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 Dec 25
- NII(Q) Highest at USD 237.93 MM
- ROCE(HY) Highest at 1.17%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.76%, it has a fair valuation with a 0.98 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 8.34%, its profits have risen by 29.7% ; the PEG ratio of the company is 0.4
5
High Institutional Holdings at 88.43%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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.
34.95%
0.86
29.87%
S&P 500
36.95%
0.62
19.30%
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
88.43%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.98
EV to EBIT
7.86
EV to EBITDA
7.03
EV to Capital Employed
0.98
EV to Sales
2.23
PEG Ratio
0.39
Dividend Yield
3.29%
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 Trend11What is working for the Company
NII(Q)
Highest at USD 237.93 MM
ROCE(HY)
Highest at 1.17%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 81.45%
EPS(Q)
Highest at USD 0.7
-2What is not working for the Company
ROCE(HY)
Lowest at 1.17%
Here's what is working for United Community Banks, Inc.
NII
Highest at USD 237.93 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
EPS
Highest at USD 0.7
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 81.45%
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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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