United Community Banks, Inc. (UCB)

United Community Banks Statistics

Total Valuation

UCB has a market cap or net worth of $4.13 billion. The enterprise value is $3.96 billion.

Market Cap	4.13B
Enterprise Value	3.96B

Important Dates

The last earnings date was Wednesday, January 14, 2026, before market open.

Earnings Date	Jan 14, 2026
Ex-Dividend Date	Dec 15, 2025

Share Statistics

UCB has 120.60 million shares outstanding. The number of shares has increased by 1.28% in one year.

Current Share Class	120.60M
Shares Outstanding	120.60M
Shares Change (YoY)	+1.28%
Shares Change (QoQ)	-0.34%
Owned by Insiders (%)	0.59%
Owned by Institutions (%)	84.67%
Float	119.81M

Valuation Ratios

The trailing PE ratio is 13.06 and the forward PE ratio is 11.49.

PE Ratio	13.06
Forward PE	11.49
PS Ratio	4.09
Forward PS	3.63
PB Ratio	1.13
P/TBV Ratio	1.55
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.43
EV / Sales	3.90
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 9.28%.

Return on Equity (ROE)	9.28%
Return on Assets (ROA)	1.18%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	8.35%
Revenue Per Employee	$331,702
Profits Per Employee	$104,049
Employee Count	3,058
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UCB has paid $94.32 million in taxes.

Income Tax	94.32M
Effective Tax Rate	22.33%

Stock Price Statistics

The stock price has increased by +2.09% in the last 52 weeks. The beta is 0.84, so UCB's price volatility has been lower than the market average.

Beta (5Y)	0.84
52-Week Price Change	+2.09%
50-Day Moving Average	32.07
200-Day Moving Average	30.60
Relative Strength Index (RSI)	59.98
Average Volume (20 Days)	970,567

Short Selling Information

The latest short interest is 2.82 million, so 2.34% of the outstanding shares have been sold short.

Short Interest	2.82M
Short Previous Month	2.66M
Short % of Shares Out	2.34%
Short % of Float	2.36%
Short Ratio (days to cover)	4.24

Income Statement

In the last 12 months, UCB had revenue of $1.01 billion and earned $318.18 million in profits. Earnings per share was $2.62.

Revenue	1.01B
Gross Profit	1.01B
Operating Income	464.68M
Pretax Income	422.41M
Net Income	318.18M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.62

Balance Sheet

The company has $431.07 million in cash and $258.40 million in debt, with a net cash position of $172.67 million or $1.43 per share.

Cash & Cash Equivalents	431.07M
Total Debt	258.40M
Net Cash	172.67M
Net Cash Per Share	$1.43
Equity (Book Value)	3.64B
Book Value Per Share	30.17
Working Capital	-23.69B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	45.81%
Pretax Margin	41.64%
Profit Margin	32.35%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 2.92%.

Dividend Per Share	$1.00
Dividend Yield	2.92%
Dividend Growth (YoY)	4.26%
Years of Dividend Growth	11
Payout Ratio	37.40%
Buyback Yield	-1.28%
Shareholder Yield	1.64%
Earnings Yield	7.71%
FCF Yield	n/a

Analyst Forecast

The average price target for UCB is $36.20, which is 5.76% higher than the current price. The consensus rating is "Buy".

Price Target	$36.20
Price Target Difference	5.76%
Analyst Consensus	Buy
Analyst Count	6
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 20, 2011. It was a reverse split with a ratio of 1:5.

Last Split Date	Jun 20, 2011
Split Type	Reverse
Split Ratio	1:5

Scores

Altman Z-Score	n/a
Piotroski F-Score	2