A Business at a Glance
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UNITED COMMUNITY BANKS INC
UCB
$4.3B
Mkt Cap
$35.25
+1.03%
UNITED COMMUNITY BANKS INC (UCB) has a current P/E ratio of 13.5, compared to its historical median P/E of 12.6. The stock is currently considered Fair based on its historical valuation range.
UNITED COMMUNITY BANKS INC (UCB) has a 5-year average return on invested capital (ROIC) of 8.3%. This is below average and may indicate limited pricing power.
UNITED COMMUNITY BANKS INC (UCB) has a market capitalization of $4.2B. It is classified as a mid-cap stock.
Yes, UNITED COMMUNITY BANKS INC (UCB) pays a dividend with a trailing twelve-month yield of 2.85%. The company also returns capital through share buybacks, with a buyback yield of 1.93%.
Based on historical P/E analysis, UNITED COMMUNITY BANKS INC (UCB) appears fair. The current P/E of 13.5 is 6% above its historical median of 12.6. The estimated fair value CAGR (P/E method) is -0.7%.
UNITED COMMUNITY BANKS INC (UCB) operates in the State Commercial Banks industry, within the Financials sector.
UNITED COMMUNITY BANKS INC (UCB) reported annual revenue of $1.5 billion in its most recent fiscal year, based on SEC EDGAR filings.
United Community Banks, Inc., headquartered in Greenville, South Carolina, is a bank holding company under the BHC Act and a financial holding company under the GLB Act. We provide diversified financial services primarily through our principal subsidiary, United Community Bank, a South Carolina state-chartered bank. We have grown through a combination of strategic acquisitions and organic growth throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama as well as nationally through our SBA/USDA lending and equipment finance businesses. As of December 31, 2025, we had consolidated total assets of $28.0 billion. As a financial holding company, we coordinate the financial resources of the consolidated enterprise and maintain systems of financial, operational, and administrative control intended to coordinate selected policies and activities, including as described in Item 9A of Part II.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.1B | 1.5B | 1.5B | 1.3B | 951M | 737M |
| Net Income | 332M | 318M | 245M | 181M | 269M | 261M |
| EPS | $2.75 | $2.62 | $2.04 | $1.54 | $2.52 | $2.97 |
| Free Cash Flow | 324M | 356M | 303M | 221M | 565M | 333M |
| ROIC | 8.8% | 8.5% | 6.7% | 5.5% | 9.8% | 10.9% |
| Gross Margin | - | 66.7% | 60.0% | 61.2% | 86.9% | 90.9% |
| Debt/Equity | 0.03 | 0.06 | 0.13 | 0.10 | 0.18 | 0.11 |
| Dividends/Share | $1.00 | $0.98 | $0.94 | $0.92 | $0.86 | $0.78 |
| Operating Income | 49M | 44M | 43M | 24M | 27M | 26M |
| Operating Margin | 4.5% | 2.8% | 2.8% | 1.9% | 2.8% | 3.5% |
| ROE | 9.1% | 9.0% | 7.3% | 6.1% | 10.9% | 12.4% |
| Shares Outstanding | 120M | 121M | 120M | 117M | 107M | 88M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 304M | 351M | 429M | 478M | 593M | 657M | 714M | 737M | 951M | 1.3B | 1.5B | 1.5B | 1.1B |
| Gross Margin | 88.8% | 92.9% | 93.9% | 92.1% | 88.1% | 85.3% | 80.9% | 90.9% | 86.9% | 61.2% | 60.0% | 66.7% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 101M | 117M | 139M | 153M | 181M | 196M | 224M | 241M | 276M | 318M | 340M | 354M | 371M |
