Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

United Community Banks, Inc. (UCB)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$60.18 - $155.27$91.24
Multi-Stage$42.14 - $46.01$44.04
Blended Fair Value$67.64
Current Price$31.35
Upside115.75%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS16.19%51.10%0.930.870.720.550.490.440.340.220.130.12
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
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)63.5039.6923.81
Cash Retained (M)200.78200.78200.78
(-) Cash Required (M)-63.50-39.69-23.81
(=) Excess Retained (M)137.28161.09176.96
(/) Shares Outstanding (M)120.96120.96120.96
(=) Excess Retained per Share1.131.331.46
LTM Dividend per Share0.960.960.96
(+) Excess Retained per Share1.131.331.46
(=) Adjusted Dividend2.102.302.43
WACC / Discount Rate9.18%9.18%9.18%
Growth Rate5.50%6.50%7.50%
Fair Value$60.18$91.24$155.27
Upside / Downside91.97%191.02%395.28%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)317.50338.14360.12383.52408.45435.00448.05
Payout Ratio36.76%47.41%58.06%68.71%79.35%90.00%92.50%
Projected Dividends (M)116.72160.31209.08263.50324.12391.50414.45

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.18%9.18%9.18%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)145.45146.83148.21
Year 2 PV (M)172.11175.39178.70
Year 3 PV (M)196.81202.46208.22
Year 4 PV (M)219.65228.09236.78
Year 5 PV (M)240.72252.35264.42
PV of Terminal Value (M)4,122.784,321.914,528.66
Equity Value (M)5,097.525,327.045,564.99
Shares Outstanding (M)120.96120.96120.96
Fair Value$42.14$44.04$46.01
Upside / Downside34.43%40.48%46.75%

High-Yield Dividend Screener

« Prev Page 76 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
DR.TOMedical Facilities Corporation1.80%$0.287.21%
PINE3.SABanco Pine S.A.1.80%$0.2316.47%
SVED-B.STSvedbergs i Dalstorp AB (publ)1.80%$1.2532.77%
002296.SZHeNan Splendor Science & Technology Co., Ltd.1.79%$0.2025.74%
002349.SZJinghua Pharmaceutical Group Co., Ltd.1.79%$0.1347.07%
002841.SZGuangzhou Shiyuan Electronic Technology Company Limited1.79%$0.7153.65%
007690.KSKukdo Chemical Co., Ltd.1.79%$569.7119.70%
010690.KSHWASHIN CO.,Ltd1.79%$145.8913.31%
049770.KSDongwon F&B Co., Ltd.1.79%$800.0312.97%
1836.HKStella International Holdings Limited1.79%$0.2778.00%
5ML.SIOld Chang Kee Ltd.1.79%$0.0221.40%
603456.SSZhejiang Jiuzhou Pharmaceutical Co., Ltd1.79%$0.3239.16%
6245.THIRANO TECSEED Co.,Ltd.1.79%$29.9248.19%
9999.HKNetEase, Inc.1.79%$4.1136.47%
EFK.WAKorporacja Gospodarcza Efekt S.A.1.79%$0.103.27%
IFSH.JKPT Ifishdeco Tbk1.79%$14.6252.99%
WGSH.JKPT Wira Global Solusi Tbk1.79%$5.0059.74%
001060.KSJW Pharmaceutical Corporation1.78%$458.4617.63%
001332.SZWuxi Chemical Equipment Co., Ltd.1.78%$1.0044.53%
002312.SZSichuan Development Lomon Co., Ltd.1.78%$0.1967.49%
002900.KSTYM Corporation1.78%$112.2711.09%
003018.SZJinFu Technology Co., Ltd.1.78%$0.3168.11%
003023.SZChengdu Rainbow Appliance (Group) Shares Co., Ltd.1.78%$0.4051.85%
004490.KSSebang Global Battery Co., Ltd.1.78%$1,112.7311.15%
0KFH.LRevenio Group Oyj1.78%$0.4058.60%
1357.HKMeitu, Inc.1.78%$0.1344.58%
300610.SZYangzhou Chenhua New Material Co., Ltd.1.78%$0.2163.13%
3543.TKOMEDA Holdings Co., Ltd.1.78%$54.0341.58%
5450.TWONam Liong Global Corporation1.78%$0.2545.91%
600458.SSZhuzhou Times New Material Technology Co., Ltd.1.78%$0.2437.98%
603037.SSShanghai Carthane Co.,Ltd.1.78%$0.2678.70%
603876.SSJiangsu Dingsheng New Material Joint-Stock Co.,Ltd1.78%$0.2764.69%
603916.SSSobute New Materials Co., Ltd1.78%$0.1762.46%
6167.TFuji Die Co.,Ltd.1.78%$15.9369.67%
6981.TMurata Manufacturing Co., Ltd.1.78%$57.8845.13%
FLEXD.LSFlexdeal Simfe S.A.1.78%$0.0938.33%
MIKA.JKPT Mitra Keluarga Karyasehat Tbk1.78%$43.0046.34%
SARKY.ISSarkuysan Elektrolitik Bakir Sanayi ve Ticaret A.S.1.78%$0.3353.78%
002249.SZZhongshan Broad-Ocean Motor Co., Ltd.1.77%$0.1944.29%
012330.KSHyundai Mobis Co.,Ltd1.77%$6,540.9013.98%
111770.KSYoungone Corporation1.77%$1,406.1316.14%
2754.TTokatsu Holdings Co.,Ltd.1.77%$14.3118.28%
600236.SSGuangxi Guiguan Electric PowerCo.,Ltd.1.77%$0.1442.95%
603605.SSProya Cosmetics Co.,Ltd.1.77%$1.2130.20%
603759.SSHaitian Water Group Co.,Ltd1.77%$0.1932.54%
688076.SSSinopep-Allsino Bio Pharmaceutical Co.,Ltd.1.77%$0.6742.24%
8015.TToyota Tsusho Corporation1.77%$93.3828.94%
9722.TFujita Kanko Inc.1.77%$46.655.91%
9962.TMISUMI Group Inc.1.77%$43.3636.74%
ADORFO.BOAdor Fontech Limited1.77%$2.5238.55%