United Community Banks, Inc. cash flow to debt ratio of 211.93% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

United Community Banks, Inc.'s free cash flow has increased 34.70% from $302.69M last year to $407.72M, signaling increasing performance

United Community Banks, Inc.'s debt to equity ratio is 0.10, which means that the company's assets are healthy financed, signaling financial stability.

United Community Banks, Inc.'s debt has decreased relative to shareholder equity from 0.13 last year to 0.10 today, signaling strengthened financials

United Community Banks, Inc. has a net cash position, so leverage is healthy.

United Community Banks, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

United Community Banks, Inc.'s profit margin has increased (42.55%) in the last year from 17.05% to 24.30%, signaling increasing performance

United Community Banks, Inc.'s short-term assets of $4.04B exceed its short-term liabilities of $85.00M

United Community Banks, Inc.'s return on assets of 1.30% is lower than the 5.00% threshold, indicating inefficient asset utilization

United Community Banks, Inc.'s return on equity of 10.33%, is lower than 15.00%, indicating bad performance

United Community Banks, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

United Community Banks, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

United Community Banks, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

United Community Banks, Inc. has a free cash flow yield of 9.62%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

United Community Banks, Inc.'s yearly earnings has increased 30.01% since last year from $252.40M to $328.15M, signaling increasing performance

United Community Banks, Inc.'s yearly revenue has decreased 28.19% since last year from $1.48B to $1.06B, signaling decreasing performance

ROIC 6.61% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

United Community Banks, Inc.'s 3-year revenue CAGR of 18.28% is positive, indicating growing revenue over the past 3 years

United Community Banks, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

United Community Banks, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

United Community Banks, Inc. is undervalued relative to its fair value price of 60.45 based on Discounted Cash Flow model

United Community Banks, Inc. has an earnings yield of 8.87%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

United Community Banks, Inc. is overvalued relative to its fair value price of 26.68 based on EBITDA multiple model

United Community Banks, Inc. has an EV/EBITDA ratio of 1.08x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

United Community Banks, Inc. is undervalued relative to its fair value price of 66.21 based on Earnings Fair Value model

United Community Banks, Inc. has a PEG-ratio over 1 which is considered overvalued

United Community Banks, Inc. has a price-to-book ratio of 1.14x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

United Community Banks, Inc. has a price-to-sales ratio of 2.74x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue