United Community Banks, Inc. (UCB)

Profile

Full Name

United Community Banks, Inc.

Ticker

NYSE: UCB

Exchange

NYSE

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

January 4, 2000

Indexes

Not included

Website

https://www.ucbi.com

Employees

2979

Key Details

Price

$31.25(-1.42%)

Market cap

$3.80B(Mid cap)

Last Dividend

$0.25

TTM Dividend yield

3.10%

Annual revenue

$1.49B(+13.40% YoY)

Annual EPS

$2.04(+32.47% YoY)

PE ratio

14.20

Next earnings date

Oct 22, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $31.25
    UCB price is $31.25

    30-Day Relative Volume

    1.11
    UCB 30-day relative volume is 1.11

    Price Performance

    Price Most recent change

    -1.42%
    UCB price was down -1.42% on Sep 16, 2025

    Price YTD change

    -3.28%
    UCB price is down -3.28% since January 1st

    Price 1-year change

    +6.73%
    UCB price is up +6.73% year-on-year

    Price 3-year change

    -7.16%
    UCB price is down -7.16% over the past 3 years

    Price Range

    Price All-time high

    $169.62
    UCB price is currently -81.58% below its historical high of $169.62

    Price 3-year low

    $20.37
    UCB price is currently +53.41% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $3.80B
    UCB market capitalization is $3.80 billion

    Market cap 3-year change

    +6.33%
    UCB market capitalization is up +6.33% over the past 3 years

    Market cap All-time high

    $4.16B
    UCB market capitalization is currently -8.72% below its historical high of $4.16 billion

    Market cap sector rank

    76.86%
    UCB market capitalization is higher than 76.86% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +1.91%
    UCB shares outstanding is up +1.91% year-on-year

    Shares Outstanding 3-Year Change

    +14.53%
    UCB shares outstanding is up +14.53% over the past 3 years

    Technical Indicators

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    Beta

    1.17
    UCB beta is 1.17

    200-day SMA

    $30.49
    UCB price is currently +2.49% above its 200-day simple moving average

    50-day SMA

    $31.63
    UCB price is currently -1.20% below its 50-day simple moving average

    RSI

    39.92
    UCB 14-day relative strength index is 39.92

    Volume

    1.11
    UCB 30-day relative volume is 1.11

    ATR

    $0.64
    UCB average true range is $0.64

    10-day Historical Volatility

    17.46%
    UCB 10-day historical volatility is 17.46%

    Dividend

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    Events

    Last Paid Dividend

    $0.25
    UCB last dividend was $0.25 per share, with an ex-dividend date of September 15, 2025

    Next Dividend

    -
    UCB next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $0.94
    UCB annual dividend per share is $0.94

    Dividend per share Sector Rank

    48.62%
    UCB annual dividend per share is higher than 48.62% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +2.17%
    UCB annual dividend per share is up +2.17% year-on-year

    Dividend per share 3-Year Change

    +23.68%
    UCB annual dividend per share is up +23.68% over the past 3 years

    Dividend yield

    Dividend yield

    3.01%
    UCB annual dividend yield is 3.01%

    Dividend yield Sector Rank

    33.97%
    UCB annual dividend yield is higher than 33.97% of companies in Financial Services sector

    Other

    Payout ratio

    -47.27%
    UCB annual payout ratio is -47.27%

    Dividends paid

    -$118.61M
    UCB annual dividends paid is -$118.61 million

    Free cash flow

    $327.22M
    UCB annual free cash flow is $327.22 million

    Income Statement

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    Revenue

    Revenue

    $1.49B
    UCB annual revenue is $1.49 billion

    Revenue Analysts estimate

    $1.05B
    UCB annual revenue is currently +41.09% higher than the consensus analysts' forecast

    Revenue 1-year change

    +13.4%
    UCB annual revenue is up +13.4% year-on-year

    Revenue Sector rank

    82.38%
    UCB annual revenue is higher than 82.38% of companies in Financial Services sector

    EPS

    EPS

    $2.04
    UCB annual earnings per share is $2.04

    EPS Analysts estimate

    $2.65
    UCB annual earnings per share is currently -23.06% lower than the consensus analysts' forecast