| EBIT | 107M | 115M | 163M | 16M | 24M | 25M | 24M | 26M | 27M | 24M | 43M | 44M | 49M |
| Op. Margin | 35.2% | 32.8% | 38.0% | 3.4% | 4.1% | 3.8% | 3.4% | 3.5% | 2.8% | 1.9% | 2.8% | 2.8% | 4.5% |
| Net Income | 67M | 72M | 101M | 67M | 165M | 184M | 159M | 261M | 269M | 181M | 245M | 318M | 332M |
| Net Margin | 22.1% | 20.4% | 23.5% | 14.1% | 27.8% | 28.0% | 22.3% | 35.5% | 28.3% | 13.8% | 16.3% | 20.7% | 30.4% |
| Non-Recurring | 0 | 6.0M | 982K | 42K | -656K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 7.5% | 7.6% | 9.6% | 5.4% | 10.5% | 10.3% | 7.6% | 10.9% | 9.8% | 5.5% | 6.7% | 8.5% | 8.8% |
| ROE | 8.8% | 8.1% | 9.6% | 5.7% | 11.9% | 11.9% | 8.7% | 12.4% | 10.9% | 6.1% | 7.3% | 9.0% | 9.1% |
| ROA | 0.9% | 0.8% | 1.0% | 0.6% | 1.3% | 1.4% | 1.0% | 1.3% | 1.2% | 0.7% | 0.9% | 1.1% | 1.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 102M | 113M | 140M | 208M | 270M | 154M | 159M | 359M | 607M | 294M | 350M | 384M | 355M |
| Free Cash Flow | 97M | 103M | 123M | 186M | 252M | 133M | 140M | 333M | 565M | 221M | 303M | 356M | 324M |
| Owner Earnings | 89M | 100M | 124M | 190M | 250M | 129M | 135M | 337M | 582M | 266M | 314M | 346M | 147M |
| CapEx | 5.1M | 11M | 17M | 22M | 18M | 21M | 18M | 26M | 43M | 72M | 47M | 28M | 30M |
| Maint. CapEx | 8.7M | 9.4M | 12M | 12M | 14M | 15M | 16M | 16M | 17M | 19M | 25M | 26M | 195M |
| Growth CapEx | 0 | 1.2M | 5.9M | 10M | 3.4M | 5.6M | 2.9M | 11M | 26M | 53M | 22M | 1.4M | 0 |
| D&A | 8.7M | 9.4M | 12M | 12M | 14M | 15M | 16M | 16M | 17M | 19M | 25M | 26M | 195M |
| CapEx/OCF | 5.0% | 9.3% | 12.4% | 10.7% | 6.5% | 13.6% | 11.6% | 7.4% | 7.0% | 24.7% | 13.5% | 7.2% | 8.5% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 1.8M | 15M | 16M | 26M | 42M | 53M | 59M | 67M | 87M | 105M | 112M | 119M | 120M |
| Dividend Yield | 0.2% | 1.5% | 1.4% | 1.6% | 2.2% | 2.9% | 3.9% | 2.7% | 2.7% | 3.6% | 3.5% | 3.3% | 2.8% |
| Share Buybacks | 0 | 0 | 14M | 0 | 0 | 13M | 21M | 15M | 0 | 0 | 0 | 44M | 81M |
| Buyback Yield | N/A | N/A | 0.8% | N/A | N/A | 0.6% | 1.0% | 0.5% | N/A | N/A | N/A | 1.1% | 1.9% |
| Stock-Based Comp | 4.3M | 4.4M | 4.5M | 5.8M | 6.1M | 9.4M | 7.9M | 6.6M | 8.7M | 8.9M | 11M | 11M | 12M |
| Debt Repayment | 52M | 49M | 0 | 75M | 72M | 0 | 0 | 0 | 159M | 348M | 195M | 110M | 110M |
| Balance Sheet | |||||||||||||
| Net Debt | -87M | -226M | -217M | -2.8B | -2.7B | -2.6B | -4.5B | -2.1B | -163M | -679M | -71M | -190M | -373M |
| Cash & Equiv. | 193M | 240M | 217M | 314M | 327M | 515M | 1.6B | 2.3B | 647M | 1.0B | 520M | 396M | 493M |
| Long-Term Debt | 130M | -1.8M | -5.0M | 121M | 267M | 213M | 327M | 247M | 325M | 325M | 254M | 120M | 121M |
| Debt/Equity | 0.18 | 0.01 | 0.00 | 0.13 | 0.18 | 0.13 | 0.16 | 0.11 | 0.18 | 0.10 | 0.13 | 0.06 | 0.03 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 740M | 1.0B | 1.1B | 1.3B | 1.5B | 1.6B | 2.0B | 2.2B | 2.7B | 3.3B | 3.4B | 3.6B | 3.7B |
| Total Assets | 7.6B | 9.6B | 10.7B | 11.9B | 12.6B | 12.9B | 17.8B | 20.9B | 24.0B | 27.3B | 27.7B | 28.0B | 28.2B |
| Total Liabilities | 6.8B | 8.6B | 9.6B | 10.6B | 11.1B | 11.3B | 15.8B | 18.7B | 21.3B | 24.0B | 24.3B | 24.4B | 24.5B |
