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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| UCB | +9.16% | +24.77% | +4.52% | -31% |
| S&P | +16.89% | +84.17% | +12.98% | +495% |
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.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $386.83M | 4.4% |
| Market Cap | $3.80B | -1.5% |
| Market Cap / Employee | $1.24M | -3.1% |
| Employees | 3.1K | 1.6% |
| Net Income | $85.89M | 14.0% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $120.40M | -58.3% |
| Short Term Debt | $85.00M | -58.6% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.17% | 0.3% |
| Return On Invested Capital | 7.73% | -0.6% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $115.37M | 6842.7% |
| Operating Free Cash Flow | $120.75M | 1368.0% |
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 13.33 | 13.52 | 12.40 | 11.94 | -24.58% |
| Price to Book | 1.00 | 1.04 | 1.08 | 1.06 | -9.15% |
| Price to Sales | 2.28 | 2.44 | 2.52 | 2.47 | -5.40% |
| Price to Tangible Book Value | 1.41 | 1.45 | 1.49 | 1.45 | -12.13% |
| Price to Free Cash Flow TTM | 18.60 | 16.81 | 19.45 | 12.72 | -76.67% |
| Free Cash Flow Yield | 5.4% | 5.9% | 5.1% | 7.9% | 328.58% |
| Return on Equity | 7.6% | 7.8% | 9.0% | 9.2% | 23.06% |
| Total Debt | $254.29M | $155.14M | $155.25M | $205.40M | -58.45% |
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