United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $3.69 billion. The enterprise value is $3.55 billion.
Important Dates
The next confirmed earnings date is Tuesday, April 21, 2026, before market open.
| Earnings Date | Apr 21, 2026 |
| Ex-Dividend Date | Mar 13, 2026 |
Share Statistics
UCB has 119.61 million shares outstanding. The number of shares has increased by 1.28% in one year.
| Current Share Class | 119.61M |
| Shares Outstanding | 119.61M |
| Shares Change (YoY) | +1.28% |
| Shares Change (QoQ) | -0.34% |
| Owned by Insiders (%) | 0.63% |
| Owned by Institutions (%) | 85.95% |
| Float | 118.78M |
Valuation Ratios
The trailing PE ratio is 11.77 and the forward PE ratio is 10.32.
| PE Ratio | 11.77 |
| Forward PE | 10.32 |
| PS Ratio | 3.64 |
| Forward PS | 3.22 |
| PB Ratio | 1.02 |
| P/TBV Ratio | 1.38 |
| P/FCF Ratio | 10.35 |
| P/OCF Ratio | 9.61 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 11.17 |
| EV / Sales | 3.50 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.97 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.83 |
| 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) | 8.27% |
| Revenue Per Employee | $330,406 |
| Profits Per Employee | $103,643 |
| Employee Count | 3,070 |
| 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 +10.94% in the last 52 weeks. The beta is 0.85, so UCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.85 |
| 52-Week Price Change | +10.94% |
| 50-Day Moving Average | 32.99 |
| 200-Day Moving Average | 31.61 |
| Relative Strength Index (RSI) | 42.72 |
| Average Volume (20 Days) | 889,666 |
Short Selling Information
The latest short interest is 3.26 million, so 2.73% of the outstanding shares have been sold short.
| Short Interest | 3.26M |
| Short Previous Month | 3.43M |
| Short % of Shares Out | 2.73% |
| Short % of Float | 2.75% |
| Short Ratio (days to cover) | 3.74 |
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 |
Full Income StatementBalance Sheet
The company has $431.07 million in cash and $296.76 million in debt, with a net cash position of $134.31 million or $1.12 per share.
| Cash & Cash Equivalents | 431.07M |
| Total Debt | 296.76M |
| Net Cash | 134.31M |
| Net Cash Per Share | $1.12 |
| Equity (Book Value) | 3.64B |
| Book Value Per Share | 30.17 |
| Working Capital | -23.64B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $384.04 million and capital expenditures -$27.58 million, giving a free cash flow of $356.46 million.
| Operating Cash Flow | 384.04M |
| Capital Expenditures | -27.58M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -245.00M |
| Free Cash Flow | 356.46M |
| FCF Per Share | $2.98 |
Full Cash Flow StatementMargins
| 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 | 35.14% |
Dividends & Yields
This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 3.24%.
| Dividend Per Share | $1.00 |
| Dividend Yield | 3.24% |
| Dividend Growth (YoY) | 4.21% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 37.79% |
| Buyback Yield | -1.28% |
| Shareholder Yield | 1.96% |
| Earnings Yield | 8.63% |
| FCF Yield | 9.66% |
Dividend DetailsAnalyst Forecast
The average price target for UCB is $38.00, which is 23.22% higher than the current price. The consensus rating is "Buy".
| Price Target | $38.00 |
| Price Target Difference | 23.22% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| 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 |
