Contrasting United Community Banks (UCBI) & The Competition
United Community Banks (NASDAQ: UCBI) is one of 206 publicly-traded companies in the “Commercial Banks” industry, but how does it contrast to its competitors? We will compare United Community Banks to related businesses based on the strength of its valuation, institutional ownership, risk, profitability, dividends, analyst recommendations and earnings.
Volatility & Risk
United Community Banks has a beta of 0.87, meaning that its share price is 13% less volatile than the S&P 500. Comparatively, United Community Banks’ competitors have a beta of 0.73, meaning that their average share price is 27% less volatile than the S&P 500.
United Community Banks pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. United Community Banks pays out 27.4% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.9% and pay out 35.7% of their earnings in the form of a dividend.
This is a summary of current ratings for United Community Banks and its competitors, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Community Banks||0||2||3||1||2.83|
|United Community Banks Competitors||838||3923||2838||114||2.29|
United Community Banks currently has a consensus target price of $30.83, indicating a potential upside of 18.68%. As a group, “Commercial Banks” companies have a potential upside of 5.89%. Given United Community Banks’ stronger consensus rating and higher possible upside, equities analysts plainly believe United Community Banks is more favorable than its competitors.
Valuation & Earnings
This table compares United Community Banks and its competitors revenue, earnings per share (EPS) and valuation.
|Gross Revenue||EBITDA||Price/Earnings Ratio|
|United Community Banks||$424.67 million||N/A||17.79|
|United Community Banks Competitors||N/A||N/A||23.97|
United Community Banks is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.
This table compares United Community Banks and its competitors’ net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Community Banks||23.07%||10.42%||1.07%|
|United Community Banks Competitors||19.70%||8.37%||0.88%|
Insider & Institutional Ownership
89.7% of United Community Banks shares are owned by institutional investors. Comparatively, 47.4% of shares of all “Commercial Banks” companies are owned by institutional investors. 2.2% of United Community Banks shares are owned by company insiders. Comparatively, 11.9% of shares of all “Commercial Banks” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
United Community Banks beats its competitors on 11 of the 14 factors compared.
United Community Banks Company Profile
United Community Banks, Inc. (United) is a bank holding company. United conducts its operations through a community-focused operating model of separate community banks, which, as of December 31, 2016, operated at 139 locations throughout the Atlanta-Sandy Springs-Roswell, Georgia, and Gainesville, Georgia metropolitan statistical areas, upstate and coastal South Carolina, north and coastal Georgia, western North Carolina, and east Tennessee. The community banks offer a range of retail and corporate banking services, including checking, savings and time deposit accounts, secured and unsecured loans, wire transfers, brokerage services and other financial services. The Company operates through its subsidiary, United Community Bank, Blairsville, Georgia (the Bank). The Bank owns an insurance agency, United Community Insurance Services, Inc., known as United Community Advisory Services, which is a subsidiary of the Bank.
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