NYSE: UCB - United Community Banks, Inc.

Yield per half year: -18.02%
Dividend yield: +3.44%
Sector: Financials

Reporting United Community Banks, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
1.05 1.28 1.48 2.01 2.38 2.22 1.79 2.89 3.67 3.26 2.77 7.99
Выручка, млрд $
0.6394 0.6865 0.8681 0.8038 0.93 0.93 0.7856 7.78
Чистая прибыль, млрд $
0.1641 0.2698 0.2775 0.1875 0.2524 0.2524 0.2303 8.99
EV, млрд $
1.09 0.8548 3.94 2.81 3.61 3.61 2.46 27.06
EBIT, млрд $
0.2094 0.3478 0.3331 0.2218 0.2325 0.2780 1.45
EBITDA, млрд $
0.2009 0.3457 0.3798 0.2667 0.2775 0.2983 7.34
Баланс стоимость, млрд $
2.01 2.22 2.7 3.26 3.43 3.43 2.72 11.28
FCF, млрд $
0.1402 0.3328 0.5646 0.2215 0.3027 0.3027 0.3124 16.64
Операционный денежный поток, млрд $
0.1587 0.3593 0.6073 0.294 0.3497 0.3497 0.3538 17.12
Операционная прибыль, млрд $
0.2094 0.3478 0.356 0.3415 0.2325 0.3137 13.01
Операционные расходы, млрд $
-0.4299 -0.3387 -0.5121 0.4623 0.93 0.93 0.0223 -216.69
CAPEX, млрд $
0.0185 0.0265 0.0427 0.0725 0.047 0.047 0.0414 20.50


Balance sheet

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
1.61 2.29 0.5119 1 0.5199 0.5199 1.19 -20.23
Short Term Investments $
3.22 4.5 3.61 3.33 4.44 4.44 3.82 6.64
Long term investments $
3.65 5.65 6.23 5.82 5.34 12.37
Total Receivables $
0.0477 0.043 0.0728 0.0878 0.0856 0.0856 0.0674 12.41
Total Current Assets $
4.88 6.83 4.2 4.42 4.96 4.96 5.06 0.33
Активы, млрд $
17.79 20.95 24.01 27.3 27.72 27.72 23.55 9.28
Short Term Debt $
0.0082 0.1589 0.0114 0.0114 0.0595 11.61
Long Term Debt $
0.327 0.2474 0.8747 0.3248 0.2542 0.2542 0.4056 -4.91
Задолженность, млрд $
15.79 18.72 21.31 24.04 24.29 24.29 20.83 9.00
Чистый долг, млрд $
-1.28 -2.04 0.3628 -0.6791 -0.2657 -0.2657 -0.7804 -26.98
Долг, млрд $
0.327 0.2556 0.8747 0.3248 0.2542 0.2542 0.4073 -4.91
Interest income $
0.558 0.5788 0.8132 1.24 0.7975 22.09
Расходы на обслуживание долга $
0.0562 0.0298 0.0608 0.4193 0.5504 0.5504 0.2233 57.83
Чист. проц. доходы, млрд $
0.558 0.5788 0.8132 1.24 1.24 0.7975 22.09
Goodwill $
0.3678 0.452 0.7512 0.9199 0.6227 25.76
Амортизация, млрд $
-0.0086 -0.0021 0.0467 0.045 0.0409 0.0409 0.0244 -236.60
Себестоимость, млрд $
-0.0681 -0.0681 0.00
Товарно материальные запасы $
-1.66 -2.36 0.7197 1.09 1.09 -0.5526 -190.02


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 1.89 3.02 2.6 1.59 2.1 2.1 2.24 2.13
Цена акции ао 27.6 29.71 27.75 21.62 32.85 34.28 29.26 32.31 28.71 28.71 31.48 -2.66
Число акций ао, млн 72 73 80 80 86.68 89.35 106.78 117.75 119.95 119.95 104.10 6.71
FCF/акцию 1.62 3.73 5.29 1.88 2.52 2.52 3.01 9.24


Efficiency

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 8.17 12.76 11.27 6.29 7.54 7.54 23.22 9.21 -1.59
ROA, % 0.9221 1.39 1.23 0.7311 0.9175 0.9175 4.05 1.04 -0.10
ROIC, % 10.19 13.87 10.89 8.54 8.01 10.87 -4.32
ROS, % 25.66 39.3 31.96 23.33 27.14 27.14 27.14 24.58 29.77 -7.14
ROCE, % 1.2 1.68 1.4 0.82 6.78 6.78 25.21 2.38 41.39
Ebit margin, % 32.76 50.66 38.37 27.59 25 25 34.88 -5.26
Рентаб EBITDA, % 31.42 50.36 43.75 33.18 29.84 29.84 35.32 37.71 -1.03
Чистая рентаб, % 25.66 39.3 31.96 23.33 27.14 27.14 24.52 29.48 1.13
Operation Margin, % 32.76 50.66 41.01 42.48 26.67 25 25 47.29 37.16 -13.17
Доходность FCF, % 7.81 11.51 15.39 6.79 10.38 -3.44


Coefficients

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
15.02 11.9 12.9 18.6 15.36 15.36 24.91 14.76 0.45
P/BV
1.23 1.45 1.33 1.07 1.13 1.13 5.58 1.24 -1.68
P/S
3.86 4.68 4.12 4.34 4.17 4.17 5.40 4.23 1.56
P/FCF
12.8 8.69 6.5 14.73 0 0 0 7.53 10.68 3.57
E/P
0.0914 0.0933 0.0757 0.0575 0 0 0 1.16 0.0795 -10.94
EV/EBIT
5.18 3.23 11.83 12.67 12.08 15.52 15.52 11.07 36.88
EV/EBITDA
5.41 2.47 10.38 10.53 10.12 4.73 7.20 18.12
EV/S
1.7 1.25 4.54 3.5 3.88 3.88 3.88 6.08 3.41 25.43
EV/FCF
7.74 2.57 6.98 12.69 11.93 11.93 11.93 12.45 9.22 35.94
Debt/EBITDA
1.63 0.7392 2.3 1.22 1.21 0.9158 0.9158 -5.80 1.28 4.38
Netdebt/Ebitda
-6.38 -5.91 0.9552 -2.55 -2.45 -0.9575 -0.9575 -12.97 -2.1825 -30.51
Debt/Ratio
0.0184 0.0122 0.0364 0.0119 0.0092 0.0092 0.0092 0.19 0.0158 -5.49
Debt/Equity
0.1629 0.115 0.3239 0.0996 0.0741 7.08 7.08 8.96 1.54 127.96
Debt/Net Income
1.99 0.9472 3.15 1.73 1.01 1.01 1.01 23.77 1.57 1.29
PEG
1.67 1.67 1.67 0.00
Бета
1.42 -1.1 -1.1 0.44 0.1600 -188.01
Индекс Альтмана
0.0658 0.0702 0.0702 4.70 0.0680 3.29


Dividends

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0624 0.0738 0.0938 0.1117 0.1186 0.0921 13.71
Дивиденд
0.38 0.58 1.28 1.33 0.78 0.86 0.92 0.94 0.24 0.95 0.7480 -21.00
Див доход, ао, %
1.35 2.54 4.04 6.43 2.67 2.54 3.14 2.91 3.87 3.44 2.36 3.03 7.71
Дивиденды / прибыль, %
38.06 27.35 33.79 59.57 46.99 46.99 42.23 41.15 4.31


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