UCBUNITED COMMUNITY BANKS INC
State Commercial Banks
- Revenue
- $1.1B
- 12% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $4.4B
- Employees
- 3,070
- $346K revenue each
- Net debt / EBITDA
- —
- −$294M net debt
- AI in 10-K
- 1.3
- mentions per 10K words
Takeover score 1 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo117% of net incomeCash flow under 80% of net income
- Dilutive SBCNo1% of revenueOver 10% of revenue
- Payouts exceed cash flowNo42% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo3% of assetsOver 40% of assets
- Shareholder dissentNo92% lowest supportAny vote under 80% support
Buyer economics 1 of 4
- Low revenue per employeeNo$346K · 75th pctBottom quartile of its SIC industry
- Quiet on AINo1.3 per 10K words · 41st pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$4.4B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$2M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $744M | $826M | $893M | $952M | $1.1B | 12% |
| Net income | $270M | $277M | $188M | $252M | $328M | 30% |
| Operating cash flow | $359M | $607M | $294M | $350M | $384M | 9.8% |
| Capex | $26M | $43M | $72M | $47M | $28M | 41% |
| Stock-based comp | $7M | $9M | $9M | $11M | $11M | 5.6% |
| Buybacks | $15M | $0 | $0 | $0 | $44M | |
| Dividends | $67M | $87M | $105M | $112M | $119M | 5.5% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $74K · 1
- Open-market sells, 12 mo
- $2M · 9
- Net
- −$2M
Pay vs performance
No pay-versus-performance disclosure yet.