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Upturn AI SWOT - About
United Community Banks, Inc. (UCB)
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Upturn Advisory Summary
07/07/2025: UCB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $33.43
1 Year Target Price $33.43
| 3 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.45% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/07/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.86B USD | Price to earnings Ratio 15.07 | 1Y Target Price 33.43 |
Price to earnings Ratio 15.07 | 1Y Target Price 33.43 | ||
Volume (30-day avg) 7 | Beta 0.8 | 52 Weeks Range 22.74 - 34.54 | Updated Date 07/7/2025 |
52 Weeks Range 22.74 - 34.54 | Updated Date 07/7/2025 | ||
Dividends yield (FY) 3.22% | Basic EPS (TTM) 2.07 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.78% | Operating Margin (TTM) 43.22% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 7.68% |
Valuation
Trailing PE 15.07 | Forward PE 12.53 | Enterprise Value 3349647616 | Price to Sales(TTM) 4.26 |
Enterprise Value 3349647616 | Price to Sales(TTM) 4.26 | ||
Enterprise Value to Revenue 4.48 | Enterprise Value to EBITDA - | Shares Outstanding 121499000 | Shares Floating 120884496 |
Shares Outstanding 121499000 | Shares Floating 120884496 | ||
Percent Insiders 0.42 | Percent Institutions 85.63 |
Upturn AI SWOT
United Community Banks, Inc.
Company Overview
History and Background
United Community Banks, Inc. was founded in 1950 as Towns County Bank in Blairsville, Georgia. Over the years, it has grown through organic expansion and strategic acquisitions to become a leading regional bank in the Southeast.
Core Business Areas
- Community Banking: Offers a range of banking services to individuals and small to medium-sized businesses, including deposit accounts, loans, and other financial services.
- Commercial Banking: Provides specialized banking solutions for larger businesses, including commercial lending, treasury management, and other corporate financial services.
- Wealth Management: Offers wealth management services, including financial planning, investment management, and trust services.
Leadership and Structure
Lynn Harton serves as the Chairman and CEO. The company operates with a regional management structure overseen by a Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes like expansion, working capital, and equipment financing. Competition includes Truist (TFC) and Regions Financial (RF).
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Competitors include Wells Fargo (WFC) and Bank of America (BAC).
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include Chase (JPM) and Citibank (C).
Market Dynamics
Industry Overview
The banking industry is currently facing a mixed environment, influenced by interest rate fluctuations, regulatory changes, and technological advancements. Increased competition from fintech companies is also a factor.
Positioning
United Community Banks, Inc. positions itself as a community-focused bank with a strong emphasis on customer relationships and local market knowledge. It aims to differentiate itself through superior customer service and tailored financial solutions.
Total Addressable Market (TAM)
The TAM for regional banking in the Southeast is estimated at $500 billion. UCBI is positioned to capture a share of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Strong customer relationships
- Solid financial performance
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Strategic acquisitions to enhance market share
- Growing demand for wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting loan demand
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- TFC
- RF
- FCNCA
Competitive Landscape
UCBI competes with larger national and regional banks as well as smaller community banks. Its competitive advantage lies in its strong customer relationships and local market knowledge.
Major Acquisitions
Reliant Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 757
- Strategic Rationale: Expanded UCBI's presence in the Nashville, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: United Community Banks, Inc. has grown steadily through organic expansion and acquisitions, particularly in the Southeast region.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by loan growth and expansion into new markets.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets through strategic acquisitions.
Summary
United Community Banks, Inc. is a stable regional bank with a strong presence in the Southeast. It has a solid growth trajectory driven by organic expansion and strategic acquisitions. However, it faces competition from larger banks and fintech companies, and needs to continue innovating to stay competitive. The company needs to watch out for interest rate risks and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About United Community Banks, Inc.
Exchange NASDAQ | Headquaters Greenville, SC, United States | ||
IPO Launch date 2002-03-18 | Chairman & CEO Mr. Herbert Lynn Harton | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2982 | Website https://www.ucbi.com |
Full time employees 2982 | Website https://www.ucbi.com | ||
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs. In addition, the company provides private banking, investment management, investment advice, financial planning, estate, and retirement planning and insurance products and services; trust services to manage fiduciary assets; non-deposit investment and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; and reinsurance on property insurance contracts. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
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