United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $3.72 billion. The enterprise value is $3.28 billion.
Important Dates
The last earnings date was Wednesday, October 22, 2025, before market open.
| Earnings Date | Oct 22, 2025 |
| Ex-Dividend Date | Dec 15, 2025 |
Share Statistics
UCB has 121.56 million shares outstanding. The number of shares has increased by 1.01% in one year.
| Current Share Class | 121.56M |
| Shares Outstanding | 121.56M |
| Shares Change (YoY) | +1.01% |
| Shares Change (QoQ) | +0.68% |
| Owned by Insiders (%) | 0.60% |
| Owned by Institutions (%) | 84.26% |
| Float | 120.76M |
Valuation Ratios
The trailing PE ratio is 12.16 and the forward PE ratio is 10.77.
| PE Ratio | 12.16 |
| Forward PE | 10.77 |
| PS Ratio | 3.78 |
| Forward PS | 3.34 |
| PB Ratio | 1.05 |
| P/TBV Ratio | 1.42 |
| P/FCF Ratio | 8.48 |
| P/OCF Ratio | 7.98 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.73 |
| EV / Sales | 3.32 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.48 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.48 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.07%.
| Return on Equity (ROE) | 9.07% |
| Return on Assets (ROA) | 1.14% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $332,019 |
| Profits Per Employee | $102,729 |
| Employee Count | 2,979 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UCB has paid $88.70 million in taxes.
| Income Tax | 88.70M |
| Effective Tax Rate | 21.84% |
Stock Price Statistics
The stock price has decreased by -10.33% in the last 52 weeks. The beta is 0.88, so UCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.88 |
| 52-Week Price Change | -10.33% |
| 50-Day Moving Average | 30.56 |
| 200-Day Moving Average | 29.92 |
| Relative Strength Index (RSI) | 53.96 |
| Average Volume (20 Days) | 683,236 |
Short Selling Information
The latest short interest is 2.60 million, so 2.14% of the outstanding shares have been sold short.
| Short Interest | 2.60M |
| Short Previous Month | 2.27M |
| Short % of Shares Out | 2.14% |
| Short % of Float | 2.16% |
| Short Ratio (days to cover) | 4.00 |
Income Statement
In the last 12 months, UCB had revenue of $989.09 million and earned $306.03 million in profits. Earnings per share was $2.52.
| Revenue | 989.09M |
| Gross Profit | 989.09M |
| Operating Income | 444.30M |
| Pretax Income | 406.14M |
| Net Income | 306.03M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.52 |
Full Income StatementBalance Sheet
The company has $651.86 million in cash and $211.81 million in debt, giving a net cash position of $440.05 million or $3.62 per share.
| Cash & Cash Equivalents | 651.86M |
| Total Debt | 211.81M |
| Net Cash | 440.05M |
| Net Cash Per Share | $3.62 |
| Equity (Book Value) | 3.60B |
| Book Value Per Share | 29.59 |
| Working Capital | -23.64B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $466.66 million and capital expenditures -$27.36 million, giving a free cash flow of $439.30 million.
| Operating Cash Flow | 466.66M |
| Capital Expenditures | -27.36M |
| Free Cash Flow | 439.30M |
| FCF Per Share | $3.61 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 44.92% |
| Pretax Margin | 41.06% |
| Profit Margin | 32.09% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 44.41% |
Dividends & Yields
This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 3.26%.
| Dividend Per Share | $1.00 |
| Dividend Yield | 3.26% |
| Dividend Growth (YoY) | 4.26% |
| Years of Dividend Growth | 10 |
| Payout Ratio | 38.89% |
| Buyback Yield | -1.01% |
| Shareholder Yield | 2.26% |
| Earnings Yield | 8.22% |
| FCF Yield | 11.79% |
Dividend DetailsAnalyst Forecast
The average price target for UCB is $34.60, which is 12.92% higher than the current price. The consensus rating is "Buy".
| Price Target | $34.60 |
| Price Target Difference | 12.92% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |
