United Community Banks, Inc. — Earnings Quality Grade A
UCB · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 29 days, change -4 days YoY
AR growth -2.4% vs revenue growth 11.9%
Revenue 11.9%, CFFO 9.8%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -41.4% vs revenue 11.9%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.17. Profits backed by cash
FCF $0.4B, FCF/NI = 1.09
Accruals ratio = -0.2%. Low accruals
Cash $0.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $1.0B = 27% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
United Community Banks, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25