Market Price

34.35 

0.32 0.9%

as of Apr 12 '21

52 Week Range:

14.95 36.67


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides retail and corporate banking services to individuals and businesses. It offers various deposit accounts, such as checking accounts, savings and time deposits accounts, NOW accounts, money market deposits, and certificates of deposit. The company also provides secured and unsecured loans that include commercial real estate, commercial and industrial, commercial construction, residential construction and mortgage, and indirect auto loans, as well as home equity lines of credits and fixed and adjustable-rate home mortgage loans. It also offers wire transfers, brokerage services, and other financial services, as well as risk management, payment processing, and merchant services. In addition, the company owns an insurance agency. As of December 31, 2017, it operated 156 locations in Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is based in Blairsville, Georgia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 24.27
11.37
6.69
11.03
12.22
14.03
15.22
15.73
17.69
20.32
21.58
growth rate -53.2% -41.2% 64.9% 10.8% 14.8% 8.5% 3.4% 12.5% 14.9% 6.2%
Earnings BIT -432.29
-230.73
34.91
34.95
120.70
127.30
178.07
189.51
415.05
446.87
446.70
growth rate 0.0% 100.0% 0.1% 245.3% 5.5% 39.9% 6.4% 119.0% 7.7% 0.0%
Avg.PE 24.81
4.00
17.11
17.06
20.84
34.78
25.53
25.53
25.53
growth rate -83.9% 327.8% -0.3% 22.2% 66.9% -26.6% 0.0% 0.0%
ROA -4.61
-3.31
0.31
3.67
0.90
0.83
0.99
0.59
1.35
1.45
1.04
growth rate 0.0% 100.0% 1,083.9% -75.5% -7.8% 19.3% -40.4% 128.8% 7.4% -28.3%
ROE -50.07
-56.73
5.66
49.25
9.50
8.18
9.66
5.65
11.95
11.92
8.98
growth rate 0.0% 100.0% 770.1% -80.7% -13.9% 18.1% -41.5% 111.5% -0.3% -24.7%
ROIC -29.15
-24.64
9.43
35.30
8.07
growth rate 0.0% 100.0% 274.3% -77.1%
Leverage 16.20
18.30
17.62
11.02
10.23
9.55
9.95
9.14
8.63
7.90
9.31
growth rate 13.0% -3.7% -37.5% -7.2% -6.7% 4.2% -8.1% -5.6% -8.5% 17.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 20.69
18.66
19.60
20.10
25.79
28.02
32.46
growth rate -9.8% 5.0% 2.6% 28.3% 8.7% 15.9%
Acct.Payable 36.20
38.67
49.17
6,326.51
7,873.19
8,637.56
9,807.70
10,534.51
10,897.24
15,232.36
growth rate 6.8% 27.2% 12,765.6% 24.5% 9.7% 13.6% 7.4% 3.4% 39.8%
Cur.Assets 248.82
321.61
325.38
422.62
423.72
641.83
1,849.04
growth rate 29.3% 1.2% 29.9% 0.3% 51.5% 188.1%
Total Assets 7,443.20
6,983.42
6,802.26
7,425.42
7,566.99
9,616.43
10,708.66
11,915.46
12,573.19
12,916.02
17,794.37
growth rate -6.2% -2.6% 9.2% 1.9% 27.1% 11.4% 11.3% 5.5% 2.7% 37.8%
Cash 207.90
2,313.67
2,269.93
2,502.86
192.66
240.36
217.35
314.28
320.57
515.21
1,608.62
growth rate 1,012.9% -1.9% 10.3% -92.3% 24.8% -9.6% 44.6% 2.0% 60.7% 212.2%
Inventory 1.73
4.88
7.95
3.23
1.31
0.48
0.65
growth rate 182.9% 62.8% -59.3% -59.7% -63.5% 35.9%
Cur.Liabilities 6,420.06
8,428.04
8,743.26
9,978.25
10,837.01
11,042.16
15,423.68
growth rate 31.3% 3.7% 14.1% 8.6% 1.9% 39.7%
Liabilities 6,807.70
6,407.93
6,220.85
6,629.70
6,827.41
8,598.14
9,632.92
10,612.13
11,115.64
11,280.32
15,786.84
growth rate -5.9% -2.9% 6.6% 3.0% 25.9% 12.0% 10.2% 4.7% 1.5% 40.0%
LT Debt 2,010.00
2,011.00
12.54
46.23
399.99
163.84
884.29
625.20
267.19
212.66
326.96
growth rate 0.1% -99.4% 268.6% 765.2% -59.0% 439.7% -29.3% -57.3% -20.4% 53.7%
Equity 635.50
575.49
581.41
795.72
739.58
1,008.29
1,075.74
1,303.33
1,457.55
1,635.69
1,911.11
growth rate -9.4% 1.0% 36.9% -7.1% 36.3% 6.7% 21.2% 11.8% 12.2% 16.8%
Common Shares 19.00
40.00
58.00
59.00
61.00
65.00
72.00
73.00
80.00
80.00
83.00
growth rate 110.5% 45.0% 1.7% 3.4% 6.6% 10.8% 1.4% 9.6% 0.0% 3.8%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 7.00
7.21
4.12
8.14
5.05
10.53
17.38
22.18
17.62
20.94
18.46
growth rate 3.0% -42.9% 97.8% -37.9% 108.4% 65.0% 27.7% -20.6% 18.9% -11.9%
Cash Dividends 9.00
10.24
10.70
11.11
3.02
14.87
15.90
26.21
41.63
53.04
62.45
growth rate 13.8% 4.5% 3.9% -72.8% 391.8% 6.9% 64.9% 58.9% 27.4% 17.7%
