United Community Banks Income Statement - Quarterly (NASDAQ:UCBI)

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$28.69 $0.27 (0.95%) UCBI stock closing price Jan 13, 2017 (Closing)

UCBI stock valuation based on fundamental analysis involves checking and analyzing financial statements and not just the United Community Banks stock price. In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, dividends etc. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the UCBI stock is bound to reflect the impact of the QoQ growth of $7.22M. The operating expenses (also check: United Community Banks assets and United Community Banks free cash flow) as shown in the United Community Banks profit and loss statement 2016-Q3 total to $63.06M. This line item has increased from $58.99M compared with last quarter. View details of revenue and profits for United Community Banks for latest & last 40 quarters.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
United Community Banks Net Sales or Revenues
111.8M104.58M99.33M100.65M89.13M83.4M78.22M78.78M77.75M75.93M
Cost Of Goods Sold (COGS)2.5M2.42M2.26M2.39M2.17M2.07M2.19M2.96M2.97M3.2M
United Community Banks Gross Profit
109.29M102.15M97.06M98.27M86.95M80.99M76.02M75.84M74.36M72.34M
Research & Development Expense----------
Selling General & Admin Expense59.45M55.59M54.02M54.27M49.22M46.14M44.86M43.43M43.05M42.37M
Income Before Depreciation Depletion Amortization49.83M46.55M43.04M44.01M37.72M34.85M31.15M32.41M31.31M29.97M
Depreciation Depletion Amortization1.11M0.98M1.01M2.44M---0.29M0.31M0.36M
Non Operating Income3.15M1.17M2.65M9.08M5.74M3.17M----
Interest Expense3.94M3.74M3.5M3.23M3.22M2.74M3.09M3.08M3.39M3.62M
United Community Banks Pretax Income
41.62M40.65M35.87M29.27M28.75M28.93M28.06M29.05M27.61M25.98M
Provision for Income Taxes15.75M15.38M13.57M11.06M10.86M11.12M10.39M10.81M9.99M9.62M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations25.87M25.27M22.3M18.21M17.89M17.8M17.67M18.25M17.62M16.36M
Extraordinary Items & Discontinued Operations----------
United Community Banks Net Income (Profit/Loss)
25.87M25.27M22.3M18.21M17.89M17.8M17.67M18.25M17.62M16.36M
Average Shares used to compute Diluted EPS71.56M72.21M72.17M72.14M66.3M62.55M60.91M60.83M60.78M60.71M
Average Shares used to compute Basic EPS71.56M72.2M72.16M72.14M66.29M62.55M60.91M60.83M60.78M60.71M
Income Before Nonrecurring Items27.83M26M23.94M23.8M21.7M19.97M17.67M18.25M17.62M16.36M
Income from Nonrecurring Items-1.96M-0.73M-1.65M-5.59M-3.81M-2.18M----
United Community Banks Earnings Per Share Basic Net
0.360.350.310.250.270.280.290.300.290.27
United Community Banks Earnings Per Share Diluted Net
0.360.350.310.250.270.280.290.300.290.27
EPS Diluted Before Nonrecurring Items0.390.360.330.330.330.320.290.300.290.27
Preferred Dividends Acc Pd----------
Dividends Common5.67---------
Dividend Per Share Common0.080.070.070.060.060.050.050.050.030.03
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing United Community Banks stock analysis are:
  • Revenue: This is the inflow that is generated from the sale of goods or services and is $111.8M for this quarter of 2016-Q3. Our United Community Banks revenue chart gives a clear visual representation of how the topline growth has been. Investors often invest in only those companies where the revenue is growing at a steady rate.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $111.8M - other expenses = $25.87M for UCBI stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the United Community Banks historical stock prices to check how the price has moved with time. .

United Community Banks Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
22.5910
PS ratio (
price sales ratio
)
4.9310
Operating margin
43.6
Net profit margin
23.1
Dividend yield
0.98%