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United Community Banks (UCB)

NYSE:UCB

UCB

United Community Banks

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United Community Banks (UCB) Ratios

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United Community Banks Ratios

UCB's free cash flow for Q4 2024 was $0.62. For the 2024 fiscal year, UCB's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	26.42	17.33	26.42	0.61	0.56
Quick Ratio	30.95	17.33	30.95	0.82	0.75
Cash Ratio	3.22	3.93	3.22	0.20	0.18
Solvency Ratio	0.02	<0.01	0.02	1.08	0.48
Operating Cash Flow Ratio	3.82	1.15	3.82	0.03	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -17.11B	$ -19.61B	$ -17.11B	$ 6.58B	$ 4.55B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.01	0.04	0.01	0.02
Debt-to-Equity Ratio	0.32	0.10	0.32	0.11	0.16
Debt-to-Capital Ratio	0.24	0.09	0.24	0.10	0.14
Long-Term Debt-to-Capital Ratio	0.24	0.09	0.24	0.10	0.14
Financial Leverage Ratio	8.89	8.37	8.89	9.43	8.86
Debt Service Coverage Ratio	4.96	0.55	4.96	9.00	2.77
Interest Coverage Ratio	5.86	0.55	5.86	11.69	3.72
Debt to Market Cap	0.24	0.09	0.24	0.08	0.14
Interest Debt Per Share	8.77	6.33	8.77	3.15	4.61
Net Debt to EBITDA	0.96	-2.45	0.96	-5.91	-6.38
Profitability Margins
Gross Profit Margin	100.00%	60.60%	100.00%	100.00%	100.00%
EBIT Margin	41.01%	18.01%	41.01%	50.66%	32.76%
EBITDA Margin	43.75%	21.49%	43.75%	50.36%	31.42%
Operating Profit Margin	41.01%	18.01%	41.01%	50.66%	32.76%
Pretax Profit Margin	41.01%	18.01%	41.01%	50.66%	32.76%
Net Profit Margin	31.96%	14.52%	31.96%	39.30%	25.66%
Continuous Operations Profit Margin	31.96%	14.52%	31.96%	39.30%	25.66%
Net Income Per EBT	77.94%	80.65%	77.94%	77.58%	78.34%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.16%	0.69%	1.16%	1.29%	0.92%
Return on Equity (ROE)	10.27%	5.75%	10.27%	12.14%	8.17%
Return on Capital Employed (ROCE)	1.49%	0.86%	1.49%	3.57%	2.31%
Return on Invested Capital (ROIC)	2.45%	0.62%	2.45%	13.59%	42.11%
Return on Tangible Assets	1.19%	0.71%	1.19%	1.32%	0.94%
Earnings Yield	7.70%	5.47%	7.70%	8.54%	6.94%
Efficiency Ratios
Receivables Turnover	11.92	14.71	11.92	15.97	13.41
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.91	3.07	2.91	2.80	2.93
Asset Turnover	0.04	0.05	0.04	0.03	0.04
Working Capital Turnover Ratio	-5.02	0.31	-5.02	-0.17	-0.14
Cash Conversion Cycle	30.61	24.81	30.61	22.86	27.22
Days of Sales Outstanding	30.61	24.81	30.61	22.86	27.22
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	30.61	24.81	30.61	22.86	27.22
Cash Flow Ratios
Operating Cash Flow Per Share	5.69	2.50	5.69	4.09	1.91
Free Cash Flow Per Share	5.29	1.88	5.29	3.78	1.69
CapEx Per Share	0.40	0.62	0.40	0.30	0.22
Free Cash Flow to Operating Cash Flow	0.93	0.75	0.93	0.93	0.88
Dividend Paid and CapEx Coverage Ratio	4.45	1.60	4.45	3.58	1.96
Capital Expenditure Coverage Ratio	14.22	4.06	14.22	13.57	8.60
Operating Cash Flow Coverage Ratio	0.69	0.91	0.69	1.45	0.49
Operating Cash Flow to Sales Ratio	0.70	0.23	0.70	0.52	0.25
Free Cash Flow Yield	15.66%	6.46%	15.66%	10.53%	5.93%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.99	18.29	12.99	11.71	14.42
Price-to-Sales (P/S) Ratio	4.15	2.66	4.15	4.60	3.70
Price-to-Book (P/B) Ratio	1.33	1.05	1.33	1.42	1.18
Price-to-Free Cash Flow (P/FCF) Ratio	6.39	15.49	6.39	9.50	16.87
Price-to-Operating Cash Flow Ratio	5.94	11.67	5.94	8.80	14.91
Price-to-Earnings Growth (PEG) Ratio	-0.86	-0.47	-0.86	0.21	-0.14
Price-to-Fair Value	1.33	1.05	1.33	1.42	1.18
Enterprise Value Multiple	10.45	9.91	10.45	3.23	5.40
Enterprise Value	3.97B	2.75B	3.97B	1.12B	1.08B
EV to EBITDA	10.45	9.91	10.45	3.23	5.40
EV to Sales	4.57	2.13	4.57	1.63	1.70
EV to Free Cash Flow	7.03	12.42	7.03	3.35	7.73
EV to Operating Cash Flow	6.53	9.36	6.53	3.11	6.83
Tangible Book Value Per Share	18.01	19.31	18.01	230.01	205.40
Shareholders’ Equity Per Share	25.32	27.73	25.32	25.27	24.13
Tax and Other Ratios
Effective Tax Rate	0.22	0.19	0.22	0.22	0.22
Revenue Per Share	8.14	10.98	8.14	7.81	7.69
Net Income Per Share	2.60	1.59	2.60	3.07	1.97
Tax Burden	0.78	0.81	0.78	0.78	0.78
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.33	0.27	0.33	0.36	0.36
Stock-Based Compensation to Revenue	0.01	<0.01	0.01	<0.01	0.01
Income Quality	2.19	1.57	2.19	1.33	0.97

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