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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| UCB | +7.69% | +66.82% | +10.78% | -40% |
| S&P | +18.33% | +108.18% | +15.79% | +491% |
United Community Banks, Inc. is a bank holding company, which engages in the provision of consumer and business banking services. The firm caters to individuals and small and medium-sized businesses. It offers checking, savings, mortgages, borrowing, digital baking, credit cards, and investing services. The company was founded in 1950 and is headquartered in Blairsville, GA.
Fourth-quarter earnings fell short of analysts' expectations
This $13 billion bank is located in many of the same markets as BB&T and SunTrust.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $397.07M | 11.0% |
| Market Cap | $3.81B | 9.9% |
| Market Cap / Employee | $1.25M | 10.6% |
| Employees | 3K | -0.7% |
| Net Income | $90.99M | 93.3% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $155.25M | -50.9% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.14% | 0.4% |
| Return On Invested Capital | 7.73% | -0.6% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $84.51M | -14.1% |
| Operating Free Cash Flow | $96.64M | -16.9% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 15.84 | 13.33 | 13.52 | 12.42 | -34.56% |
| Price to Book | 1.16 | 1.00 | 1.04 | 1.08 | 1.43% |
| Price to Sales | 2.61 | 2.28 | 2.44 | 2.52 | 4.19% |
| Price to Tangible Book Value | 1.64 | 1.41 | 1.45 | 1.49 | -1.98% |
| Price to Free Cash Flow TTM | 54.52 | 18.60 | 16.81 | 19.45 | -5.35% |
| Free Cash Flow Yield | 1.8% | 5.4% | 5.9% | 5.1% | 5.66% |
| Return on Equity | 7.5% | 7.6% | 7.8% | 9.0% | 56.62% |
| Total Debt | $494.31M | $254.29M | $155.14M | $155.25M | -50.93% |
UCBI earnings call for the period ending September 30, 2021.
UCBI earnings call for the period ending June 30, 2021.
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