Is United Community Stock a Good Investment?
United Community Investment Advice | UCB |
- Examine United Community's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research United Community's leadership team and their track record. Good management can help United Community navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact United Community's business and its evolving consumer preferences.
- Compare United Community's performance and market position to its competitors. Analyze how United Community is positioned in terms of product offerings, innovation, and market share.
- Check if United Community pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about United Community's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in United Community Banks, stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if United Community Banks, is a good investment.
Sell | Buy |
Strong Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Poor | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine United Community Stock
Researching United Community's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 83.0% of the company outstanding shares are owned by institutional investors. The company has Price to Book (P/B) ratio of 1.25. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. United Community Banks, last dividend was issued on the 16th of December 2024. The entity had 1:5 split on the 20th of June 2011.
To determine if United Community is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding United Community's research are outlined below:
| United Community has a poor financial position based on the latest SEC disclosures | |
| Over 83.0% of the company outstanding shares are owned by institutional investors | |
| On 4th of October 2024 United Community paid 0.24 per share dividend to its current shareholders | |
| Latest headline from americanbanker.com: Truist commits 725 million to help Western N.C. rebuild after Helene |
United Community Quarterly Liabilities And Stockholders Equity |
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Earnings surprises can significantly impact United Community's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises United Community's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-07-24 | 2024-06-30 | 0.51 | 0.58 | 0.07 | 13 |
United Community's market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 4.14 B.Market Cap |
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United Community's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Equity | 0.06 | 0.06 |
Determining United Community's profitability involves analyzing its financial statements and using various financial metrics to determine if United Community is a good buy. For example, gross profit margin measures United Community's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of United Community's profitability and make more informed investment decisions.
Please note, the presentation of United Community's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, United Community's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of United Community's management manipulating its earnings.
Evaluate United Community's management efficiency
The current year's Return On Equity is expected to grow to 0.06, whereas Return On Tangible Assets are forecasted to decline to 0. At present, United Community's Non Current Assets Total are projected to increase significantly based on the last few years of reporting. The current year's Other Current Assets is expected to grow to about 1.2 B, whereas Total Assets are forecasted to decline to about 24.8 B. United Community's management efficiency ratios could be used to measure how well United Community manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 27.73 | 41.67 | |
| Tangible Book Value Per Share | 19.31 | 36.19 | |
| Enterprise Value Over EBITDA | 34.41 | 36.13 | |
| Price Book Value Ratio | 1.06 | 2.10 | |
| Enterprise Value Multiple | 34.41 | 36.13 | |
| Price Fair Value | 1.06 | 2.10 | |
| Enterprise Value | 3.7 B | 3.9 B |
United Community showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Dividend Yield 0.028 | Forward Dividend Yield 0.028 | Forward Dividend Rate 0.96 | Beta 0.9 |
Basic technical analysis of United Stock
As of the 27th of November, United Community has the Coefficient Of Variation of 1013.2, semi deviation of 1.57, and Risk Adjusted Performance of 0.0823. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of United Community Banks,, as well as the relationship between them.United Community's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific United Community insiders, such as employees or executives, is commonly permitted as long as it does not rely on United Community's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases United Community insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Alan Kumler over a week ago Disposition of 173 shares by Alan Kumler of United Community at 32.79 subject to Rule 16b-3 | ||
Robert Edwards over two weeks ago Disposition of 200 shares by Robert Edwards of United Community subject to Rule 16b-3 | ||
Robert Edwards over two months ago Disposition of 1100 shares by Robert Edwards of United Community subject to Rule 16b-3 | ||
Alan Kumler over two months ago Acquisition by Alan Kumler of 2790 shares of United Community subject to Rule 16b-3 |
United Community's Outstanding Corporate Bonds
United Community issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. United Community Banks, uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most United bonds can be classified according to their maturity, which is the date when United Community Banks, has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand United Community's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing United Community's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0823 | |||
| Market Risk Adjusted Performance | 0.1079 | |||
| Mean Deviation | 1.6 | |||
| Semi Deviation | 1.57 | |||
| Downside Deviation | 1.76 | |||
| Coefficient Of Variation | 1013.2 | |||
| Standard Deviation | 2.43 | |||
| Variance | 5.89 | |||
| Information Ratio | 0.0457 | |||
| Jensen Alpha | (0.05) | |||
| Total Risk Alpha | (0.15) | |||
| Sortino Ratio | 0.0631 | |||
| Treynor Ratio | 0.0979 | |||
| Maximum Drawdown | 17.49 | |||
| Value At Risk | (2.57) | |||
| Potential Upside | 3.36 | |||
| Downside Variance | 3.09 | |||
| Semi Variance | 2.47 | |||
| Expected Short fall | (1.78) | |||
| Skewness | 2.92 | |||
| Kurtosis | 16.23 |
| Risk Adjusted Performance | 0.0823 | |||
| Market Risk Adjusted Performance | 0.1079 | |||
| Mean Deviation | 1.6 | |||
| Semi Deviation | 1.57 | |||
| Downside Deviation | 1.76 | |||
| Coefficient Of Variation | 1013.2 | |||
| Standard Deviation | 2.43 | |||
| Variance | 5.89 | |||
| Information Ratio | 0.0457 | |||
| Jensen Alpha | (0.05) | |||
| Total Risk Alpha | (0.15) | |||
| Sortino Ratio | 0.0631 | |||
| Treynor Ratio | 0.0979 | |||
| Maximum Drawdown | 17.49 | |||
| Value At Risk | (2.57) | |||
| Potential Upside | 3.36 | |||
| Downside Variance | 3.09 | |||
| Semi Variance | 2.47 | |||
| Expected Short fall | (1.78) | |||
| Skewness | 2.92 | |||
| Kurtosis | 16.23 |
Consider United Community's intraday indicators
United Community intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of United Community stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 7805.15 | |||
| Daily Balance Of Power | (0.64) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 34.41 | |||
| Day Typical Price | 34.4 | |||
| Price Action Indicator | (0.16) | |||
| Period Momentum Indicator | (0.29) |
United Stock media impact
Far too much social signal, news, headlines, and media speculation about United Community that are available to investors today. That information is available publicly through United media outlets and privately through word of mouth or via United internal channels. However, regardless of the origin, that massive amount of United data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of United Community news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of United Community relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to United Community's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive United Community alpha.
United Community Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards United Community can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
United Community Corporate Management
| Melinda JD | General VP | Profile | |
| Melinda Lux | General VP | Profile | |
| Robert Edwards | Executive Officer | Profile | |
| Mark Terry | Chief Officer | Profile | |
| Abraham Cox | Executive Officer | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in United Community Banks,. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators. You can also try the Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of United Community. If investors know United will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about United Community listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.03) | Dividend Share 0.93 | Earnings Share 1.53 | Revenue Per Share 6.912 | Quarterly Revenue Growth (0.01) |
The market value of United Community Banks, is measured differently than its book value, which is the value of United that is recorded on the company's balance sheet. Investors also form their own opinion of United Community's value that differs from its market value or its book value, called intrinsic value, which is United Community's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because United Community's market value can be influenced by many factors that don't directly affect United Community's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between United Community's value and its price, as these two are different measures arrived at by various means. Investors typically determine if United Community is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, United Community's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.