United Community Banks Inc.  (UCBI)
Other Ticker:  
    Sector  Financial    Industry Money Center Banks
   Industry Money Center Banks
   Sector  Financial
Price: $35.7000 $0.51 1.449%
Day's High: $35.71 Week Perf: 4.36 %
Day's Low: $ 34.61 30 Day Perf: 18.96 %
Volume (M): 288 52 Wk High: $ 39.32
Volume (M$): $ 10,285 52 Wk Avg: $33.43
Open: $35.47 52 Wk Low: $27.62

 Market Capitalization (Millions $) 3,810
 Shares Outstanding (Millions) 107
 Employees 1,883
 Revenues (TTM) (Millions $) 754
 Net Income (TTM) (Millions $) 232
 Cash Flow (TTM) (Millions $) -204
 Capital Exp. (TTM) (Millions $) 29

United Community Banks Inc.

United Community Banks, Inc., a bank holding company registered under the Bank Holding Company Act of 1956, as amended (the “BHC Act”), was incorporated under the laws of Georgia in 1987 and commenced operations in 1988 by acquiring 100% of the outstanding shares of Union County Bank, Blairsville, Georgia, now known as United Community Bank, Blairsville, Georgia.

Since the early 1990’s, United has actively expanded its market coverage through organic growth complemented by selective acquisitions, primarily of banks whose managements share United’s community banking and customer service philosophies. Although those acquisitions have directly contributed to United’s growth, their contribution has primarily been to provide United access to new markets with attractive organic growth potential. Organic growth in assets includes growth through existing offices as well as growth at de novo locations and post-acquisition growth at acquired banking offices.

To emphasize its commitment to community banking, United conducts substantially all of its operations through a community-focused operating model of separate “community banks”, which, operated at 134 locations throughout the Atlanta-Sandy Springs-Roswell, Georgia, and Gainesville, Georgia metropolitan statistical areas, upstate South Carolina, north and coastal Georgia, western North Carolina, and east Tennessee. Also, United has commercial loan offices in Charlotte, North Carolina and Charleston, South Carolina. The community banks offer a full 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, and are led by local bank presidents (referred to herein as the “Community Bank Presidents”) and management with significant experience in, and ties to, their communities. Each of the Community Bank Presidents has authority, alone or with other local officers, to make most credit decisions. In recent years, United has developed a number of specialized lending areas focusing on asset-based lending, commercial real estate, middle market businesses, United States Small Business Administration (“SBA”) and United States Department of Agriculture (“USDA”) guaranteed loans and builder finance. Although the specialized lending areas have their own customers, they also work with the community banks to provide their specialized lending expertise to help the community banks better serve their customers. This partnership helps United to position itself as a community bank with large bank resources. Management believes that this operating model provides a competitive advantage.

The Bank, through its full-service retail mortgage lending division, United Community Mortgage Services (“UCMS”), is approved as a seller/servicer for the Federal National Mortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”) and provides fixed and adjustable-rate home mortgages.

The Bank makes loans primarily to persons or businesses that reside, work, own property, or operate in its primary market areas, except for specific specialized lending strategies such as SBA and franchise lending. Unsecured loans are generally made only to persons who qualify for such credit based on their credit history, net worth, income and liquidity. Secured loans are made to persons who are well established and have the credit history, net worth, collateral, and cash flow to support the loan. Exceptions to the Bank’s policies are permitted on a case-by-case basis. Major policy exceptions require an approving officer to document the reason for the exception. Loans exceeding a lending officer’s credit limit must be approved through a credit approval process involving Regional Credit Managers. Consumer loans are approved through centralized consumer credit centers.

   Company Address: 125 Highway 515 East Blairsville 30512 GA
   Company Phone Number: 781-2265   Stock Exchange / Ticker: NASDAQ UCBI
   UCBI is expected to report next financial results on November 04, 2022.

Customers Net Income grew by UCBI's Customers Net Profit Margin grew to

29.32 %

13.98 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


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