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United Community Banks(NYSE) UCB

Market Cap$4.27BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2002)-27%
5 Year+38%
1 Year+11%
1 Month-0%
$35.16
-0.68%
-0.24Today
After hours$35.12-$0.04 (-0.11%)
United Community Banks last closing stock price
MetricPriceDate
Last closeUSD 35.112026-08-25
United Community Banks stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.94%USD 36.552026-08-18
1 month-0.4%USD 35.252026-07-24
3 month+6.2%USD 33.062026-05-27
Year to date+14.22%USD 30.742025-12-31
1 year+10.89%USD 31.662025-08-25
3 year+44.17%USD 24.352023-08-25
5 year+37.98%USD 25.442021-08-26
Since inception-27.1%USD 48.562002-03-18

United Community Banks Financials at a Glance

Market Cap

$4.27BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.56B

Net Income (TTM)

$377.93M

EPS (TTM)

$3.06

P/E Ratio

11.58

Dividend

$1.00

Beta (Volatility)

0.98 (Low)

Price

$35.16

Volume

656,118

Open

$35.47

Previous Close

$35.11

Daily Range

$35.05 - $35.47

52-Week Range

$28.65 - $37.18

Estimated Earnings Date

Oct 21, 2026

UCB News

BuyAlert-Blue.png

Leadership Investment: Director Carande Acquires 2,101 Shares of United Community Banks

Jack DelaneyAug 19, 2026
One person explaining something to another.

Why United Community Banks Stock Dropped 10.1% This Week

Dave KovaleskiJan 20, 2023
small bank sign carved into stone

This Regional Bank Could Win From BB&T and SunTrust's Merger

Jordan WathenFeb 17, 2019
Money pixabay4

3 Cheap Growth Stocks You Can Buy Right Now

Sean WilliamsMar 31, 2016

Weekly Regional Bank Earnings Roundup

Robert EberhardJul 27, 2012

Today's Regional Bank Earnings Roundup

Robert EberhardJan 26, 2012

How I Lost 89% on One Stock, and How You Can Avoid My Mistakes

Adam WiedermanNov 3, 2010

United Community Banks Shares Plunged: What You Need to Know

Matt KoppenhefferOct 28, 2010
Page 1

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About United Community Banks

United Community helps people manage and borrow money. It serves customers through local branches and specialized lending programs. The bank also offers financial planning and insurance products.

What the Bank Provides

  • Commercial Banking: Loans for business operations and real estate including construction and land development.
  • Consumer Banking: Personal checking and savings accounts alongside mortgage and home equity lending.
  • Wealth Management: Investment guidance and planning for individuals and institutions.
  • Specialized Lending: Loans backed by the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA).
  • Trust and Insurance: Fiduciary services for asset management and insurance products; fiduciary means managing assets for others.

Growth Through Strategic Deals

  • Entered a deal on June 11, 2026, to sell the Navitas equipment financing unit to focus on relationship banking.
  • Completed the acquisition of Peach State Bank & Trust on Aug. 1, 2026, to grow its presence in Georgia.
  • Finalized the purchase of ANB on May 1, 2025.
  • Added over 35 experienced revenue-producing staff since the third quarter of 2025 to drive organic growth.

Regional Reach and Stability

United Community manages a network of 200 banking offices throughout six states in the Southeast.

The bank maintains high capital levels and was considered well-capitalized at June 30, 2026.

Key Second Quarter Metrics

  • Net income was $116 million in the second quarter of 2026, up 47% year over year.
  • Total revenue hit $279 million for the three months ended June 30, 2026, up 7% year over year.
  • The net interest margin hit 3.68% in the second quarter of 2026 using a metric that adjusts for tax-exempt income.
  • Tangible book value (non-GAAP), which excludes intangible assets, reached $23.31 at June 30, 2026, up 11% year over year.

Evolution of the Business

United Community has shifted toward a focused relationship-banking model by divesting its national equipment finance unit. The bank is expanding its regional footprint through strategic acquisitions and local commercial lending.

AI Generated • Aug 6, 2026

Industry

Banks

Sector

Financials

Employees

3,141

CEO

Herbert Lynn Harton

Website

www.ucbi.com

Headquarters

Greenville, SC 29601, US

UCB Financials

Key Financial Metrics (TTM)

Gross Margin

71.96%

Operating Margin

30.70%

Net Income Margin

24.30%

Return on Equity

10.33%

Return on Capital

10.99%

Return on Assets

1.30%

Earnings Yield

8.64%

Dividend Yield

2.82%

Payout Ratio

32.53%

Stock Overview

Market Cap

$4.27BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

120.58M

Volume

656.12K

Avg. Volume

980.84K

Financials (TTM)

Gross Profit

$1.12B

Operating Income

$477.45M

EBITDA

$519.89M

Operating Cash Flow

$439.74M

Capital Expenditure

-$27.28M

Free Cash Flow

$412.46M

Cash & ST Invst.

$4.24B

Total Debt

$380.60M

United Community Banks Performance Analysis

United Community Banks annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 941,668,00027.4%
20232023-12-31USD 1,311,139,10039.2%
20242024-12-31USD 1,486,777,00013.4%
20252025-12-31USD 1,533,799,0003.2%
United Community Banks sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.0%
Q42025-12-313.2%
Q12026-03-31-6.4%
Q22026-06-301.3%
United Community Banks annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.52-15.0%
20232023-12-31USD 1.54-39.1%
20242024-12-31USD 2.0432.8%
20252025-12-31USD 2.6228.4%
United Community Banks sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3011.1%
Q42025-12-311.4%
Q12026-03-31-2.8%
Q22026-06-3037.7%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$382.75M

+1.7%

Gross Profit

$309.08M

+27.4%

Gross Margin

80.75%

N/A

Market Cap

$4.27BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.36M

N/A

Employees

3,141

N/A

Net Income

$115.64M

+46.9%

EBITDA

$138.34M

+23.1%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$4.24B

-8.6%

Total Debt

$380.60M

+145.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$20.60M

-86.7%

Short Term Debt

$360.00M

N/A

Return on Assets

1.30%

N/A

Return on Invested Capital

1.66%

N/A

Free Cash Flow

$121.41M

+43.3%

Operating Cash Flow

$130.63M

+34.9%

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Questions About UCB

What is the current price of United Community Banks?

United Community Banks is trading at $35.11 per share.

What is the 52-week range for United Community Banks?

Over the past 52 weeks, United Community Banks has traded between $28.65 and $37.18.

How much debt does United Community Banks have?

As of the most recent reporting period, United Community Banks reported total debt of $1.18B.

How much cash does United Community Banks have on hand?

United Community Banks does not have cash on hand data available.

What is United Community Banks’s dividend yield?

United Community Banks currently has a dividend yield of 2.82%.

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