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.
- Symbol
- UCB
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Regional
- Market cap
- $4.06B
- 52 week range
- 28.65 - 37.18
Valuation
- Share price
- $33.89 (close of 2026-09-23)
- P/E (TTM)
- 11.12x
- Price to book
- 1.09x
- Price to free cash flow
- 11.25x
- Enterprise value
- $4.79B
- Book value per share
- $31.27
Price performance
| Period | Change |
|---|
| 1 day | -2.02% |
| 5 days | -4.10% |
| 1 month | -4.75% |
| 3 months | -0.44% |
| 6 months | +10.57% |
| Year to date | +8.55% |
| 1 year | +7.93% |
| 3 years | +37.15% |
| 5 years | +13.31% |
| 10 years | +62.93% |
| All time | -55.39% |
Profitability and growth
- Return on equity
- 9.02%
- Return on assets
- 1.17%
- Net margin
- 30.86%
- EBITDA margin
- 88.62%
- 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)
- 8.89%
- Net debt to EBITDA
- 0.77x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $1.06B
- EBITDA
- $942.20M
- Net income
- $328.10M
- Earnings per share
- $2.62
- Interest expense
- $473.83M
- Shares outstanding
- 121.31M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 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 | $36.00M | $166.11M | $2.07 |
| 2017-12-31 | $38.30M | $67.82M | $0.92 |
| 2016-12-31 | $42.11M | $100.66M | $1.40 |
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|
| 2025-12-31 | 30.86% | 9.02% |
| 2024-12-31 | 26.51% | 7.35% |
| 2023-12-31 | 21.00% | 5.75% |
| 2022-12-31 | 33.59% | 10.27% |
| 2021-12-31 | 36.24% | 12.14% |
| 2020-12-31 | 28.42% | 8.17% |
| 2019-12-31 | 33.11% | 11.35% |
| 2018-12-31 | 461.46% | 11.40% |
| 2017-12-31 | 177.10% | 5.20% |
| 2016-12-31 | 239.01% | 9.36% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 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 end | Free cash flow | Stock-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
- 2026-09-15
- Paid in the last twelve months
- $1.01
| Payment date | Dividend 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
Next earnings report
- Next confirmed report
- 2026-10-28
- Consensus EPS estimate
- $0.77
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-07-21 | Jun/2026 | $0.80 |
| 2026-04-21 | - | - |
| 2026-01-14 | - | - |
| 2025-10-22 | - | - |
| 2025-07-23 | - | - |
| 2025-04-22 | - | - |
| 2025-01-22 | - | - |
| 2024-10-23 | - | - |
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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