United Community Banks, Inc. (UCB)

NYSE: UCB · Real-Time Price · USD

34.23

+0.35 (1.03%)

Sep 25, 2026, 4:00 PM EDT - Market closed

United Community Banks Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,108	1,014	901.17	803.82	826.15	744.4
Revenue Growth	20.09%	12.56%	12.11%	-2.70%	10.98%	28.92%
Net Income	370.65	318.18	244.63	180.85	269.14	261.27
Earnings Per Share	3.06	2.62	2.04	1.54	2.52	2.97
EPS Growth	38.93%	28.43%	32.66%	-38.98%	-15.15%	55.50%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	573.59	431.07	566.76	1,054	697.49	2,361
Total Debt	1,232	296.76	572.15	453.78	1,175	303.58
Net Cash (Debt)	-658.54	134.31	-5.39	600.45	-477.34	2,057
Net Cash Growth	-	-	-	-	-	57.51%
Net Cash Per Share	-5.43	1.11	-0.04	5.10	-4.47	23.35

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	388.48	384.04	349.73	293.97	607.31	359.32
Capital Expenditures	-27.28	-27.58	-47.04	-72.49	-42.7	-26.48
Free Cash Flow	361.19	356.46	302.69	221.49	564.6	332.84
Free Cash Flow Growth	13.09%	17.76%	36.66%	-60.77%	69.63%	137.37%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	33.44%	31.37%	27.15%	22.50%	32.58%	35.10%
FCF Margin	32.59%	35.14%	33.59%	27.55%	68.34%	44.71%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.040	0.980	0.940	0.920	0.860	0.780
Dividend Per Share Growth	4.12%	4.25%	2.17%	6.98%	10.26%	8.33%
Dividend Yield	3.04%	3.21%	3.08%	3.44%	2.88%	2.52%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.20	11.93	15.76	19.25	13.34	12.28
Forward PE	10.84	10.95	14.40	13.81	10.12	13.71
P/FCF Ratio	11.43	10.65	12.73	15.72	6.36	9.64
PS Ratio	3.72	3.74	4.28	4.33	4.35	4.31