| Intangibles | 2.1M | 17M | 14M | 24M | 17M | 15M | 14M | 20M | 28M | 70M | 50M | 43M | 0 |
| Retained Earnings | -388M | -331M | -252M | -210M | -90M | 40M | 137M | 331M | 509M | 581M | 714M | 914M | 968M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.11 | 1.09 | 1.40 | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 | 2.04 | 2.62 | 2.75 |
| Owner EPS | 1.47 | 1.52 | 1.72 | 2.60 | 3.13 | 1.62 | 1.62 | 3.83 | 5.45 | 2.27 | 2.62 | 2.85 | 1.23 |
| Book Value | 12.22 | 15.52 | 14.97 | 17.83 | 18.29 | 20.50 | 24.07 | 25.26 | 25.29 | 27.77 | 28.62 | 29.96 | 30.54 |
| Cash Flow/Share | 1.68 | 1.73 | 1.95 | 2.84 | 3.39 | 1.93 | 1.90 | 4.08 | 5.69 | 2.50 | 2.92 | 3.16 | 4.41 |
| Dividends/Share | 0.03 | 0.22 | 0.30 | 0.38 | 0.58 | 0.68 | 0.72 | 0.78 | 0.86 | 0.92 | 0.94 | 0.98 | 1.00 |
| Shares Out. | 60.5M | 65.6M | 71.9M | 73.1M | 79.7M | 79.8M | 83.4M | 88.0M | 106.8M | 117.4M | 119.9M | 121.4M | 119.7M |
| Valuation | |||||||||||||
| P/E Ratio | 13.0 | 14.0 | 16.6 | 24.5 | 8.4 | 11.1 | 13.0 | 10.6 | 12.1 | 18.2 | 15.4 | 12.3 | 12.8 |
| P/FCF | 9.0 | 9.7 | 13.6 | 8.9 | 5.5 | 15.4 | 14.7 | 8.3 | 5.8 | 14.9 | 12.4 | 11.0 | 13.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | 92.7 | 110.7 | 128.1 | 132.1 | 84.6 | 85.1 | 78.1 |
| Price/Book | 1.2 | 1.0 | 1.6 | 1.3 | 0.9 | 1.3 | 1.0 | 1.2 | 1.2 | 1.0 | 1.1 | 1.1 | 1.2 |
| Price/Sales | 2.8 | 3.0 | 2.8 | 3.6 | 3.6 | 3.1 | 2.3 | 3.5 | 3.7 | 3.3 | 3.4 | 3.4 | 3.9 |
| FCF Yield | 11.1% | 10.3% | 7.3% | 11.3% | 18.3% | 6.5% | 6.8% | 12.0% | 17.4% | 6.7% | 8.1% | 9.1% | 7.7% |
| Market Cap | 872M | 998M | 1.7B | 1.6B | 1.4B | 2.0B | 2.1B | 2.8B | 3.2B | 3.3B | 3.8B | 3.9B | 4.2B |
| Avg. Price | 13.05 | 15.04 | 15.86 | 21.74 | 23.75 | 22.65 | 18.22 | 28.45 | 30.56 | 25.06 | 26.69 | 29.84 | 35.25 |
| Year-End Price | 14.41 | 15.21 | 23.21 | 22.52 | 17.32 | 25.65 | 24.75 | 31.51 | 30.42 | 28.01 | 31.32 | 32.27 | 35.25 |
UNITED COMMUNITY BANKS INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
UNITED COMMUNITY BANKS INC trades at 13.5x trailing earnings, compared to its 15-year median P/E of 12.6x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 11.8x vs a median of 11.7x. The company's 5-year average ROIC is 8.3% with a gross margin of 73.1%. Total shareholder yield (dividends + buybacks) is 4.8%. At current prices, the estimated annualized return to fair value is +3.1%.
UNITED COMMUNITY BANKS INC (UCB) has a net profit margin of 20.7%. This is a strong margin indicating high profitability.
UNITED COMMUNITY BANKS INC (UCB) generated $356 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
UNITED COMMUNITY BANKS INC (UCB) has a debt-to-equity ratio of 0.06. This indicates a conservatively financed balance sheet.
UNITED COMMUNITY BANKS INC (UCB) reported earnings per share (EPS) of $2.62 in its most recent fiscal year.
UNITED COMMUNITY BANKS INC (UCB) has a return on equity (ROE) of 9.0%. This indicates moderate shareholder returns.
UNITED COMMUNITY BANKS INC (UCB) has a 5-year average gross margin of 73.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for UNITED COMMUNITY BANKS INC (UCB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
UNITED COMMUNITY BANKS INC (UCB) has a book value per share of $29.96, based on its most recent annual SEC filing.