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Market Price

27.64 

0.01 0.0%

as of Apr 12 '21

52 Week Range:

24.08 28.25


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 a bank holding company for the United Community Bank, a state-chartered bank that provides various banking products and services. The company accepts checking, savings, money market, negotiable order of withdrawal, time, and other deposit accounts, as well as certificates of deposit. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage and construction, consumer direct loans, and indirect auto loans, as well as home equity lines of credits. The company also offers investment products; wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; reinsurance on a property insurance contract; and payment processing, merchant, wire transfer, private banking, and other financial services. It serves individuals, small businesses, mid-sized commercial businesses, and non-profit organizations. The company operates through 193 locations in Georgia, North Carolina, South Carolina, Tennessee, and Florida markets. 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
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%
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.Payable 9,807.70
10,534.51
10,897.24
15,232.36
growth rate 7.4% 3.4% 39.8%
Cur.Assets 422.62
423.72
641.83
1,849.04
growth rate 0.3% 51.5% 188.1%
Total Assets 11,915.46
12,573.19
12,916.02
17,794.37
growth rate 5.5% 2.7% 37.8%
Cash 314.28
320.57
515.21
1,608.62
growth rate 2.0% 60.7% 212.2%
Inventory 3.23
1.31
0.48
0.65
growth rate -59.7% -63.5% 35.9%
Cur.Liabilities 9,978.25
10,837.01
11,042.16
15,423.68
growth rate 8.6% 1.9% 39.7%
Liabilities 10,612.13
11,115.64
11,280.32
15,786.84
growth rate 4.7% 1.5% 40.0%
LT Debt 625.20
267.19
212.66
326.96
growth rate -57.3% -20.4% 53.7%
Equity 1,303.33
1,457.55
1,635.69
1,911.11
growth rate 11.8% 12.2% 16.8%
Common Shares 77.58
79.23
79.01
86.68
growth rate 2.1% -0.3% 9.7%
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 22.18
17.62
20.94
18.46
growth rate -20.6% 18.9% -11.9%
Cash Dividends 26.21
41.63
53.04
62.45
growth rate 58.9% 27.4% 17.7%
Cash From OA 207.96
270.01
153.93
158.68
growth rate 29.8% -43.0% 3.1%
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 440.45
522.21
559.31
577.43
growth rate 18.6% 7.1% 3.2%
Op.Income 197.42
236.68
250.58
226.61
growth rate 19.9% 5.9% -9.6%
IBT 172.83
215.93
238.71
209.45
growth rate 24.9% 10.6% -12.3%
Net Income 67.82
166.11
185.72
164.09
growth rate 144.9% 11.8% -11.7%
Gross Profit 440.45
522.21
559.31
577.43
growth rate 18.6% 7.1% 3.2%

Quarterly Statements

Item Name Mar '20 Jun '20 Sep '20 Dec '20
Balance Sheet
Acct.Payable 11,034.93
12,702.09
14,603.38
15,232.36
growth rate 15.1% 15.0% 4.3%
Cur.Assets 725.17
1,561.12
1,326.66
1,849.04
growth rate 115.3% -15.0% 39.4%
Total Assets 13,085.87
15,004.89
17,152.88
17,794.37
growth rate 14.7% 14.3% 3.7%
Cash 520.50
1,328.96
1,045.64
1,608.62
growth rate 155.3% -21.3% 53.8%
Inventory 0.48
0.48
0.95
0.65
growth rate 0.4% 99.8% -32.1%
Cur.Liabilities 11,225.94
12,909.51
14,814.40
15,423.68
growth rate 15.0% 14.8% 4.1%
Liabilities 11,445.25
13,233.24
15,185.62
15,786.84
growth rate 15.6% 14.8% 4.0%
LT Debt 212.85
311.63
326.70
326.96
growth rate 46.4% 4.8% 0.1%
Equity 1,640.61
1,674.99
1,870.83
1,911.11
growth rate 2.1% 11.7% 2.2%
Common Shares 78.28
78.34
86.61
86.68
growth rate 0.1% 10.6% 0.1%
Cash Flow Statement Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 2.60
1.06
2.34
12.47
growth rate -59.2% 120.6% 433.9%
Cash Dividends 14.45
14.30
16.13
17.56
growth rate -1.1% 12.8% 8.9%
Cash From OA -10.79
26.43
37.99
105.06
growth rate 100.0% 43.8% 176.5%
FCF -13.39
25.37
35.66
92.59
growth rate 100.0% 40.6% 159.7%
Income Statement Mar '20 Jun '20 Sep '20 Dec '20
Sales 122.23
114.90
155.07
185.23
growth rate -6.0% 35.0% 19.5%
Op.Income 44.02
33.86
64.89
83.83
growth rate -23.1% 91.7% 29.2%
IBT 40.69
32.02
59.36
77.37
growth rate -21.3% 85.4% 30.3%
Net Income 31.88
25.10
47.61
59.50
growth rate -21.3% 89.7% 25.0%
Gross Profit 122.23
114.90
155.07
185.23
growth rate -6.0% 35.0% 19.5%

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:

E (20.38)

YOY Growth Grade:

D (35.68)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is undefined, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE
EPS / Growth

Value Price & Investment Recovery Time

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

Equity Growth Rate: 15.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 15.0% 15.0% 15.0%
Future PE 0.01 0.01 10.00
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT

Graham Number:

Current EPS is undefined, therefore Graham Number cannot be calculated.
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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