Home Sectors Financial Services Latest Performance: United Community Banking (NASDAQ: UCBI)

Latest Performance: United Community Banking (NASDAQ: UCBI)

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United Community Banking is in the financial services sector and is part of the banking industry. 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 0.11% with an open at 27.24 and a close of 27.28. It reached an intraday high of 27.50 and a low of 27.08.

SeekingAlpha:  18 Upcoming Dividend Increases

Liquidity:

The stock has a market cap of $2.2b with 79.0m shares outstanding, of which the float is 77.1m shares. Trading volume reached 429,413 shares compared to its average volume of 326,391 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 0.62% and in the past 30 trading days it returned -3.89%. Over three months, it changed 5.29%. In one year it has changed -15.98% and within that year its 52-week high was 33.67 and its 52-week low was 20.23. UCBI stock is 34.85% above its 52 Week Low.

Our calculations show a 200 day moving average of 26.05 and a 50 day moving average of 27.13. Currently UCBI stock is trading 4.74% above its 200 day moving average and may be a good opportunity to buy.

SeekingAlpha:  18 Upcoming Dividend Increases

Earnings:

The last annual fiscal EPS for the company was reported at 2.06 that ended on 31st of December 2018, which according to the previous close, that is a PE of 13.24. Based on 3 analyst estimates, the consensus EPS for the next quarter is 0.54. The TTM EPS is 2.15, which comes to a TTM PE of 12.69. 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 -74.00%.

Below was the last reported quarterly diluted earnings per share:

1stQtr of 2019 (Reported on 04/23/2019): 0.55
4thQtr of 2018 (Reported on 01/22/2019): 0.56
3rdQtr of 2018 (Reported on 10/23/2018): 0.54
2ndQtr of 2018 (Reported on 07/24/2018): 0.49
1stQtr of 2018 (Reported on 04/24/2018): 0.47

The dividend per share is currently 0.68, which is a dividend yield of 2.49%. Also, the payout ratio is 31.63%, therefore the dividend is safe according to our calculations.

Base on our calculations, the intrinsic value per share is 40.40, which means it is possibly undervalued and has a margin of safety of 32.48%.

Indicators to Watch:

The current calculated beta is 1.22.

Fundamental Indicators:

Based on last reported financials, the company’s return on equity is 12.50%, return on assets is 1.45%, profit margin is 28.41%, price-to-sales is 3.54 and price-to-book is 1.44.

Company Scores:

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

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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.