Fundamental Strength with a 12.40% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- The company has declared positive results for the last 2 consecutive quarters
- NII(Q) Highest at USD 225.53 MM
- GROSS NPA (%)(Q) Lowest at 0.43%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.66%, it has a fair 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 -9.95%, its profits have risen by 30% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 91.6%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.84% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- 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.
-7.16%
0.87
30.96%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.71%
EBIT Growth (5y)
5.40%
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
46.07%
Pledged Shares
0
Institutional Holding
89.76%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.02
EV to EBIT
10.39
EV to EBITDA
9.08
EV to Capital Employed
1.02
EV to Sales
2.17
PEG Ratio
0.45
Dividend Yield
3.17%
ROCE (Latest)
9.81%
ROE (Latest)
7.59%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at USD 225.53 MM
GROSS NPA (%)
(Q
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 106.41 MM
OPERATING PROFIT MARGIN(Q)
Highest at 30.63 %
PRE-TAX PROFIT(Q)
Highest at USD 105.33 MM
NET PROFIT(Q)
Highest at USD 82.08 MM
EPS(Q)
Highest at USD 0.63
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for United Community Banks, Inc.
NII
Highest at USD 225.53 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.43%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at USD 106.41 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 30.63 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 105.33 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 82.08 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Depreciation
Highest at USD 11.88 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 13.77%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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