United Community Banks Inc (UCB)

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

Ticker
UCB
Exchange
NYSE
Sector
Financial Services
Industry
Banks - Regional
Market cap
$4.43B
52-week range
$28.82 - $38.63

Valuation

Share price
$36.99 (close of Nov 6, 2026)
P/E (TTM)
31.35x
Price to book
1.26x
Price to free cash flow
10.98x
Enterprise value
$3.69B
Book value per share
$29.27

Price performance

PeriodChange
1 day+0.08%
5 days+0.71%
1 month+9.70%
3 months+3.61%
6 months+8.99%
Year to date+18.48%
1 year+25.43%
3 years+56.87%
5 years+0.74%
10 years+73.91%
All time-51.31%

Short interest

As of
Oct 15, 2026
Short % of float
6.18%
Shares short
5.48M
Days to cover
5.52
Change since prior report
+1.94%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
9.02%
Return on assets
1.17%
Net margin
30.86%
Revenue growth
11.66%
Net income growth
29.99%
Free cash flow growth
17.76%

Cash flow and balance sheet

Free cash flow yield (TTM)
9.11%
Net debt to EBITDA
-1.08x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$1.06B
Net income
$328.10M
Earnings per share
$2.62
Interest expense
$473.83M
Shares outstanding
121.31M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$1.06B$328.10M$2.62
2024-12-31$952.12M$252.40M$2.04
2023-12-31$893.25M$187.54M$1.54
2022-12-31$826.15M$277.47M$2.52
2021-12-31$744.40M$269.80M$2.97
2020-12-31$577.43M$164.09M$1.91
2019-12-31$560.96M$185.72M$2.31
2018-12-31$531.71M$166.11M$2.07
2017-12-31$444.25M$67.82M$0.92
2016-12-31$403.48M$100.66M$1.40

Margins and returns by year

Period endNet marginReturn on equity
2025-12-3130.86%9.02%
2024-12-3126.51%7.35%
2023-12-3121.00%5.75%
2022-12-3133.59%10.27%
2021-12-3136.24%12.14%
2020-12-3128.42%8.17%
2019-12-3133.11%11.35%
2018-12-3131.24%11.40%
2017-12-3115.27%5.20%
2016-12-3124.95%9.36%

Cash and debt by year

Period endCashDebt
2025-12-31$395.75M$120.40M
2024-12-31$519.87M$254.15M
2023-12-31$1.00B$324.82M
2022-12-31$646.85M$324.66M
2021-12-31$2.32B$247.36M
2020-12-31$1.61B$326.96M
2019-12-31$515.21M$212.66M
2018-12-31$327.26M$267.19M
2017-12-31$314.27M$120.55M
2016-12-31$217.35M-$4.98M

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$356.46M$11.40M
2024-12-31$302.69M$10.80M
2023-12-31$221.49M$8.93M
2022-12-31$564.60M$8.71M
2021-12-31$332.84M$6.55M
2020-12-31$140.22M$7.89M
2019-12-31$132.99M$9.36M
2018-12-31$252.39M$6.06M
2017-12-31$185.78M$5.83M
2016-12-31$122.54M$4.50M

Dividend history

Most recent payment
Sep 15, 2026
Paid in the last twelve months
$1.01
Payment dateDividend per share
2026-09-15$0.26
2026-06-15$0.25
2026-03-13$0.25
2025-12-15$0.25
2025-09-15$0.25
2025-06-13$0.24
2025-03-14$0.24
2024-12-16$0.24

Investor relations

Past earnings dates

ReportedFiscal periodEPS estimate
2026-10-20Sep 2026$0.77
2026-07-21Jun 2026$0.80
2026-04-21Mar 2026$0.71
2026-01-14Dec 2025$0.73
2025-10-22Sep 2025$0.70
2025-07-23Jun 2025$0.62
2025-04-22Mar 2025$0.56
2025-01-22Dec 2024$0.56

Filings and sources

Company website
ucbi.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart

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