UCBNYSEState Commercial BanksFiscal year ends December 31
UNITED COMMUNITY BANKS INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$33.78−0.31 (-0.91%)
Close on Oct 19, 2026
- Market cap
- $4.07B
- P/E (TTM)
- 11.1
- Dividend yield
- 2.90%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
30.9%+2.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +11.7% | +8.8% | +13.0% | +12.5% | |
| Net income | +30.0% | +5.7% | +14.9% | +16.4% | |
| EPS, diluted | +28.4% | +1.3% | +6.5% | +9.2% | |
| Free cash flow | +17.8% | -14.2% | +20.5% | +13.2% | |
| Dividend per share | +4.3% | +4.5% | +6.4% | +16.1% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.6% | 9.0% | 9.3% | |
| Return on assets | 1.0% | 1.1% | 1.2% | |
| Capex to revenue | 4.3% | 3.2% | 2.6% | |
| Diluted shares | 72M | 83M | 121M |
Where the cash went
Fiscal 2021 to 2025, five years combined
United Community Banks generated $1.99B from operations and spent $765.38M on capital expenditure, dividends and share buybacks. 28% of that went back into the business.
Generated
$1.99B
Used
$765.38M
Capital expenditure$216.30M28%Dividends$489.72M64%Share buybacks$59.37M8%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin30.9%
×Asset turnover0.04×
×Equity multiplier7.88×
=Return on equity, FY20259.3%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 30.9% | 0.04× | 7.88× | 9.3% |
| FY2024 | 26.5% | 0.03× | 8.22× | 7.5% |
| FY2023 | 21.0% | 0.03× | 8.61× | 6.3% |
| FY2022 | 33.6% | 0.04× | 9.13× | 11.3% |
| FY2021 | 36.2% | 0.04× | 9.16× | 12.8% |
| FY2020 | 28.4% | 0.04× | 8.43× | 9.0% |
| FY2019 | 33.1% | 0.04× | 8.24× | 12.0% |
| FY2018 | 31.8% | 0.04× | 8.87× | 12.0% |
| FY2017 | 15.4% | 0.04× | 9.51× | 5.7% |
| FY2016 | 24.9% | 0.04× | 9.71× | 9.6% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$328.10M
- Cash generatingOperating cash flow above zero$384.04M
- Return on assets improvedROA up on the prior year0.9% → 1.2%
- Earnings backed by cashOperating cash flow above net income$384.04M vs $328.10M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise120M → 121M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.04