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VALUATION

UCB WACC: 16.31% for United Community Banks, Inc.

Current inputs imply a 9.39% cost of equity and a 113.85% pre-tax cost of debt. Use this discount rate as a starting point for DCF validation.

[01]Current Market Data
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[02]
WACC Calculation Process
1
Market Data Loaded
2
Company Data Fetched
3
Beta Calculated (5Y)
4
Inputs Auto-Populated
5
WACC Calculated
[03]
Step 2: Enter Ticker Symbol
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Step 4: Review Auto-Populated WACC Inputs

Values are automatically populated from real data. You can adjust them manually if needed.

4.30%
1.000
4.23%
5.00%
21.00%
70.00%
Debt: 30.00%Equity: 70.00%

Please enter a valid company ticker to calculate WACC

United Community Banks, Inc. Common Stock (UCB) WACC Results
Weighted Average Cost of Capital
16.31%
Cost of Equity
9.39%
Risk-Free Rate5.22%
Beta0.98
Market Risk Premium4.23%
Cost of Debt
89.94%
Pre-Tax Cost of Debt113.85%
Tax Rate21.00%
Tax Shield23.91%
Capital Structure
Equity: 91.41%($4048.93M)
Debt: 8.59%($380.60M)
Equity Component
8.59%
91.41% × 9.39%
Debt Component
7.73%
8.59% × 89.94%

United Community Banks, Inc. (UCB) WACC in context

United Community Banks, Inc. (UCB) currently screens with an estimated WACC of 16.31%. That blends a 9.39% cost of equity, a 113.85% pre-tax cost of debt, and a 91.41% equity weight into the discount rate you would typically use in a DCF model.

screens as a relatively high discount rate, which makes valuation more sensitive to execution and capital structure risk.

What UCB WACC implies

A 16.31% discount rate screens as a relatively high discount rate, which makes valuation more sensitive to execution and capital structure risk.

How this page calculates UCB

This page combines CAPM-based cost of equity with SEC-derived debt and capital structure inputs. The current beta is 0.98 and equity accounts for 91.41% of capital.

What to do next

Validate business quality on the company page, then carry the same discount-rate assumptions into the DCF page to test fair value sensitivity.

Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.