United Community Banks, Inc. (UCB)

United Community Banks Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	3,689	3,765	3,857	3,482	3,590	3,211
Market Cap Growth	10.69%	-2.38%	10.75%	-3.01%	11.80%	30.27%
Enterprise Value	3,555	3,885	4,199	3,895	4,011	3,555
Last Close Price	30.84	31.22	32.31	29.26	33.80	35.94
PE Ratio	11.77	11.92	15.84	19.00	13.41	12.10
Forward PE	10.32	10.95	14.40	13.81	10.12	13.71
PEG Ratio	-	1.85	1.85	1.85	1.85	1.85
PS Ratio	3.64	3.54	4.05	3.90	4.35	4.31
PB Ratio	1.02	1.03	1.12	1.07	1.33	1.45
P/TBV Ratio	1.03	1.04	1.13	1.06	1.34	1.43
P/FCF Ratio	10.35	10.56	12.74	15.72	6.36	9.65
P/OCF Ratio	9.61	9.80	11.03	11.85	5.91	8.94
EV/Sales Ratio	3.50	3.65	4.41	4.36	4.86	4.78
EV/EBITDA Ratio	-	84.56	102.59	86.63	85.90	-1723.23
EV/FCF Ratio	9.97	10.90	13.87	17.59	7.10	10.68
Debt / Equity Ratio	0.03	0.03	0.07	0.10	0.12	0.11
Debt / EBITDA Ratio	2.62	2.62	6.21	7.22	6.95	-119.90
Debt / FCF Ratio	0.34	0.34	0.84	1.47	0.57	0.74
Net Debt / Equity Ratio	0.03	0.03	0.07	0.10	0.12	0.11
Net Debt / EBITDA Ratio	2.62	2.62	6.21	7.22	6.95	-119.90
Net Debt / FCF Ratio	0.34	0.34	0.84	1.47	0.57	0.74
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04
Return on Equity (ROE)	9.28%	9.28%	7.54%	6.29%	11.27%	12.76%
Earnings Yield	8.63%	8.39%	6.31%	5.26%	7.46%	8.26%
FCF Yield	9.66%	9.47%	7.85%	6.36%	15.73%	10.36%
Dividend Yield	3.24%	3.13%	2.90%	3.05%	2.41%	2.12%
Payout Ratio	37.79%	37.25%	45.91%	58.11%	32.28%	25.61%
Buyback Yield / Dilution	-1.28%	-1.28%	-1.83%	-10.27%	-21.21%	-5.82%
Total Shareholder Return	1.96%	1.85%	1.07%	-7.22%	-18.80%	-3.71%

Updated Jan 14, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q