United Community Banks Inc.

UCB | NYSE

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$34.59

-$0.10 (-0.29%)

At close: Sep 21, 2026, 4:00 PM ET

$34.65

+$0.06 (+0.17%)

After-hours: Sep 21, 2026, 4:12 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $4.15B

Enterprise Value $287.59M

Beta 0.83

Average Volume 870.19K

Shares Outstanding (Diluted) 120.44M

Shares Change YoY -0.82%

Institutional Ownership 84.16%

Exchange NYSE

ISIN US90984P3038

Price Performance

Price Change 1M -2.8%

Price Change 3M 1.6%

Price Change 6M 10.8%

Price Change YTD 10.0%

Price Change 1Y 8.8%

Price Change 3Y 40.0%

Price Change 5Y 13.5%

1M CAGR (ann.) -2.1%

1Y CAGR (ann.) 13.3%

5Y CAGR (ann.) 7.3%

All-Time CAGR -5.2%

Valuation

PE Ratio 11.34

Forward PE 10.23

PEG Ratio 0.29

Forward PEG 0.95

PS Ratio 2.66

Forward PS 3.50

PB Ratio 1.11

P/FCF Ratio 11.02

P/Adj. FCF Ratio 11.40

P/OCF Ratio 9.45

EV/Sales 0.18

EV/EBIT 0.60

EV/EBITDA 0.55

EV/FCF 0.77

Earnings Yield 8.8%

FCF Yield 9.1%

Adj. FCF Yield 8.8%

Financial Health

Net Cash $3.85B

Total Debt $380.6M

Cash & Short-Term Investments $4.24B

Total Assets $29.05B

Current Ratio 11.77

Quick Ratio 11.77

Debt / Equity Ratio 0.10

Debt / EBITDA 0.73

Debt / FCF 1.01

OCF / Debt 1.07

Interest Coverage 1.10

Altman Z-Score 0.42

Piotroski F-Score 9

Margins & Profitability

Gross Profit Margin 72.0%

Operating Profit Margin 30.7%

EBITDA Margin 33.4%

Net Profit Margin 24.3%

FCF Margin 24.2%

Adj. FCF Margin 23.4%

SBC / Revenue 0.8%

SBC Impact (per share) -3.3%

Returns

Return on Assets 1.3%

Return on Equity 10.3%

Return on Invested Capital 6.6%

Return on Capital Employed 1.7%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 10.9%

Revenue CAGR 5Y 16.1%

Revenue CAGR 10Y 14.7%

EPS CAGR 3Y 6.4%

EPS CAGR 5Y 1.9%

EPS CAGR 10Y 10.0%

FCF CAGR 3Y -5.0%

FCF CAGR 5Y 15.1%

FCF CAGR 10Y 17.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 7

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 27, 2026

EPS Estimate (next Q) $0.77

EPS Growth Est (next Q) 2.9%

Revenue Est (next Q) $282.49M

Revenue Growth Est (next Q) 2.0%

Fair Value Estimates

Graham Number $46.22

Graham Upside 33.6%

Lynch Fair Value $15.25

Lynch Upside -55.9%

Price Target $39.67

Price Target Upside 14.7%

Cash Flow

Operating Cash Flow $405.95M

Free Cash Flow $375.76M

Adj. Free Cash Flow $363.33M

FCF Per Share $3.43

OCF Per Share $3.66

OCF/S Ratio 28.3%

Income Statement

Revenue $1.56B

Gross Profit $1.12B

Operating Income $477.45M

EBITDA $519.89M

Net Income $377.93M

EPS (Diluted) $3.05

Revenue / Employee $495.07K

Profit / Employee $120.32K

Employees 3,141

Dividends

Annual Dividend $1.01

Dividend Yield 2.92%

Payout Ratio 33.1%

FCF Payout Ratio 32.8%

Adj. FCF Payout Ratio 33.9%

Dividend Growth (YoY) 4.1%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026