Cash From OA 123.40
151.88
183.08
191.65
99.28
113.43
139.91
207.96
270.01
153.93
158.68
growth rate 23.1% 20.5% 4.7% -48.2% 14.3% 23.4% 48.6% 29.8% -43.0% 3.1%
FCF per Share 7.60
4.72
3.09
3.39
1.46
2.11
1.07
2.52
3.04
1.83
1.24
growth rate -37.9% -34.5% 9.7% -56.9% 44.5% -49.3% 135.5% 20.6% -39.8% -32.2%
Sale Purchase of Stock 363.01
0.89
-55.03
12.68
0.30
0.37
0.45
growth rate -99.8% -100.0% 100.0% -97.6% 20.8% 23.0%
FCF 144.00
178.00
179.00
184.00
97.00
101.00
121.00
186.00
252.00
133.00
140.00
growth rate 23.6% 0.6% 2.8% -47.3% 4.1% 19.8% 53.7% 35.5% -47.2% 5.3%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 289.60
347.51
322.09
302.44
274.38
327.55
404.28
440.45
522.21
559.31
577.43
growth rate 20.0% -7.3% -6.1% -9.3% 19.4% 23.4% 9.0% 18.6% 7.1% 3.2%
Op.Income -432.30
-226.75
33.86
273.14
118.29
141.89
181.16
197.42
236.68
250.58
226.61
growth rate 0.0% 100.0% 706.8% -56.7% 20.0% 27.7% 9.0% 19.9% 5.9% -9.6%
IBT -230.73
34.91
34.95
107.07
115.01
162.99
172.83
215.93
238.71
209.45
growth rate 100.0% 0.1% 206.3% 7.4% 41.7% 6.0% 24.9% 10.6% -12.3%
Net Income -502.30
-226.75
33.86
273.14
67.62
71.58
100.66
67.82
166.11
185.72
164.09
growth rate 0.0% 100.0% 706.8% -75.2% 5.9% 40.6% -32.6% 144.9% 11.8% -11.7%
EPS -27.09
-5.97
0.38
4.44
1.11
1.09
1.40
0.92
2.07
2.31
1.91
growth rate 0.0% 100.0% 1,068.4% -75.0% -1.8% 28.4% -34.3% 125.0% 11.6% -17.3%
Gross Profit 274.38
327.55
404.28
440.45
522.21
559.31
577.43
growth rate 19.4% 23.4% 9.0% 18.6% 7.1% 3.2%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 104.14
99.39
90.23
125.27
131.82
growth rate -4.6% -9.2% 38.8% 5.2%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable
growth rate
Acct.Payable 10,897.24
11,034.93
12,702.09
14,603.38
15,232.36
growth rate 1.3% 15.1% 15.0% 4.3%
Cur.Assets 515.21
725.17
1,561.12
1,326.66
1,849.04
growth rate 40.8% 115.3% -15.0% 39.4%
Total Assets 12,916.02
13,085.87
15,004.89
17,152.88
17,794.37
growth rate 1.3% 14.7% 14.3% 3.7%
Cash 515.21
520.50
1,328.96
1,045.64
1,608.62
growth rate 1.0% 155.3% -21.3% 53.8%
Inventory 0.48
0.48
0.48
0.95
0.65
growth rate -0.2% 0.4% 99.8% -32.1%
Cur.Liabilities 11,067.66
11,225.94
12,909.51
14,814.40
15,423.68
growth rate 1.4% 15.0% 14.8% 4.1%
Liabilities 11,280.32
11,445.25
13,233.24
15,185.62
15,786.84
growth rate 1.5% 15.6% 14.8% 4.0%
LT Debt 212.66
212.85
311.63
326.70
326.96
growth rate 0.1% 46.4% 4.8% 0.1%
Equity 1,635.69
1,640.61
1,674.99
1,870.83
1,911.11
growth rate 0.3% 2.1% 11.7% 2.2%
Common Shares 79.01
78.28
78.34
86.61
86.68
growth rate -0.9% 0.1% 10.6% 0.1%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 4.41
2.60
1.06
2.34
12.47
growth rate -41.2% -59.2% 120.6% 433.9%
Cash Dividends -13.65
14.45
14.30
16.13
17.56
growth rate 100.0% -1.1% 12.8% 8.9%
Cash From OA 57.82
-10.79
26.43
37.99
105.06
growth rate -100.0% 100.0% 43.8% 176.5%
Sale Purchase of Stock
growth rate
FCF 53.41
-13.39
25.37
35.66
92.59
growth rate -100.0% 100.0% 40.6% 159.7%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 143.32
122.23
114.90
155.07
185.23
growth rate -14.7% -6.0% 35.0% 19.5%
Op.Income 104.14
44.02
33.86
64.89
83.83
growth rate -57.7% -23.1% 91.7% 29.2%
IBT 61.90
40.69
32.02
59.36
77.37
growth rate -34.3% -21.3% 85.4% 30.3%
Net Income 49.01
31.88
25.10
47.61
59.50
growth rate -35.0% -21.3% 89.7% 25.0%
EPS
growth rate
Gross Profit 143.32
122.23
114.90
155.07
185.23
growth rate -14.7% -6.0% 35.0% 19.5%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (38.68)

YOY Growth Grade:

D (37.04)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 25.53 28.72 12.88
EPS / Growth 23.5% 1.20 1.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 14.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 13.1% 13.1%
Future PE 2.00 21.51 21.51
Future EPS 1.32 4.08 4.08
Value Price
MOS %
0.65
-98.1%
21.70
-36.8%
21.70
-36.8%
MOS Price 0.33 10.85 10.85
IRT 25.15 11.91 11.91

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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