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Upturn AI SWOT - About
United Community Banks, Inc (UCB-PI)
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Upturn Advisory Summary
06/30/2025: 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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.31% | Avg. Invested days 77 | 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 06/30/2025 |
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 - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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. It has grown through organic expansion and strategic acquisitions, becoming a regional financial institution.
Core Business Areas
- Community Banking: Offers a range of banking services to individuals, small businesses, and commercial customers, including deposit accounts, loans, and other financial products.
- Wealth Management: Provides wealth management services, including financial planning, investment management, and trust services.
Leadership and Structure
Lynn Harton serves as Chairman and Chief Executive Officer. The company has a board of directors and a senior management team responsible for various functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans for businesses; includes term loans, lines of credit, and real estate financing. Competitors include Truist Financial Corporation (TFC), Regions Financial Corporation (RF), and Pinnacle Financial Partners (PNFP). Market share data is fragmented and depends on specific loan types and geographies.
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Competitors include Bank of America (BAC), Wells Fargo (WFC), and local credit unions. Market share varies by region.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include national banks and online banks. Market share is localized to the regions served by United Community Banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies.
Positioning
United Community Banks, Inc. positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages include strong customer relationships and a well-established presence in its target markets.
Total Addressable Market (TAM)
The TAM for community banking in the Southeast US is estimated to be in the billions of dollars. United Community Banks, Inc. is positioned to capture a portion of this market through its regional presence and focus on customer service.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid financial performance
- Customer-focused approach
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions
Threats
- Increasing competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- RF
- PNFP
Competitive Landscape
United Community Banks, Inc. faces competition from larger regional and national banks. Its advantages include personalized service and local expertise, while its disadvantages include smaller scale and limited geographic diversification.
Major Acquisitions
Reliant Bancorp
- Year: 2021
- Acquisition Price (USD millions): 544
- Strategic Rationale: Expanded UCBI's presence in the Nashville market.
Growth Trajectory and Initiatives
Historical Growth: United Community Banks, Inc. has demonstrated consistent growth through organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by loan growth and fee income.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
United Community Banks, Inc. exhibits solid fundamentals driven by steady growth and a customer-focused approach. The company should focus on adapting to digital trends and expanding its geographic footprint. While the competition is intense, its regional presence and community focus provide a competitive edge. Economic downturn and regulatory changes remain key watchpoints.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Industry Publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial performance data is based on available information and may be 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 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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