United Community Banks, Inc. UCB R2K

Financial Services · Banks - Regional · United States

https://www.ucbi.com

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.

Market & Price

Market Cap

$3.94B

Current Price

$32.95

High / Low (52W)

$36.21 / $26.87

Beta

0.85

Valuation

Stock P/E

12.07

Industry PE

12.01

Forward P/E

9.94

PEG Ratio

1.67

Book Value

$30.17

Price to Book

1.09

P/S

3.76

EV/EBITDA

Dividend Yield

3.03%

Profitability & Returns

ROCE

ROE

9.53%

ROA

1.22%

Profit Margin

32.54%

Op Margin

45.65%

EPS (Latest Qtr)

$0.69

EPS (TTM)

$2.73

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$169.98M

Total Assets

$28.00B

Current Assets

Working Capital

Ownership

Promoter Holding

0.45%

Chg in Prom Hold

FII / Inst Holding

88.28%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$3.49B

Total Revenue (TTM)

$1.05B

EBITDA

Free Cash Flow

Operating Cash Flow

$354.68M

Shares Outstanding

119.69M

Gross Margin

0.00%

Payout Ratio

36.26%

Growth (CAGR)

Revenue 5Y

6.24%

Profit 5Y

5.75%

Revenue (YoY)

14.40%

Earnings (YoY)

19.30%

PROS

Excellent profit margin of 32.5%.
Attractive dividend yield of 3.03%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	UCB United Community Banks, Inc. R2K	32.95	12.07	$3.94B	3.03%	-	9.53%	6.24%	5.75%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	8.22M	8.93M	-	9.11M	8.45M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	242.93M	254.34M	270.88M	272.81M	270.37M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	123.34M	121.83M	120.22M	108.44M	101.20M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	91.16M	100.50M	118.07M	112.68M	108.36M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.75M	21.77M	26.58M	26.22M	24.07M
Net Income	15.50M	15.40M	16.36M	17.62M	17.67M	17.81M	17.89M	22.30M	25.27M	25.87M	23.52M	28.27M	27.95M	37.66M	39.63M	43.68M	44.26M	44.09M	48.36M	31.88M	25.10M	47.61M	73.71M	70.26M	73.82M	48.02M	66.84M	81.16M	62.30M	63.29M	47.87M	62.63M	66.61M	47.35M	-	71.41M	78.73M	91.49M	86.45M	84.29M
Diluted EPS	0.21	0.25	0.27	0.29	0.29	0.28	0.27	0.31	0.35	0.36	0.33	0.39	0.38	0.47	0.49	0.54	0.55	0.55	0.60	0.40	0.32	0.52	0.82	0.78	0.82	0.43	0.61	0.74	0.52	0.53	0.39	0.51	0.54	0.38	-	0.58	0.63	0.70	0.70	0.69

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	42.11M	38.30M	36.00M	-	-	-	868.13M	871.95M	930.04M	1.04B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	60.80M	419.34M	550.37M	473.83M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	356.00M	232.54M	323.01M	422.41M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	78.53M	45.00M	70.61M	94.32M
Net Income	-228.33M	-502.34M	-226.75M	33.86M	273.14M	67.62M	71.58M	100.66M	67.82M	166.11M	185.72M	164.09M	-	277.47M	187.54M	252.40M	328.10M
Diluted EPS	-	-27.09	-5.97	0.38	4.44	1.11	1.09	1.40	0.92	2.07	2.31	1.91	-	2.52	1.54	2.04	2.62

Compounded Sales Growth

5 Years:	6.24%
1 Year:	14.40%

Compounded Profit Growth

5 Years:	5.75%
1 Year:	19.30%

Stock Price Performance

1 Year:	+18.39%
6 Months:	+7.22%
3 Months:	+3.28%
1 Month:	-0.60%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	7.28B	6.98B	6.80B	7.43B	7.57B	9.62B	10.71B	11.92B	12.57B	12.92B	17.79B	-	24.01B	27.30B	27.72B	28.00B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	493.42M	376.37M	649.46M	378.42M	251.15M	228.90M	192.66M	240.36M	217.35M	314.27M	-	-	-	-	511.85M	1.00B	519.87M	395.75M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	72.81M	87.78M	85.62M	83.56M
Total Liabilities	-	-	6.81B	6.41B	6.22B	6.63B	6.83B	8.60B	9.63B	10.61B	11.12B	11.28B	15.79B	-	21.31B	24.04B	24.29B	24.36B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-1.78M	-4.98M	-	-	-	-	-	874.66M	324.82M	254.15M	120.40M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	874.66M	324.82M	254.15M	120.40M
Total Equity	989.38M	962.32M	468.58M	575.49M	581.40M	795.72M	739.58M	1.02B	1.08B	1.30B	1.46B	1.64B	2.01B	-	2.70B	3.26B	3.43B	3.64B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	106.22M	119.01M	119.36M	120.60M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	139.56M	123.39M	151.88M	183.08M	191.65M	101.90M	-	139.91M	207.96M	270.01M	153.93M	158.68M	-	607.31M	293.97M	349.73M	384.04M
Investing Cash Flow	403.94M	373.29M	-363.97M	-102.01M	-482.79M	-237.50M	-	-732.33M	-45.51M	-359.48M	163.22M	-1.58B	-	-2.02B	-163.29M	-991.04M	33.42M
Financing Cash Flow	-660.56M	-223.59M	-58.95M	-208.33M	268.89M	99.36M	-	569.40M	-65.53M	102.46M	-129.21M	2.52B	-	-258.78M	226.34M	157.31M	-541.57M
Capital Expenditure	-14.87M	-7.13M	-7.21M	-4.12M	-8.14M	-5.05M	-10.53M	-17.38M	-22.18M	-17.62M	-20.94M	-18.46M	-	-42.70M	-72.48M	-47.04M	-27.58M
Free Cash Flow	124.69M	116.26M	144.67M	178.96M	183.51M	96.84M	-	122.54M	185.78M	252.39M	132.99M	140.22M	-	564.60M	221.49M	302.69M	356.46M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.67B	357.02M	-484.00M	-124.12M
Share Buybacks	-	-	-	-	-	-	-	13.66M	0	0	13.02M	20.78M	15.10M	0	0	0	44.27M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	239.0%	177.1%	461.5%	-	-	-	32.0%	21.5%	27.1%	31.5%
ROE %	-23.7%	-107.2%	-39.4%	5.8%	34.3%	9.1%	7.0%	9.4%	5.2%	11.4%	11.4%	8.2%	-	10.3%	5.8%	7.4%	9.0%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

0.45%

Institutions

88.28%

Public Float

88.68%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	14.92%	17.86M	$588.54M
2	FMR, LLC	7.48%	8.95M	$294.91M
3	Vanguard Portfolio Management LLC	6.72%	8.04M	$265.08M
4	Dimensional Fund Advisors LP	5.45%	6.52M	$214.84M
5	State Street Corporation	5.21%	6.23M	$205.38M
6	Vanguard Capital Management LLC	4.49%	5.38M	$177.15M
7	Neuberger Berman Group, LLC	2.92%	3.49M	$115.02M
8	Earnest Partners LLC	2.80%	3.36M	$110.62M
9	Geode Capital Management, LLC	2.49%	2.98M	$98.14M
10	Goldman Sachs Group Inc	1.56%	1.87M	$61.47M

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