United Community Banks UCB
$
Relative Strength Index (RSI)
- The Relative Strength Index (RSI) is a momentum oscillator that measures the speed and change of price movements. It is typically used to identify overbought or oversold conditions in financial markets.
- The RSI is calculated using the following formula:
RSI = 100 - (100 / (1 + RS))
Where RS is the ratio of the average gains to the average losses over a specified period.
- The default time period used is 14 days.
- RSI values range between 0 and 100.
RSI values above 70 are considered overbought (indicating a potentially opportune time to sell)
RSI values below 30 are considered oversold (indicating a potentially opportune time to buy)
RSI is not a perfect indicator and should be used in conjunction with other technical analysis tools, this is for informational purposes only and is not a substitute for professional financial advice.
About
United Community Banks (UCB) Business Model and Operations Summary
United Community Banks Inc is a bank holding company that operates through its wholly-owned subsidiary, Union Community Bank. The bank has scores of offices throughout portions of Georgia, Tennessee, and the Carolinas. It has traditionally grown through the organic growth of existing offices and de novo locations, complemented by selective acquisitions. United conducts substantially all of its operations through a community-focused operating model of separate community banks. The community banks offer a full range of retail and corporate banking services, including checking, savings, and time deposit accounts, as well as secured and unsecured loans, wire transfers, brokerage services, and other financial services. The bank's loan portfolio is well-diversified but predominantly commercial.
Key Insights
United Community Banks (UCB) Core Market Data and Business Metrics
Latest Closing Price
$27.7Market Cap
$3.30 BillionPrice-Earnings Ratio
13.58Total Outstanding Shares
119.18 Million SharesTotal Employees
3,071Dividend
$0.24 Per Share QuarterlyIPO Date
March 21, 2002SIC Description
State Commercial BanksPrimary Exchange
New York Stock ExchangeHeadquarters
200 E Camperdown Way, Greenville, SC, 29601
Historical Stock Splits
| Execution Date | Split Amount |
|---|---|
| No Historical Stock Splits | |
Cash Flow Statement
January 1, 2024 to December 31, 2024
| Metric | Value |
|---|---|
| Net Cash Flow, Continuing | $-484.00 Million |
| Net Cash Flow From Financing Activities | $157.31 Million |
| Net Cash Flow | $-484.00 Million |
| Net Cash Flow From Operating Activities | $349.73 Million |
| Net Cash Flow From Financing Activities, Continuing | $157.31 Million |
| Net Cash Flow From Investing Activities | $-991.04 Million |
Income Statement
January 1, 2024 to December 31, 2024
| Metric | Value |
|---|---|
| Interest Income/Expense After Provision For Losses | $776.42 Million |
| Net Income/Loss | $252.40 Million |
| Noninterest Expense | $578.17 Million |
| Income Tax Expense/Benefit, Current | $63.41 Million |
| Operating Expenses | $578.17 Million |
| Revenues | $901.17 Million |
Comprehensive Income
January 1, 2024 to December 31, 2024
| Metric | Value |
|---|---|
| Comprehensive Income/Loss Attributable To Noncontrolling Interest | $0 |
| Other Comprehensive Income/Loss | $278.67 Million |
| Other Comprehensive Income/Loss Attributable To Parent | $26.27 Million |
| Comprehensive Income/Loss | $278.67 Million |
| Comprehensive Income/Loss Attributable To Parent | $278.67 Million |
Balance Sheet
January 1, 2024 to December 31, 2024
| Metric | Value |
|---|---|
| Liabilities | $24.29 Billion |
| Assets | $27.72 Billion |
| Long-term Debt | $254.15 Million |
| Current Assets | $27.72 Billion |
| Noncurrent Assets | $0 |
| Fixed Assets | $394.26 Million |
Historical Dividends
Current dividend: $0.24 Per Share Quarterly
| Announcement Date | Payment Date | Record Date | Amount | Frequency |
|---|---|---|---|---|
| Feb 21, 2025 | Apr 4, 2025 | Mar 14, 2025 | $0.24 | Quarterly |
| Nov 14, 2024 | Jan 6, 2025 | Dec 16, 2024 | $0.24 | Quarterly |
| Aug 15, 2024 | Oct 4, 2024 | Sep 16, 2024 | $0.24 | Quarterly |