United Community Banks, Inc. (UCB)

United Community Banks Statistics

Total Valuation

UCB has a market cap or net worth of $3.63 billion. The enterprise value is $3.21 billion.

Market Cap	3.63B
Enterprise Value	3.21B

Important Dates

The last earnings date was Wednesday, July 23, 2025, before market open.

Earnings Date	Jul 23, 2025
Ex-Dividend Date	Jun 13, 2025

Share Statistics

UCB has 121.43 million shares outstanding. The number of shares has increased by 0.58% in one year.

Current Share Class	121.43M
Shares Outstanding	121.43M
Shares Change (YoY)	+0.58%
Shares Change (QoQ)	+1.02%
Owned by Insiders (%)	0.48%
Owned by Institutions (%)	84.53%
Float	120.82M

Valuation Ratios

The trailing PE ratio is 13.59 and the forward PE ratio is 10.79.

PE Ratio	13.59
Forward PE	10.79
PS Ratio	3.90
Forward PS	3.31
PB Ratio	1.03
P/TBV Ratio	1.42
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.10
EV / Sales	3.48
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 7.86%.

Return on Equity (ROE)	7.86%
Return on Assets (ROA)	0.99%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$309,834
Profits Per Employee	$89,087
Employee Count	2,979
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, UCB has paid $74.56 million in taxes.

Income Tax	74.56M
Effective Tax Rate	21.43%

Stock Price Statistics

The stock price has decreased by -5.08% in the last 52 weeks. The beta is 0.80, so UCB's price volatility has been lower than the market average.

Beta (5Y)	0.80
52-Week Price Change	-5.08%
50-Day Moving Average	29.94
200-Day Moving Average	30.28
Relative Strength Index (RSI)	41.72
Average Volume (20 Days)	704,412

Short Selling Information

The latest short interest is 2.40 million, so 1.97% of the outstanding shares have been sold short.

Short Interest	2.40M
Short Previous Month	2.56M
Short % of Shares Out	1.97%
Short % of Float	1.98%
Short Ratio (days to cover)	3.56

Income Statement

In the last 12 months, UCB had revenue of $922.99 million and earned $265.39 million in profits. Earnings per share was $2.20.

Revenue	922.99M
Gross Profit	922.99M
Operating Income	390.19M
Pretax Income	231.32M
Net Income	265.39M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.20

Balance Sheet

The company has $574.96 million in cash and $155.14 million in debt, giving a net cash position of $419.81 million or $3.46 per share.

Cash & Cash Equivalents	574.96M
Total Debt	155.14M
Net Cash	419.81M
Net Cash Per Share	$3.46
Equity (Book Value)	3.61B
Book Value Per Share	29.03
Working Capital	-23.70B

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	42.27%
Pretax Margin	37.69%
Profit Margin	29.61%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 3.21%.

Dividend Per Share	$0.96
Dividend Yield	3.21%
Dividend Growth (YoY)	4.35%
Years of Dividend Growth	10
Payout Ratio	43.62%
Buyback Yield	-0.58%
Shareholder Yield	2.56%
Earnings Yield	7.31%
FCF Yield	n/a

Analyst Forecast

The average price target for UCB is $33.83, which is 13.11% higher than the current price. The consensus rating is "Buy".

Price Target	$33.83
Price Target Difference	13.11%
Analyst Consensus	Buy
Analyst Count	7
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