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
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- OPERATING CASH FLOW(Y) Highest at USD 482.08 MM
- ROCE(HY) Highest at 1.31%
- NII(Q) Highest at USD 240.9 MM
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 7.16%, its profits have risen by 29.7% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 8.28% 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.
7.16%
1.67
24.63%
S&P 500
15.36%
1.17
13.09%
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 Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 482.08 MM
ROCE(HY)
Highest at 1.31%
NII(Q)
Highest at USD 240.9 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 150.06 MM
OPERATING PROFIT MARGIN(Q)
Highest at 43.58 %
PRE-TAX PROFIT(Q)
Highest at USD 150.06 MM
NET PROFIT(Q)
Highest at USD 115.57 MM
EPS(Q)
Highest at USD 0.95
-6What is not working for the Company
ROCE(HY)
Lowest at 1.31%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 26.21%
CREDIT DEPOSIT RATIO(HY)
Lowest at 75.97%
Here's what is working for United Community Banks, Inc.
Operating Cash Flow
Highest at USD 482.08 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)
NII
Highest at USD 240.9 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 150.06 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 43.58 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 150.06 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 115.57 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.95
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)
Here's what is not working for United Community Banks, Inc.
Non Performing Loans (%)
Highest at 0.56%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Credit Deposit Ratio
Lowest at 75.97%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 26.21%
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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
