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United Community Banks, Inc. UCB R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.ucbi.com
Company Profile ↓
$37.23
+21.65% 1Y
Mkt Cap$4.49B
P/E12.17
P/B1.14
Div. Yield3.00%
52W High$37.23
52W Low$28.07
Book Value$30.54
EPS (TTM)$3.06

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 14.9% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 13.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 12.2, below the sector median of 13.7.

Healthy Margins

Maintains a net profit margin of 34.1%.

Dividend Income

Offers a dividend yield of 3.00%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $1.06B (+11.7% YoY); net profit $328.10M.
  • Trailing 12 Months Year-on-year growth — revenue +24.4%, earnings +50.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.0%, profit CAGR 14.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:12.98%
1 Year:24.40%

Compounded Profit Growth

5 Years:14.86%
1 Year:50.80%

Stock Price Performance

1 Year:+21.65%
6 Months:+12.20%
3 Months:+6.40%
1 Month:+11.10%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
$28.07 $37.23
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)72.72 · Overbought
Price Performance
1M+11.10%
3M+6.40%
6M+12.20%
1Y+21.65%
Valuation vs Sector

P/E of 12.17 is below the sector median of 13.71 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.1%.
  • Compounding revenue at 13.0% over 5 years.
  • Profit CAGR of 14.9% over 5 years.
  • Attractive dividend yield of 3.00%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
12.17
Industry PE
13.71
Forward P/E
11.14
PEG Ratio
1.67
Book Value
$30.54
Price to Book
1.14
P/S
3.77
EV/EBITDA
-
Dividend Yield
3.00%

Growth (CAGR)

Revenue 5Y
12.98%
Profit 5Y
14.86%
Revenue (YoY)
24.40%
Earnings (YoY)
50.80%

Profitability & Returns

ROCE
-
ROE
10.27%
ROA
1.32%
Profit Margin
34.09%
Op Margin
50.90%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.95
EPS (TTM)
$3.06

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$1.23B
Total Assets
$29.05B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.44%
Chg in Prom Hold
0.01%
FII / Inst Holding
88.91%
Chg in FII Hold
-0.46%

Financial Snapshot

Enterprise Value
$4.49B
Total Revenue (TTM)
$1.11B
EBITDA
-
Free Cash Flow
$356.46M
Operating Cash Flow
$388.48M
Shares Outstanding
120.58M
Gross Margin
0.00%
Payout Ratio
32.68%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 UCB United Community Banks, Inc. R2KR3KFINANCIAL 37.23 12.17 $4.49B 3.00% - 10.27% 12.98% 14.86%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 336.54 14.43 $894.59B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 546.97 13.76 $770.15B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 414.34 35.23 $706.08B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 633.21 34.87 $550.55B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 820,500.00 13.76 $400.77B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 51.08 11.80 $357.19B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 91.89 13.13 $314.52B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 183.97 14.87 $288.94B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue -------------8.22M8.93M-9.11M8.45M----------------------
Net Income 229.96M15.50M15.40M16.36M17.62M17.67M17.81M17.89M22.30M25.27M25.87M23.52M28.27M27.95M37.66M39.63M43.68M44.26M44.09M48.36M31.88M25.10M47.61M73.71M70.26M73.82M48.02M66.84M81.16M62.30M63.29M47.87M62.63M66.61M47.35M71.41M78.73M91.49M84.29M115.64M
Diluted EPS 3.900.210.250.270.290.290.280.270.310.350.360.330.390.380.470.490.540.550.550.600.400.320.520.820.780.820.430.610.740.520.530.390.510.540.380.580.630.700.690.95

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -4.55M66.60M30.87M221.68M209.26M269.94M326.25M42.11M38.30M36.00M560.96M577.43M744.40M826.15M893.25M952.12M1.06B
Net Income -228.33M-502.34M-226.75M33.86M273.14M67.62M71.58M100.66M67.82M166.11M185.72M164.09M269.80M277.47M187.54M252.40M328.10M
Diluted EPS --27.09-5.970.384.441.111.091.400.922.072.311.912.972.521.542.042.62

