Profitability
Weight: 25%
C-
50
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend -5.86 pp/yr
UCB
United Community Banks, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C-
45
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 9.8%
- 5yr Share-Count CAGR 8.4%
Growth Quality
Weight: 10%
B
70
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 12.9%
- 5yr EPS CAGR -3.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
96
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.56x
Balance Sheet
Weight: 30%
B-
66
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 13.0%
- Interest Coverage (EBIT/Int) 0.89x
Stability
Weight: 10%
B
72
- EPS Volatility (σ/μ) 0.33
- Piotroski F-Score 7
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 new buys; 1 trimmed.
- Holders
- 3 +2
- Avg Δ position
- -88.7%
- New buys
- 2
- Full exits
- 0