    EPS 1-year change

    +32.47%
    UCB annual earnings per share is up +32.47% year-on-year

    EPS Sector rank

    68.2%
    UCB annual earnings per share is higher than 68.2% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    UCB annual gross profit is $0.00

    Gross margin

    0.00%
    UCB annual gross profit margin is 0.00%

    Operating profit

    $318.46M
    UCB annual operating income is $318.46 million

    Operating margin

    21.42%
    UCB annual operating profit margin is 21.42%

    Net income

    $250.92M
    UCB annual net profit is $250.92 million

    Net margin

    16.88%
    UCB annual net profit margin is 16.88%

    Expenses

    Total expenses

    $1.24B
    UCB annual total expenses is $1.24 billion

    Operating expenses

    -$318.46M
    UCB annual total operating expenses is -$318.46 million

    Cost of goods sold

    -
    UCB annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    UCB annual SGA is $0.00

    Depreciation and amortization

    $40.93M
    UCB annual depreciation & amortization is $40.93 million

    Interest expense

    $550.37M
    UCB annual interest expense is $550.37 million

    Income tax

    $70.61M
    UCB annual income tax is $70.61 million

    EBIT & EBITDA

    EBIT

    $873.38M
    UCB annual earnings before interest & taxes is $873.38 million

    EBITDA

    $914.31M
    UCB annual EBITDA is $914.31 million

    Balance Sheet

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    Assets

    Total assets

    $27.81B
    UCB annual total assets is $27.81 billion

    Non current assets

    $26.62B
    UCB annual long term assets is $26.62 billion

    Current assets

    $607.54M
    UCB annual total current assets is $607.54 million

    Cash and cash equivalents

    $296.16M
    UCB annual cash & cash equivalents is $296.16 million

    Accounts receivable

    $85.62M
    UCB annual accounts receivable is $85.62 million

    Inventory

    -
    UCB annual inventory value is unknown

    Liabilities

    Total liabilities

    $24.37B
    UCB annual total liabilities is $24.37 billion

    Long term liabilities

    $419.43M
    UCB annual total long term liabilities is $419.43 million

    Current liabilities

    $15.83B
    UCB annual total current liabilities is $15.83 billion

    Accounts payable

    -
    UCB annual accounts payable value is unknown

    Debt

    Total debt

    $494.31M
    UCB annual total debt is $494.31 million

    Total debt 1-year change

    +33.97%
    UCB annual total debt is up +33.97% year-on-year

    Long term debt

    $288.87M
    UCB annual long term debt is $288.87 million

    Short term debt

    $205.44M
    UCB annual short term debt is $205.44 million

    Equity & Capital

    Shareholders equity

    $3.43B
    UCB annual stockholders equity is $3.43 billion

    Book value

    $3.34B
    UCB annual book value is $3.34 billion

    Retained earnings

    $714.14M
    UCB annual retained earnings is $714.14 million

    Working capital

    -$15.22B
    UCB annual working capital is -$15.22 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $374.26M
    UCB annual cash flow from operations is $374.26 million

    Cash from operations 1-year change

    +20.23%
    UCB annual cash flow from operations is up +20.23% year-on-year

    Cash from investing

    -$1.02B
    UCB annual cash flow from investing activities is -$1.02 billion

    Cash from investing 1-year change

    -462.3%
    UCB annual cash flow from investing activities is down -462.3% year-on-year

    Cash from financing

    $157.31M
    UCB annual cash flow from financing activities is $157.31 million

    Cash from financing 1-year change

    -30.5%
    UCB annual cash flow from financing activities is down -30.5% year-on-year

    CAPEX

    CAPEX

    $47.04M
    UCB annual capital expenditures is $47.04 million

    CAPEX 1-year change

    -35.1%
    UCB annual capital expenditures is down -35.1% year-on-year

    Free Cash Flow

    Free cash flow

    $327.22M
    UCB annual free cash flow is $327.22 million

    Free cash flow 1-year change

    +37.02%
    UCB annual free cash flow is up +37.02% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    UCB annual gross profit margin is 0.00%

