Company Information

  

Address: P O BOX 398, 59 HIGHWAY 515  
City: BLAIRSVILLE 
State: GA 
Zip Code: 30512 
Telephone: 581-807-3041 

Description of Business

Primary SIC Code: 6022
(As filed with the SEC)  

United Community Banks, Inc. ("United"), 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 (the "Bank"). 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.  ... More ...  

Per Share Overview

Date 12-mos Rolling EPS Dividend P/E Ratio
06/20171.460.09019.04
03/20171.420.09019.50
12/20161.400.08021.16
09/20161.270.08016.55
06/20161.180.07015.50
03/20161.110.07016.64
12/20151.090.06017.88
09/20151.140.06017.93

Key Financial Ratios and Statistics

FYE: 12/31

Profitability 2016 Leverage 2016
Net Inc/Comm Equity0.07Total Liab/Total Assets0.90
Net Inc/Total Assets0.01Total Liab/Inv Cap0.96
Net Inc/Inv Cap0.01Total Liab/Comm Equity7.15
Pretax Inc/Net Sales0.38Interest Coverage Ratio11.81
Net Inc/Net Sales0.23Curr Debt/Equity0.66
Cash Flow/Net Sales0.32LTD/Equity0.03
SG&A/NetSales0.53Total Debt/Equity0.69
Asset Utilization   Liquidity  
Net Receivables Turnover15.94Quick RatioNA
Inventory TurnoverNACurrent RatioNA
Inventory Day SalesNANet Rec/Curr AssetsNA
Net Sales/Work CapNAInv/Curr AssetsNA
Net Sales/PP&E2.26  

Income Statement (Millions)

  6/30/2017 3/31/2017 12/31/2016 9/30/2016
Total Revenues(Net Sales) 116.85 113.03 113.01 111.80
Cost of Goods Sold 3.60 3.06 2.96 2.51
Selling & Admin Exps 60.50 59.80 59.11 59.75
Operating Income NA NA NA NA
Interest Exp 4.42 4.35 3.89 3.94
Pretax Income 44.80 42.00 44.84 41.63
Other Income NA NA NA NA
Net Income Bef Extraordinary ... NA NA NA NA
Net Income 28.27 23.52 27.22 25.87

Balance Sheet (Millions)

Assets 6/30/2017 3/31/2017 12/31/2016 9/30/2016
Cash & Short Term Investments 3,019.78 2,997.56 2,979.63 2,786.19
Receivables - Total 26.94 27.02 28.02 26.49
Inventories - Total NA NA NA NA
Total Current Assets NA NA NA NA
Net Property, Plant & Equipment 189.61 189.44 189.94 189.30
Total Assets 10,837.41 10,731.80 10,708.66 10,297.62
Liabilities        
Accounts Payable 100.35 107.37 78.43 84.76
Debt in Current Liabilities 669.07 569.14 714.21 484.46
Total Current Liabilities NA NA NA NA
Long-Term Debt 24.26 26.43 27.65 32.55
Total Liabilities 9,704.77 9,630.26 9,632.92 9,218.32
Stockholder's Equity        
Minority Interest NA NA NA NA
Preferred Stock NA 0.00 0.00 0.00
Common Stock 70.98 70.97 70.90 70.86
Retained Earnings -212.61 -234.38 -251.86 -273.31
Treasury Stock NA NA NA NA
Total Stockholders' Equity 1,132.64 1,101.54 1,075.74 1,079.29
Total Liabilities and Stockholders' Equity 10,837.41 10,731.80 10,708.66 10,297.62

Cash Flow Summary (Millions)

Categories 6/30/2017 3/31/2017 12/31/2016 9/30/2016
Net Cash Provided by Operating Activities 35.02 62.57 53.87 53.99
Net Cash Provided by Investing Activities -110.24 -12.38 -483.27 63.01
Net Cash Provided by Financing Activities 77.43 -36.56 420.58 -98.48

Annual Summary Data (Millions)

Year Sales Net Income EPS
12/2012322.0933.860.38
12/2013302.44273.144.44
12/2014303.9967.621.11
12/2015351.0671.581.09
12/2016428.72100.661.40
Growth Rates7.4131.3138.54

Stock Ownership

Type Date(Q,M) No. Owners Shares Held (000s) % Own
Institutional09/30/1720263,76586.87




Report Date : 10/16/2017

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