United Community Banks, Inc. (UCB)

United Community Banks Statistics

Total Valuation

UCB has a market cap or net worth of $3.58 billion. The enterprise value is $3.22 billion.

Market Cap	3.58B
Enterprise Value	3.22B

Important Dates

The last earnings date was Tuesday, April 22, 2025, before market open.

Earnings Date	Apr 22, 2025
Ex-Dividend Date	Jun 13, 2025

Share Statistics

UCB has 121.50 million shares outstanding. The number of shares has increased by 1.06% in one year.

Current Share Class	121.50M
Shares Outstanding	121.50M
Shares Change (YoY)	+1.06%
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	0.48%
Owned by Institutions (%)	84.27%
Float	120.88M

Valuation Ratios

The trailing PE ratio is 13.95 and the forward PE ratio is 11.51.

PE Ratio	13.95
Forward PE	11.51
PS Ratio	3.89
Forward PS	3.32
PB Ratio	1.03
P/TBV Ratio	1.45
P/FCF Ratio	11.11
P/OCF Ratio	9.95
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.71
EV / Sales	3.55
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	10.00

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.00
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.68%.

Return on Equity (ROE)	7.68%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$304,664
Profits Per Employee	$85,043
Employee Count	2,979
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UCB has paid $72.15 million in taxes.

Income Tax	72.15M
Effective Tax Rate	21.65%

Stock Price Statistics

The stock price has increased by +9.20% in the last 52 weeks. The beta is 0.77, so UCB's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+9.20%
50-Day Moving Average	27.40
200-Day Moving Average	30.03
Relative Strength Index (RSI)	62.64
Average Volume (20 Days)	605,555

Short Selling Information

The latest short interest is 2.39 million, so 1.97% of the outstanding shares have been sold short.

Short Interest	2.39M
Short Previous Month	2.81M
Short % of Shares Out	1.97%
Short % of Float	1.98%
Short Ratio (days to cover)	2.26

Income Statement

In the last 12 months, UCB had revenue of $907.59 million and earned $253.34 million in profits. Earnings per share was $2.11.

Revenue	907.59M
Gross Profit	907.59M
Operating Income	373.21M
Pretax Income	231.32M
Net Income	253.34M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.11

Balance Sheet

The company has $678.61 million in cash and $320.53 million in debt, giving a net cash position of $358.08 million or $2.95 per share.

Cash & Cash Equivalents	678.61M
Total Debt	320.53M
Net Cash	358.08M
Net Cash Per Share	$2.95
Equity (Book Value)	3.50B
Book Value Per Share	28.55
Working Capital	-23.33B

Cash Flow

In the last 12 months, operating cash flow was $359.56 million and capital expenditures -$37.65 million, giving a free cash flow of $321.91 million.

Operating Cash Flow	359.56M
Capital Expenditures	-37.65M
Free Cash Flow	321.91M
FCF Per Share	$2.65

Margins

Gross Margin	n/a
Operating Margin	41.12%
Pretax Margin	36.73%
Profit Margin	28.78%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	35.47%

Dividends & Yields

This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 3.26%.

Dividend Per Share	$0.96
Dividend Yield	3.26%
Dividend Growth (YoY)	4.35%
Years of Dividend Growth	10
Payout Ratio	45.50%
Buyback Yield	-1.06%
Shareholder Yield	2.20%
Earnings Yield	7.08%
FCF Yield	9.00%

Analyst Forecast

The average price target for UCB is $33.00, which is 12.09% higher than the current price. The consensus rating is "Hold".

Price Target	$33.00
Price Target Difference	12.09%
Analyst Consensus	Hold
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on June 20, 2011. It was a reverse split with a ratio of 0.2:1.

Last Split Date	Jun 20, 2011
Split Type	Reverse
Split Ratio	0.2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4