StockData
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%

United Community Banks statistics

Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison

Valuation

MeasureUnited Community BanksIndustry median
Market Cap$4.07B$679.86M
Enterprise Value$3.98B$418.07M
PE Ratio11.1112.00
PS Ratio3.673.62
PB Ratio1.091.18
P/TBV Ratio1.091.42
P/FCF Ratio11.2810.93
P/OCF Ratio10.4810.04

Enterprise value

MeasureUnited Community BanksIndustry median
EV / Sales3.582.78
EV / FCF11.018.40

Income (trailing twelve months)

MeasureUnited Community BanksIndustry median
Revenue$1.11B$170.85M
Pretax Income$488.27M$70.12M
Net Income$377.88M$54.33M
EPS (Diluted)$3.04$2.90

Margins

MeasureUnited Community BanksIndustry median
Pretax Margin43.9%36.4%
Profit Margin34.0%29.1%
FCF Margin32.5%33.0%

Returns

MeasureUnited Community BanksIndustry median
Return on Equity (ROE)10.3%10.5%
Return on Assets (ROA)1.32%1.12%

Growth

MeasureUnited Community BanksIndustry median
Revenue Growth (YoY)13.8%11.8%
Net Income Growth (YoY)38.3%23.1%
EPS Growth (YoY)38.2%22.7%
FCF Growth (YoY)13.1%27.1%
Revenue Growth (3Y CAGR)8.77%5.82%
Revenue Growth (5Y CAGR)13.0%6.17%
EPS Growth (3Y CAGR)1.31%1.26%
EPS Growth (5Y CAGR)6.53%8.24%

Balance sheet

MeasureUnited Community BanksIndustry median
Cash & Short-Term Investments$455.10M$205.54M
Total Debt$360.00M$177.19M
Net Cash (Debt)$95.10M$164.40M
Net Cash Per Share$0.79$8.13
Equity (Book Value)$3.75B$560.44M
Book Value Per Share$31.06$28.47
Tangible Book Value$3.75B$472.29M

Financial position

MeasureUnited Community BanksIndustry median
Debt / Equity0.100.20
Debt / FCF1.001.81

Cash flow (trailing twelve months)

MeasureUnited Community BanksIndustry median
Operating Cash Flow$388.48M$61.20M
Capital Expenditures-$27.28M-$4.02M
Free Cash Flow$361.19M$52.43M
FCF Per Share$3.00$3.07

Efficiency

MeasureUnited Community BanksIndustry median
Asset Turnover0.040.04
Revenue Per Employee$361.90K$357.09K
Profits Per Employee$123.09K$107.23K
Employee Count3,070528

Dividends and yields

MeasureUnited Community BanksIndustry median
Earnings Yield9.28%8.07%
FCF Yield8.87%8.89%
Dividend Yield2.90%2.48%
Buyback Yield1.66%1.52%
Shareholder Yield4.56%3.13%
Dividend Per Share$0.98$0.93
Dividend Growth (YoY)4.26%4.26%
Years of Dividend Growth112
Payout Ratio32.1%29.4%
FCF Payout Ratio33.6%26.0%

Shares

MeasureUnited Community BanksIndustry median
Shares Outstanding120,576,00018,910,300
Shares Change (YoY)0.74%0.39%
Shares Change (QoQ)0.07%0.00%
Float119,704,00016,895,350
Shares Held by Insiders0.72%5.92%
Shares Held by Institutions87.3%61.9%

Taxes

MeasureUnited Community BanksIndustry median
Income Tax$110.40M$14.50M
Effective Tax Rate22.6%21.1%

Scores

MeasureUnited Community BanksIndustry median
Graham Number$46.09$45.31
Graham Upside36.4%21.6%
Altman Z-Score0.190.21
Piotroski F-Score66

Calculated by StockData from United Community Banks's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.