Financials United Community Banks, Inc.

Equities

UCB

US90984P3038

Banks

Market Closed - Nyse Other stock markets 01:30:02 11/09/2024 am IST			5-day change	1st Jan Change
28.62 ^USD	-0.56%		-5.04%	-2.19%

04/09	United Community Banks, Inc. Names Sally Pope Davis to Board of Directors	CI
03/09	United Community Banks Completes Sale of $318 Million Manufactured Housing Loan Portfolio to 21st Mortgage	MT

Projected Income Statement: United Community Banks, Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	574.1	657.9	706.9	890.1	893.2	978.1	1,021	-
Change	-	14.59%	7.45%	25.92%	0.36%	9.5%	4.39%	-100%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	259.2	296.9	310.2	448	349.2	413.6	442.3	-
Change	-	14.54%	4.49%	44.41%	-22.05%	18.46%	6.92%	-100%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	238.7	209.4	347.8	356	232.5	352.6	379.3	401
Change	-	-12.26%	66.04%	2.37%	-34.68%	51.63%	7.58%	5.71%
Net income ¹	185.7	164.1	261.3	269.1	180.8	260.9	287.3	304.5
Change	-	-11.65%	59.22%	3.01%	-32.8%	44.26%	10.14%	5.97%
Announcement Date	21/01/20	19/01/21	18/01/22	17/01/23	24/01/24	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2019 Q3	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2
Net sales ¹	148.4	146.8	144.4	149.5	177.1	186.8	176.8	175.2	181.1	174.7	203.9	212.4	231.7	243.2	241.7	236.7	234.5	180.4	239.8	245.3	247.6	246.9	246.6	253.1	259.1	262.3	-	-
Change	-	-1.04%	-1.64%	3.55%	18.45%	5.44%	-5.35%	-0.87%	3.36%	-3.53%	16.72%	4.13%	9.1%	4.98%	-0.64%	-2.07%	-0.9%	-23.1%	32.95%	2.28%	0.95%	-0.28%	-0.13%	2.65%	2.39%	1.22%	-100%	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	68.05	65.32	63.69	65.56	81.16	82.73	83.12	79.7	84.38	65.58	97.41	99.84	121.9	128.8	113.3	100.5	99.23	31.54	96.88	104.7	107.3	106	104	109.8	114	114.5	-	-
Change	-	-4.01%	-2.5%	2.94%	23.78%	1.94%	0.47%	-4.11%	5.88%	-22.29%	48.55%	2.49%	22.11%	5.66%	-12.04%	-11.28%	-1.28%	-68.21%	207.16%	8.07%	2.46%	-1.18%	-1.94%	5.59%	3.87%	0.46%	-100%	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	62.34	61.9	40.69	32.02	59.36	77.37	93.86	92.26	95.42	66.22	60.4	85.97	103.5	106.1	80.09	81.51	59.79	11.15	80.84	85.98	92.75	90.15	88.55	93.65	97.86	99.26	95.4	98.3
Change	-	-0.72%	-34.26%	-21.31%	85.4%	30.34%	21.3%	-1.7%	3.42%	-30.6%	-8.79%	42.32%	20.45%	2.45%	-24.5%	1.78%	-26.65%	-81.35%	624.98%	6.36%	7.88%	-2.8%	-1.78%	5.77%	4.5%	1.43%	-3.89%	3.04%
Net income ¹	48.36	49.01	31.88	25.1	47.61	59.5	71.52	68.11	71.65	49.98	46.06	64.76	79.04	79.27	60.24	61.23	47.87	12.62	60.71	64.67	67.2	68.01	66.72	70.69	73.96	75.04	72.3	74.6
Change	-	1.34%	-34.95%	-21.29%	89.7%	24.99%	20.21%	-4.78%	5.2%	-30.24%	-7.85%	40.6%	22.04%	0.3%	-24%	1.64%	-21.82%	-73.64%	381.16%	6.52%	3.9%	1.21%	-1.91%	5.96%	4.63%	1.46%	-3.65%	3.18%
Announcement Date	22/10/19	21/01/20	21/04/20	21/07/20	20/10/20	19/01/21	20/04/21	20/07/21	19/10/21	18/01/22	19/04/22	19/07/22	18/10/22	17/01/23	18/04/23	18/07/23	18/10/23	24/01/24	24/04/24	24/07/24	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: United Community Banks, Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	21/01/20	19/01/21	18/01/22	17/01/23	24/01/24	-	-	-

Estimates

Cash Flow Forecast: United Community Banks, Inc.

Fiscal Period: December	2018	2019	2020	2021	2022	2023
CAPEX ¹	17.62	20.94	18.46	26.48	42.7	72.48
Change	-	18.89%	-11.85%	43.45%	61.25%	69.74%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	27/02/19	27/02/20	25/02/21	25/02/22	24/02/23	23/02/24

¹USD in Million

Estimates

Forecast Financial Ratios: United Community Banks, Inc.

Fiscal Period: December	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	45.15%	45.13%	43.89%	50.33%	39.09%	42.29%	43.32%	-
EBT Margin (%)	-	41.58%	31.84%	49.2%	40%	26.03%	36.05%	37.15%	-
Net margin (%)	-	32.35%	24.94%	36.96%	30.24%	20.25%	26.67%	28.14%	-
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	1.51%	1.07%	1.42%	1.19%	0.94%	0.99%	1.03%	-
ROE	-	12.25%	9.58%	13.68%	10.07%	7.33%	8.2%	8.41%	-
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.68	0.72	0.78	0.86	0.92	0.93	0.9743	0.96
Change	-	-	5.88%	8.33%	10.26%	6.98%	1.09%	4.76%	-1.47%
Book Value Per Share ¹	-	20.53	21.9	23.63	24.38	26.52	27.85	29.36	29.67
Change	-	-	6.67%	7.9%	3.17%	8.78%	5.01%	5.42%	1.07%
EPS ¹	-	2.31	1.91	2.97	2.52	1.54	2.175	2.388	2.59
Change	-	-	-17.32%	55.5%	-15.15%	-38.89%	41.23%	9.77%	8.48%
Nbr of stocks (in thousands)	-	78,982	86,620	89,293	1,06,203	1,18,980	1,19,203	1,19,203	1,19,203
Announcement Date	-	21/01/20	19/01/21	18/01/22	17/01/23	24/01/24	-	-	-