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	Feb 18, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	4,145	3,795	3,854	3,481	3,590	3,209
Market Cap Growth	4.75%	-1.54%	10.71%	-3.02%	11.86%	30.27%
Last Close Price	34.87	31.22	31.28	27.38	30.58	31.68
PE Ratio	13.24	11.93	15.76	19.25	13.34	12.28
PS Ratio	4.17	3.74	4.28	4.33	4.35	4.31
PB Ratio	1.16	1.04	1.12	1.07	1.33	1.44
P/FCF Ratio	-	-	12.73	15.72	6.36	9.64
P/OCF Ratio	-	-	11.02	11.84	5.91	8.93
Debt / Equity Ratio	0.07	0.07	0.17	0.14	0.44	0.14
Debt / FCF Ratio	-	-	1.89	2.05	2.08	0.91
Net Debt / Equity Ratio	-0.05	-0.05	0.00	-0.18	0.18	-0.93
Net Debt / FCF Ratio	-	-	0.02	-2.71	0.85	-6.18
Return on Equity (ROE)	9.28%	9.28%	7.54%	6.29%	11.27%	12.76%
Return on Assets (ROA)	1.18%	1.18%	0.92%	0.73%	1.23%	1.39%
Earnings Yield	7.63%	8.64%	6.55%	5.39%	7.73%	8.41%
FCF Yield	-	-	7.85%	6.36%	15.73%	10.37%
Dividend Yield	2.88%	3.14%	3.00%	3.36%	2.81%	2.46%
Payout Ratio	37.40%	-	46.99%	59.57%	33.79%	27.35%
Buyback Yield / Dilution	-1.28%	-1.28%	-1.83%	-10.27%	-21.20%	-5.83%
Total Shareholder Return	1.59%	1.86%	1.18%	-6.91%	-18.39%	-3.36%

Updated Jan 14, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q