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Upturn AI SWOT - About
United Community Banks, Inc (UCB-PI)
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Upturn Advisory Summary
08/14/2025: UCB-PI (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
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 10.28% | Avg. Invested days 84 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.94 | 52 Weeks Range 21.73 - 24.77 | Updated Date 05/24/2025 |
52 Weeks Range 21.73 - 24.77 | Updated Date 05/24/2025 | ||
Dividends yield (FY) 6.88% | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.01% | Operating Margin (TTM) 44.24% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 7.54% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 3032598784 | Price to Sales(TTM) - |
Enterprise Value 3032598784 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 118639570 |
Shares Outstanding - | Shares Floating 118639570 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
United Community Banks, Inc
Company Overview
History and Background
United Community Banks, Inc. was founded in 1950 in Blairsville, Georgia. Initially focused on serving local communities, it has expanded through organic growth and strategic acquisitions across the Southeast.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals and small to medium-sized businesses, including deposit accounts, loans, and other financial products.
- Commercial Banking: Offers specialized financial solutions to larger businesses, including commercial lending, treasury management, and international banking services.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
Lynn Harton serves as the Chairman and Chief Executive Officer. The organizational structure includes various departments such as lending, operations, finance, and risk management, overseen by senior management executives and a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects. Market share data is not readily available at the product level, but United Community Banks competes with regional and national banks like Truist and Regions Financial.
- Small Business Loans: Loans to small businesses for working capital, equipment purchases, and other needs. Competitors include Bank of America, Wells Fargo, and other regional players.
- Personal Banking Services: Checking and savings accounts, mortgages, and personal loans. Competitors include large national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment characterized by rising interest rates, increased regulatory scrutiny, and technological disruption.
Positioning
United Community Banks is a regional bank focused on community and commercial banking in the Southeast. Its competitive advantages include its strong customer relationships, local market knowledge, and efficient operations.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be in the billions of dollars. United Community Banks is positioned to capture a share of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Diversified revenue streams
- Solid credit quality
- Efficient operations
Weaknesses
- Limited geographic diversification
- Exposure to regional economic fluctuations
- Higher reliance on Commercial Real Estate Lending
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets in the Southeast
- Increased demand for commercial lending
- Technological advancements in banking services
- Acquisition opportunities
Threats
- Rising interest rates
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Regions Financial Corporation (RF)
- Pinnacle Financial Partners (PNFP)
Competitive Landscape
United Community Banks competes with larger regional and national banks, as well as smaller community banks. Its advantages include its strong customer relationships and local market expertise, while its disadvantages include its smaller scale and limited geographic diversification.
Major Acquisitions
Reliant Bancorp
- Year: 2021
- Acquisition Price (USD millions): 759
- Strategic Rationale: Expanded UCBI's presence into the attractive Nashville, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends discussion.
Future Projections: Future growth projections based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives.
Summary
United Community Banks is a regional bank with a strong presence in the Southeast. It benefits from solid credit quality and efficient operations, but faces challenges from larger competitors and economic fluctuations. Strategic acquisitions have fueled growth, but continued geographic diversification is needed. The bank's future depends on its ability to adapt to technological changes and manage interest rate risk.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on thorough research and consultation with a qualified financial advisor.
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 NYSE | Headquaters Greenville, SC, United States | ||
IPO Launch date - | 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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