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Upturn AI SWOT - About
United Community Banks, Inc. (UCB)
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Upturn Advisory Summary
08/08/2025: 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 $34.92
1 Year Target Price $34.92
| 3 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.87% | Avg. Invested days 34 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/08/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.61B USD | Price to earnings Ratio 13.5 | 1Y Target Price 34.92 |
Price to earnings Ratio 13.5 | 1Y Target Price 34.92 | ||
Volume (30-day avg) 7 | Beta 0.85 | 52 Weeks Range 22.74 - 34.54 | Updated Date 08/9/2025 |
52 Weeks Range 22.74 - 34.54 | Updated Date 08/9/2025 | ||
Dividends yield (FY) 3.26% | Basic EPS (TTM) 2.2 |
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.61 | Actual 0.66 |
Profitability
Profit Margin 29.61% | Operating Margin (TTM) 45.64% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 7.86% |
Valuation
Trailing PE 13.5 | Forward PE 12.53 | Enterprise Value 3274961408 | Price to Sales(TTM) 3.91 |
Enterprise Value 3274961408 | Price to Sales(TTM) 3.91 | ||
Enterprise Value to Revenue 4.04 | Enterprise Value to EBITDA - | Shares Outstanding 121431000 | Shares Floating 120819248 |
Shares Outstanding 121431000 | Shares Floating 120819248 | ||
Percent Insiders 0.41 | Percent Institutions 85.42 |
Upturn AI SWOT
United Community Banks, Inc.
Company Overview
History and Background
United Community Banks, Inc. (UCBI) was founded in 1950 and is headquartered in Blairsville, Georgia. It has grown through acquisitions and organic expansion, becoming a regional bank with a presence in the Southeast.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Offers checking and savings accounts, mortgages, and other consumer financial products.
- Wealth Management: Provides investment management, trust services, and financial planning.
Leadership and Structure
Lynn Harton is the Chairman and CEO. The company operates with a traditional hierarchical structure, with regional presidents and functional department heads reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment purchases, and real estate. Market share data is regionally dependent and difficult to ascertain precisely on a national scale. Competitors include Truist (TFC), Regions Financial (RF), and smaller community banks.
- Mortgages: Offers residential mortgage loans. Market share varies by region. Competitors include large national mortgage lenders and other regional banks. Precise revenue figures are not publicly broken out.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share varies by region. Competitors include large national banks like Bank of America (BAC) and Wells Fargo (WFC), as well as other regional and community banks. Precise revenue figures are not publicly broken out.
Market Dynamics
Industry Overview
The banking industry is currently facing a complex environment, impacted by interest rate fluctuations, regulatory changes, and increasing competition from fintech companies.
Positioning
UCBI is positioned as a strong regional bank in the Southeast, focusing on community relationships and providing personalized service. They differentiate themselves by focusing on small to medium sized enterprises.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. UCBI is positioned to capture a portion of this TAM through its focus on community banking and relationship building.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southeast
- Experienced management team
- Solid credit quality
- Relationship-focused banking model
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on traditional banking model in a changing landscape
Opportunities
- Further expansion through acquisitions
- Increased focus on digital banking services
- Growth in wealth management business
- Capitalizing on disruption from larger banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- RF
- FCNCA
- PBCT
Competitive Landscape
UCBI's advantages include its strong regional presence and focus on relationship banking. Disadvantages include its smaller size compared to larger national banks and limited geographic diversification. The market share numbers are based on assets under management for regional southeast banks.
Major Acquisitions
Reliant Bancorp
- Year: 2021
- Acquisition Price (USD millions): 759
- Strategic Rationale: Expanded UCBI's presence in the Nashville market.
Growth Trajectory and Initiatives
Historical Growth: UCBI has experienced steady growth through acquisitions and organic expansion.
Future Projections: Analyst estimates project continued revenue growth and profitability, driven by expansion in the Southeast and increased focus on digital banking.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets.
Summary
United Community Banks demonstrates steady financial performance and strategic growth through acquisitions. Their focus on relationship banking and digital initiatives positions them well in the Southeast. However, they must navigate increased competition and adapt to evolving customer preferences to ensure long-term sustainability. Limited geographic diversity and smaller size compared to key competitors require UCBI to focus on market leadership within its region. Macroeconomic conditions can also impact revenues and profit margins for UCBI.
Peer Comparison
Sources and Disclaimers
Data Sources:
- United Community Banks, Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Analyst Reports
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. This is a simplified analysis and does not represent comprehensive due diligence.
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 2979 | Website https://www.ucbi.com |
Full time employees 2979 | 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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