DDM Analysis: UCB

Valuation Snapshot

Stable Growth	$60.18 - $155.25	$91.23
Multi-Stage	$42.14 - $46.01	$44.04
Blended Fair Value	$67.63
Current Price	$31.35
Upside	115.74%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	16.19%	51.10%	0.93	0.87	0.72	0.55	0.49	0.44	0.34	0.22	0.13	0.12
YoY Growth	-	-	6.88%	20.95%	29.84%	13.58%	11.06%	27.41%	58.85%	65.37%	6.93%	718.90%
Dividend Yield	-	-	3.30%	3.44%	2.55%	1.59%	1.43%	2.40%	1.33%	0.68%	0.47%	0.66%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	317.50
(-) Cash Dividends Paid (M)	116.72
(=) Cash Retained (M)	200.78

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	63.50	39.69	23.81
Cash Retained (M)	200.78	200.78	200.78
(-) Cash Required (M)	-63.50	-39.69	-23.81
(=) Excess Retained (M)	137.28	161.09	176.96
(/) Shares Outstanding (M)	120.96	120.96	120.96
(=) Excess Retained per Share	1.13	1.33	1.46
LTM Dividend per Share	0.96	0.96	0.96
(+) Excess Retained per Share	1.13	1.33	1.46
(=) Adjusted Dividend	2.10	2.30	2.43
WACC / Discount Rate	9.18%	9.18%	9.18%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$60.18	$91.23	$155.25
Upside / Downside	91.96%	191.00%	395.22%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	317.50	338.14	360.12	383.52	408.45	435.00	448.05
Payout Ratio	36.76%	47.41%	58.06%	68.71%	79.35%	90.00%	92.50%
Projected Dividends (M)	116.72	160.31	209.08	263.50	324.12	391.50	414.45

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.18%	9.18%	9.18%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	145.45	146.83	148.21
Year 2 PV (M)	172.11	175.39	178.70
Year 3 PV (M)	196.81	202.46	208.22
Year 4 PV (M)	219.65	228.09	236.78
Year 5 PV (M)	240.72	252.34	264.42
PV of Terminal Value (M)	4,122.62	4,321.74	4,528.49
Equity Value (M)	5,097.36	5,326.86	5,564.81
Shares Outstanding (M)	120.96	120.96	120.96
Fair Value	$42.14	$44.04	$46.01
Upside / Downside	34.42%	40.47%	46.75%

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United Community Banks, Inc. (UCB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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