United Community Banks, Inc. UCBI | NASDAQ

$27.83 -$0.93 | -3.23%

After Hours
$0 -$27.83 | -100.00%

Company Overview:

Market Cap: $3.32B
PE Ratio: 18.071428571429
52-Week Range: $21.63 - $31.96
Dividend Yield (FWD): 3.05% ($0.92)

6.1 Year Performance Metrics:

Total Return (with DRIP): 38.06% (5.43% / yr)
Total Return (no DRIP): 34.53% (4.98% / yr)
Share Price: 17.19%
Dividend Increase: 43.75%
UCBI 6.1-yr Total Return ($10,000 investment)
1Y 2Y 5Y 10Y All

UCBI Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
UCBI Dividend CAGR:1Y: 0.00%2Y: 2.25%5Y: 5.02%10Y: 16.49%
Share Price
UCBI Price CAGR:1Y: 9.24%2Y: -3.42%5Y: 3.14%10Y: 1.60%

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UCBI Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend payout ration is Dividend/EPS, and indicates if company can afford to pay dividends from net income that it earned in the quarter.

Since EPS can be played with using different "accounting gymnastics", a better measure of dividends safety is Dividend to Free Cash Flow (FCF) ratio.

FCF is how much cash the company has earned each quarter, after paying all expenses not related to earnings.

Lower Ratio indicates SAFER Dividend! Ratios consistently close to, or over 100% are usually unsustainable and often indicate a dividend cut might be coming soon.

Dividend Payout Ratio - UCBI
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Dividend to Free Cash Flow Ratio - UCBI
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UCBI Earnings, Revenue, Cash & Debt, Shares Outstaning:

UCBI - EPS vs PE Ratio
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UCBI - FCF vs FCF / Share
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UCBI - EPS vs FCF / Share
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UCBI - FCF vs Stock Based Comp
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UCBI - Revenue vs Net Income
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UCBI - Cash & Debt
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UCBI - Revenue
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UCBI Revenue CAGR:1Y: 65.68%2Y: 36.32%5Y: 21.93%10Y: 18.76%
UCBI - Earnings Per Share (EPS)
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UCBI EPS CAGR:1Y: 3.77%2Y: -6.56%5Y: 0.00%10Y: 7.37%
UCBI - Net Income
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UCBI Net Income CAGR:1Y: 4.68%2Y: -0.45%5Y: 8.49%10Y: 15.01%
UCBI - EBITDA
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UCBI EBITDA CAGR:1Y: 17.33%2Y: 41.93%5Y: 20.08%10Y: 18.78%
UCBI - Free Cash Flow
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UCBI Free Cash Flow CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
UCBI - Free Cash Flow / Share
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UCBI Free Cash Flow / Share CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
UCBI - Gross Profit
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UCBI Gross Profit CAGR:1Y: 185.58%2Y: 79.83%5Y: 36.14%10Y: 25.97%
UCBI - Expenses
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UCBI Expenses CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
UCBI - Shares Outstanding
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UCBI Shares Outstanding CAGR:1Y: 3.38%2Y: 5.95%5Y: 8.50%10Y: 7.03%
UCBI - Share Buybacks
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UCBI Share Buybacks CAGR:1Y: N/A2Y: -100.00%5Y: -100.00%10Y: N/A
UCBI - Stock-Based Comp
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UCBI Stock-Based Comp CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
UCBI - Dividends
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UCBI Dividend CAGR:1Y: 0.00%2Y: 2.25%5Y: 5.02%10Y: 16.49%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

UCBI - REVENUE: Actual + Estimates
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UCBI Actual Revenue CAGR:1Y: 65.68%2Y: 36.32%5Y: 21.93%10Y: 18.76%
UCBI - EPS: Actual + Estimates
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UCBI Actual EPS CAGR:1Y: 3.77%2Y: -6.56%5Y: 0.00%10Y: 7.37%
UCBI - NET INCOME: Actual + Estimates
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UCBI Actual Net Income CAGR:1Y: 4.68%2Y: -0.45%5Y: 8.49%10Y: 15.01%
UCBI - EBITDA: Actual + Estimates
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UCBI Actual EBITDA CAGR:1Y: 17.33%2Y: 41.93%5Y: 20.08%10Y: 18.78%

Ratios, Profit Margins & Return on Capital:

UCBI - Net Profit Margin
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UCBI Net Profit Margin CAGR:1Y: -36.83%2Y: -26.98%5Y: -11.03%10Y: -3.16%
UCBI - Gross Profit Margin
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UCBI Gross Profit Margin CAGR:1Y: 72.35%2Y: 31.91%5Y: 11.65%10Y: 6.07%
UCBI - Price to Earnings
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UCBI - Price To Sales Ratio
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UCBI - Return on Capital Employed
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UCBI - Return on Invested Capital
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UCBI Dividends Info:

Annual Dividend: $0.92
Forward Yield: 3.31%
Ex-Dividend Date: 2024-06-15
Lifetime Dividens / Share: $14.84