    Operating margin

    21.42%
    UCB annual operating profit margin is 21.42%

    Net margin

    16.88%
    UCB annual net profit margin is 16.88%

    ROA & ROE

    ROA

    0.91%
    UCB annual return on assets is 0.91%

    ROE

    7.50%
    UCB annual return on equity is 7.50%

    Valuation

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    PE Ratio

    PE ratio

    14.20
    UCB price to earnings ratio is 14.20

    PE ratio Sector rank

    47.6%
    UCB price to earnings ratio is higher than 47.6% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.08
    UCB price to book ratio is 1.08

    PB ratio Sector rank

    36.78%
    UCB price to book ratio is higher than 36.78% of companies in Financial Services sector

    PS Ratio

    PS ratio

    2.56
    UCB price to sales ratio is 2.56

    PS ratio Sector rank

    63.22%
    UCB price to sales ratio is higher than 63.22% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $3.75B
    UCB enterprise value is $3.75 billion

    Enterprise value Sector rank

    74.22%
    UCB enterprise value is higher than 74.22% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    UCB EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    UCB EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    0.04
    UCB annual current ratio is 0.04

    Quick ratio

    -
    UCB annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.14
    UCB annual debt to equity ratio is 0.14

    Interest coverage ratio

    1.59
    UCB annual interest coverage ratio is 1.59

    Risk & Stability

    Piotroski F-Score

    5
    UCB piotroski f-score is 5

    Altman Z-Score

    -0.37
    UCB altman z-score is -0.37

    Analyst ratings

    Recent major analysts updates

    Jul 28, 25 Keefe, Bruyette & Woods
    Market Perform
    Jul 24, 25 DA Davidson
    Buy
    Jul 8, 25 Raymond James
    Market Perform
    Apr 30, 25 Keefe, Bruyette & Woods
    Market Perform
    Apr 23, 25 Stephens & Co.
    Overweight
    Apr 23, 25 DA Davidson
    Buy
    Mar 20, 25 Hovde Group
    Market Perform
    Jan 23, 25 Piper Sandler
    Neutral
    Oct 25, 24 Truist Securities
    Hold
    Oct 25, 24 Piper Sandler
    Neutral

    Institutional Ownership

    Screeners with UCB included

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    • What is the ticker symbol for United Community Banks, Inc.?
    • Does United Community Banks, Inc. pay dividends?
    • What sector is United Community Banks, Inc. in?
    • What industry is United Community Banks, Inc. in?
    • What country is United Community Banks, Inc. based in?
    • When did United Community Banks, Inc. go public?
    • Is United Community Banks, Inc. in the S&P 500?
    • Is United Community Banks, Inc. in the NASDAQ 100?
    • Is United Community Banks, Inc. in the Dow Jones?
    • When was United Community Banks, Inc.'s last earnings report?
    • When does United Community Banks, Inc. report earnings?

    What is the ticker symbol for United Community Banks, Inc.?

    The ticker symbol for United Community Banks, Inc. is NYSE:UCB

    Does United Community Banks, Inc. pay dividends?

    Yes, United Community Banks, Inc. pays dividends. The last payment was $0.25, with an ex-dividend date on September 15, 2025

    What sector is United Community Banks, Inc. in?

    United Community Banks, Inc. is in the Financial Services sector

    What industry is United Community Banks, Inc. in?

    United Community Banks, Inc. is in the Regional Banks industry

    What country is United Community Banks, Inc. based in?

    United Community Banks, Inc. is headquartered in United States

    When did United Community Banks, Inc. go public?

    United Community Banks, Inc.'s initial public offering (IPO) was on January 4, 2000

    Is United Community Banks, Inc. in the S&P 500?

    No, United Community Banks, Inc. is not included in the S&P 500 index

    Is United Community Banks, Inc. in the NASDAQ 100?

    No, United Community Banks, Inc. is not included in the NASDAQ 100 index

    Is United Community Banks, Inc. in the Dow Jones?

    No, United Community Banks, Inc. is not included in the Dow Jones index

    When was United Community Banks, Inc.'s last earnings report?

    United Community Banks, Inc.'s most recent earnings report was on July 23, 2025

    When does United Community Banks, Inc. report earnings?

    The next expected earnings date for United Community Banks, Inc. is October 22, 2025
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