United Community Banks, Inc.
UCBFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeUnited Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company carries a $3.94B market cap, placing it firmly in the mid-cap category. The company offers deposit products, including checking, savings, money market, and other deposit accounts.
Market Cap
$3.94B
Beta
0.85
P/E (TTM)
12.07
P/E (Fwd)
9.94
EPS (TTM)
$2.73
EPS (Fwd)
$3.31
ROE
9.5%
ROA
1.2%
Cash
$623.4M
Total Debt
$170.0M
Free CF
—
52W Change
16.0%
Annual Financials
Cash vs Debt
United Community Banks, Inc. holds $623.4M in cash against $170.0M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 9.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $868.1M to $1.04B.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing UCB.