UCB Valuation

United Community Banks Inc

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29.700

+0.23(0.780%)1D

Overview
Forecast
Valuation
Earnings

UCB Relative Valuation

UCB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, UCB is overvalued; if below, it's undervalued.

Historical Valuation

United Community Banks Inc (UCB) is now in the Undervalued zone, suggesting that its current forward PE ratio of 10.72 is considered Undervalued compared with the five-year average of 12.01. The fair price of United Community Banks Inc (UCB) is between 30.38 to 37.03 according to relative valuation methord. Compared to the current price of 29.70 USD , United Community Banks Inc is Undervalued By 2.25%.

Relative Value

Fair Zone

30.38-37.03

Current Price：29.70

2.25%

Undervalued

10.72

Trailing

Forward

0.00

EV/EBITDA

United Community Banks Inc. (UCB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

United Community Banks Inc. (UCB) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.31

United Community Banks Inc. (UCB) has a current PS of 3.31. The 5-year average PS is 3.50. The thresholds are as follows: Strongly Undervalued below 2.52, Undervalued between 2.52 and 3.01, Fairly Valued between 3.99 and 3.01, Overvalued between 3.99 and 4.48, and Strongly Overvalued above 4.48. The current Forward PS of 3.31 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

United Community Banks Inc. (UCB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

United Community Banks Inc. (UCB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

United Community Banks Inc (UCB) has a current Price-to-Book (P/B) ratio of 1.02. Compared to its 3-year average P/B ratio of 1.10 , the current P/B ratio is approximately -7.36% higher. Relative to its 5-year average P/B ratio of 1.20, the current P/B ratio is about -14.76% higher. United Community Banks Inc (UCB) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 9.50%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 9.36% , the current FCF yield is about -100.00% lower.

1.02

P/B

Median3y

1.10

Median5y

1.20

0.00

FCF Yield

Median3y

9.50

Median5y

9.36

Competitors Valuation Multiple

The average P/S ratio for UCB's competitors is 3.61, providing a benchmark for relative valuation. United Community Banks Inc Corp (UCB) exhibits a P/S ratio of 3.31, which is -8.42% above the industry average. Given its robust revenue growth of 5.43%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

UCB.N

United Community Banks Inc

Eastern Bankshares Inc

Cathay General Bancorp

3.82

4.64%

3.18B

Performance Decomposition

Market capitalization of UCB decreased by 1.00% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 27.44 to 31.32.

The secondary factor is the Revenue Growth, contributed 5.43%to the performance.

Overall, the performance of UCB in the past 1 year is driven by Margin Expansion. Which is more sustainable.

5.43%

242.77M → 255.97M

Revenue Growth

14.14%

27.44 → 31.32

Margin Expansion

-20.57%

16.99 → 13.50

P/E Change

-1.00%