Home Sectors Financial Services Present Change: United Community Banking (NASDAQ: UCBI)

Present Change: United Community Banking (NASDAQ: UCBI)


United Community Banking trades as part of the banking industry and is in the financial services sector. The company CEO is H. Lynn Harton. United Community banking Inc is a financial services provider. The company functions through the Union Community Bank, which provides retail and corporate banking services, including checking, savings, and time deposit accounts.

Previous Intraday Trading Performance:

The UCBI stock showed a previous change of -2.30% with an open at 26.40 and a close of 25.88. It reached an intraday high of 26.45 and a low of 25.78.

SeekingAlpha:  United Community Banks acquires First Madison Bank & Trust bolstering presence in Georgia


The stock has a market cap of $2.1b with 79.3m shares outstanding, of which the float is 77.4m shares. Trading volume reached 611,556 shares compared to its average volume of 488,760 shares. Based on the current average volume and close price, the trading liquidity is bad, highly speculative and an investor may want to avoid this stock.

Historical Trading Performance:

Over the last five trading days, United Community Banking shares returned -7.14% and in the past 30 trading days it returned -0.23%. Over three months, it changed 12.17%. In one year it has changed -18.37% and within that year its 52-week high was 34.18 and its 52-week low was 20.23. UCBI stock is 27.93% above its 52 Week Low.

Our calculations show a 200 day moving average of 27.88 and a 50 day moving average of 25.70. Currently UCBI stock is trading -7.16% below its 200 day moving average and may not be a good opportunity to buy as it may continue to trend down.

SeekingAlpha:  United Community Banks acquires First Madison Bank & Trust bolstering presence in Georgia


The last annual fiscal EPS for the company was reported at 2.15 that ended on 31st of December 2018, which according to the previous close, that is a PE of 12.56. Based on 3 analyst estimates, the consensus EPS for the next quarter is 0.55. The TTM EPS is 2.15, which comes to a TTM PE of 12.04. Historically, the PE high was 37.20 and the PE low was 3.30. If the stock reached its PE low, that would represent a price of 7.09, which is a decrease of -72.59%.

The following are the last four quarter reported earnings per share:
12-31-2018:  0.57
09-30-2018:  0.55
06-30-2018:  0.53
03-31-2018:  0.50

The dividend per share is currently 0.64, which is a dividend yield of 2.47%. Also, the payout ratio is 29.77%, therefore the dividend is safe according to our calculations.

Base on our calculations, the intrinsic value per share is 38.16, which means it is possibly undervalued and has a margin of safety of 32.17%

Indicators to Watch:

Based on the latest filings, there is 2.40% of insider ownership and 137.10% of institutional ownership. Short-interest is 0, which is 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio is 0.00.

The current calculated beta is 1.26

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Fundamental Indicators:

Based on last reported financials, the company’s return on equity is 11.95%, return on assets is 1.35%, profit margin is 28.01%, price-to-sales is 3.54 and price-to-book is 1.52.

Company Scores:

All scores are out of six:
 3  :Valuation Score
 3  :Past Performance Score
 6  :Financial Strength Score
 1  :Future Growth Score
 3  :Dividend Score
 3  :Overall Score

John Jones
Worked for several Wall Street firms: Salomon Smith Barney, UBS, and Charles Schwab. Has developed skills and gained extensive experience over the years that is used today to uncover winning penny stocks.Also was an attorney for small businesses in Scottsdale, Arizona. That experience and understanding of law provides a unique perspective and edge in discovering quality companies in various industries.