UCBI Dividend History: Dates, Payments & Yield list

Below is a schedule of all UCBI dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
06/15/202407/05/2024$0.2303.41%3.41%$26.96
06/14/202407/05/2024$0.2303.8%3.8%$24.22
05/31/202406/07/2024$0.2303.59%3.59%$25.66
03/14/202404/05/2024$0.2303.69%3.69%$24.92
12/14/202301/05/2024$0.2303.05%3.05%$30.21
09/14/202310/05/2023$0.2303.49%3.53%$26.04
06/14/202307/05/2023$0.2303.47%3.55%$25.91
03/14/202304/05/2023$0.2303.24%3.39%$27.16
12/14/202201/05/2023$0.2202.58%2.64%$33.30
09/14/202210/05/2022$0.2202.56%2.69%$32.76
06/14/202207/05/2022$0.2102.86%2.93%$28.69
03/14/202204/05/2022$0.2102.12%2.22%$37.80
12/14/202101/05/2022$0.2002.28%2.34%$34.16
09/14/202110/05/2021$0.2002.69%2.83%$28.30
06/14/202107/05/2021$0.1902.23%2.29%$33.19
03/12/202104/05/2021$0.1902%2.08%$36.46
12/14/202001/05/2021$0.1802.62%2.62%$27.45
09/14/202010/05/2020$0.1804.06%4.06%$17.75
06/12/202007/06/2020$0.1803.62%3.67%$19.64
03/13/202004/06/2020$0.1803.62%3.72%$19.36
12/13/201901/06/2020$0.1802.19%2.32%$30.99
09/12/201910/07/2019$0.1702.4%2.47%$27.53
06/13/201907/05/2019$0.1702.35%2.49%$27.28
03/14/201904/05/2019$0.1602.35%2.43%$26.33
12/13/201801/07/2019$0.1600%0%$0.00
09/13/201810/05/2018$0.1500%0%$0.00
06/14/201807/05/2018$0.1500%0%$0.00
03/14/201804/05/2018$0.1200%0%$0.00
12/14/201701/05/2018$0.1000%0%$0.00
09/14/201710/05/2017$0.1000%0%$0.00
06/13/201707/05/2017$0.0900%0%$0.00
03/13/201704/05/2017$0.0900%0%$0.00
12/13/201601/05/2017$0.0800%0%$0.00
09/13/201610/05/2016$0.0800%0%$0.00
06/13/201607/01/2016$0.0700%0%$0.00
03/11/201604/01/2016$0.0700%0%$0.00
12/11/201501/04/2016$0.0600%0%$0.00
09/11/201510/01/2015$0.0600%0%$0.00
06/11/201507/01/2015$0.0500%0%$0.00
03/11/201504/01/2015$0.0500%0%$0.00
12/11/201401/02/2015$0.0500%0%$0.00
09/12/201410/01/2014$0.0300%0%$0.00
06/12/201407/01/2014$0.0300%0%$0.00
06/12/200807/01/2008$0.4360%0%$0.00
03/12/200804/01/2008$0.4360%0%$0.00
12/12/200701/02/2008$0.4360%0%$0.00
09/12/200710/01/2007$0.4360%0%$0.00
06/13/200707/02/2007$0.4360%0%$0.00
03/13/200704/02/2007$0.4360%0%$0.00
12/13/200601/02/2007$0.3880%0%$0.00
09/13/200610/02/2006$0.3880%0%$0.00
06/13/200607/03/2006$0.3880%0%$0.00
03/13/200604/03/2006$0.3880%0%$0.00
12/13/200501/02/2006$0.3390%0%$0.00
09/13/200510/03/2005$0.3390%0%$0.00
06/13/200507/01/2005$0.3390%0%$0.00
03/11/200504/01/2005$0.3390%0%$0.00
12/13/200401/03/2005$0.2910%0%$0.00
09/13/200410/01/2004$0.2910%0%$0.00
06/14/200407/01/2004$0.2910%0%$0.00
03/11/200404/01/2004$0.2910%0%$0.00
12/11/200301/02/2004$0.2420%0%$0.00
09/11/200310/01/2003$0.2420%0%$0.00
06/12/200307/01/2003$0.2420%0%$0.00
03/12/200304/01/2003$0.2420%0%$0.00
12/26/200212/30/2002$0.0970%0%$0.00
12/12/200201/02/2003$0.2040%0%$0.00
09/12/200210/01/2002$0.2040%0%$0.00
06/12/200207/01/2002$0.2040%0%$0.00

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Projected Future Returns & Dividends for UCBI

Based on past 6.1-year performance, here are UCBI growth metrics:

Share price CAGR of +0.63%
Dividend CAGR of +16.49%
Using UCBI CAGR metrics, we can estimate, that your initial $10000 investment, over next 10 years ago, should grow with dividends being reinvested (DRIP) as follows:

UCBI
Current Price$30.14
Start Shares331.79
Start Value$10,000
 
After 10 years:
Final Share Count627.37
Dividends Payment$1.06
Annual Dividends$2,655
Yield on cost26.55%
Share Price$31.90
Total Dividends$9,262
Final Value$20,014

Estimated Future Value + Dividends - UCBI

NOTE: Above numbers are our estimate based on UCBI's Dividend and Price CAGR over past 6.1 years. These numebrs should only be considered as "potential future returns"! These numbers assume DRIP (reinvesting dividends).

We cannot guarantee that your actual returns will meet these estimates.

Company Info

United Community Banks, Inc. (UCBI) had its IPO on 2002-03-21, and is trader on NASDAQ stock exchange.

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

UCBI website: https://www.ucbi.com


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