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --7.28B6.98B6.80B7.43B7.57B9.62B10.71B11.92B12.57B12.92B17.79B20.95B24.01B27.30B27.72B28.00B
Total Equity 989.38M962.32M468.58M575.49M581.40M795.72M739.58M1.02B1.08B1.30B1.46B1.64B2.01B2.22B2.70B3.26B3.43B3.64B
Cash & Equivalents 493.42M376.37M649.46M378.42M251.15M228.90M192.66M240.36M217.35M314.27M--------
Long Term Debt --150.15M120.22M124.81M129.87M129.87M-1.78M-4.98M120.55M267.19M212.66M326.96M247.36M324.66M324.82M254.15M120.40M
Total Liabilities --6.81B6.41B6.22B6.63B6.83B8.60B9.63B10.61B11.12B11.28B15.79B18.72B21.31B24.04B24.29B24.36B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 139.56M123.39M151.88M183.08M191.65M101.90M-139.91M207.96M270.01M153.93M158.68M359.32M607.31M293.97M349.73M384.04M
Investing Cash Flow 403.94M373.29M-363.97M-102.01M-482.79M-237.50M--732.33M-45.51M-359.48M163.22M-1.58B-1.81B-2.02B-163.29M-991.04M33.42M
Financing Cash Flow -660.56M-223.59M-58.95M-208.33M268.89M99.36M-569.40M-65.53M102.46M-129.21M2.52B2.16B-258.78M226.34M157.31M-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-26.48M-42.70M-72.48M-47.04M-27.58M
Free Cash Flow 124.69M116.26M144.67M178.96M183.51M96.84M-122.54M185.78M252.39M132.99M140.22M332.84M564.60M221.49M302.69M356.46M
Share Buybacks -------13.66M0013.02M20.78M15.10M00044.27M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % 5,017.1%-754.3%-734.5%15.3%130.5%25.1%21.9%239.0%177.1%461.5%33.1%28.4%36.2%33.6%21.0%26.5%30.9%
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%12.1%10.3%5.8%7.4%9.0%
ROCE % -----------------

Shareholding Pattern

Insiders
0.44%
Institutions
88.91%
Public Float
89.30%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.52% 17.51M $584.42M
2 Vanguard Portfolio Management LLC 6.73% 8.12M $270.97M
3 FMR, LLC 6.66% 8.03M $267.94M
4 Dimensional Fund Advisors LP 5.51% 6.64M $221.68M
5 State Street Corporation 5.42% 6.54M $218.27M
6 Vanguard Capital Management LLC 4.50% 5.42M $180.97M
7 Neuberger Berman Group, LLC 2.92% 3.52M $117.46M
8 Earnest Partners LLC 2.68% 3.23M $107.91M
9 Geode Capital Management, LLC 2.59% 3.12M $104.10M
10 Invesco Ltd. 1.84% 2.21M $73.92M

Analyst View

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Latest News

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UCB — Frequently Asked Questions

What is the current share price of United Community Banks, Inc. (UCB)?

As of 2026-10-22 16:30 PDT, United Community Banks, Inc. (UCB) trades at $37.23 on NYSE. Its 52-week range is $28.07 to $37.23.

What is the market capitalisation of UCB?

United Community Banks, Inc. (UCB) has a market capitalisation of $4.49B on NYSE.

What is the P/E ratio of UCB?

UCB trades at a trailing price-to-earnings (P/E) ratio of 12.17. The industry average P/E is 13.71. Its price-to-book (P/B) ratio is 1.14.

Does UCB pay a dividend?

United Community Banks, Inc. (UCB) currently offers a dividend yield of 3.00%.

What is the return on equity (ROE) of UCB?

UCB has a return on equity (ROE) of 10.27%.

Is UCB a good stock to buy?

This page provides a data-driven analysis of United Community Banks, Inc. (UCB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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