A Closer Look at 4 Analyst Recommendations For United Community Banks

Analysts' ratings for United Community Banks UCBI over the last quarter vary from bullish to bearish, as provided by 4 analysts.

The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.

Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $31.0, along with a high estimate of $34.00 and a low estimate of $28.00. This upward trend is apparent, with the current average reflecting a 9.23% increase from the previous average price target of $28.38.

Interpreting Analyst Ratings: A Closer Look

An in-depth analysis of recent analyst actions unveils how financial experts perceive United Community Banks. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.

Key Insights:

• Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to United Community Banks. This information offers a snapshot of how analysts perceive the current state of the company.
• Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of United Community Banks compared to the broader market.
• Price Targets: Analysts provide insights into price targets, offering estimates for the future value of United Community Banks's stock. This comparison reveals trends in analysts' expectations over time.

Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of United Community Banks's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.

Stay up to date on United Community Banks analyst ratings.

All You Need to Know About United Community Banks

United Community Banks Inc is a bank holding company that operates through its wholly-owned subsidiary, Union Community Bank. The bank has scores of offices throughout portions of Georgia, Tennessee, and the Carolinas. It has traditionally grown through the organic growth of existing offices and de novo locations, complemented by selective acquisitions. United conducts substantially all of its operations through a community-focused operating model of separate community banks. The community banks offer a full range of retail and corporate banking services, including checking, savings, and time deposit accounts, as well as secured and unsecured loans, wire transfers, brokerage services, and other financial services. The bank's loan portfolio is well-diversified but predominantly commercial.

A Deep Dive into United Community Banks's Financials

Market Capitalization Analysis: Below industry benchmarks, the company's market capitalization reflects a smaller scale relative to peers. This could be attributed to factors such as growth expectations or operational capacity.

Revenue Growth: Over the 3 months period, United Community Banks showcased positive performance, achieving a revenue growth rate of 1.36% as of 30 September, 2023. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.

Net Margin: United Community Banks's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 20.4%, the company may face hurdles in effective cost management.

Return on Equity (ROE): United Community Banks's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 1.53%, the company may face hurdles in achieving optimal financial returns.

Return on Assets (ROA): United Community Banks's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.18%, the company may face hurdles in generating optimal returns from its assets.

Debt Management: United Community Banks's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 0.12.

Analyst Ratings: What Are They?

Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter.

In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.

This article was generated by Benzinga's automated content engine and reviewed by an editor.