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United Community Banks

(NYSE) UCB

Current Price$31.12
Market Cap$3.67B
Since IPO (2002)-37%
5 Year+6%
1 Year+11%
1 Month-10%

United Community Banks Financials at a Glance

Market Cap

$3.67B

Revenue (TTM)

$1.54B

Net Income (TTM)

$328.15M

EPS (TTM)

$2.62

P/E Ratio

11.70

Dividend

$0.99

Beta (Volatility)

1.03 (Average)

Price

$31.12

Volume

21,008

Open

$30.39

Previous Close

$31.12

Daily Range

$30.36 - $31.30

52-Week Range

$22.93 - $36.77

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About United Community Banks

Industry

Banks

Employees

3,070

CEO

Herbert Lynn Harton

Headquarters

Blairsville, GA 30512, US

UCB Financials

Key Financial Metrics (TTM)

Gross Margin

66%

Operating Margin

27%

Net Income Margin

21%

Return on Equity

9%

Return on Capital

10%

Return on Assets

1%

Earnings Yield

8.55%

Dividend Yield

0.03%

Payout Ratio

37.56%

Stock Overview

Market Cap

$3.67B

Shares Outstanding

119.61M

Volume

21.01K

Short Interest

0.00%

Avg. Volume

899.49K

Financials (TTM)

Gross Profit

$1.01B

Operating Income

$422.41M

EBITDA

$456.52M

Operating Cash Flow

$435.30M

Capital Expenditure

$27.58M

Free Cash Flow

$407.72M

Cash & ST Invst.

$3.95B

Total Debt

$205.40M

United Community Banks Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$403.45M

+6.3%

Gross Profit

$281.35M

+20.4%

Gross Margin

69.74%

N/A

Market Cap

$3.67B

N/A

Market Cap/Employee

$1.23M

N/A

Employees

2,982

N/A

Net Income

$86.45M

+14.1%

EBITDA

$112.68M

+6.5%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$3.75B

-16.8%

Accounts Receivable

$83.56M

-2.4%

Inventory

$0.00

N/A

Long Term Debt

$120.40M

-52.6%

Short Term Debt

$85.00M

-56.4%

Return on Assets

1.17%

N/A

Return on Invested Capital

10.25%

N/A

Free Cash Flow

$110.98M

-22.1%

Operating Cash Flow

$116.74M

-21.2%

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Questions About UCB

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