United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $4.43 billion. The enterprise value is $3.60 billion.
| Market Cap | 4.43B |
| Enterprise Value | 3.60B |
Important Dates
The last earnings date was Tuesday, October 20, 2026, before market open.
| Earnings Date | Oct 20, 2026 |
| Ex-Dividend Date | Sep 15, 2026 |
Share Statistics
UCB has 119.83 million shares outstanding. The number of shares has decreased by -0.05% in one year.
| Current Share Class | 119.83M |
| Shares Outstanding | 119.83M |
| Shares Change (YoY) | -0.05% |
| Shares Change (QoQ) | +0.01% |
| Owned by Insiders (%) | 0.50% |
| Owned by Institutions (%) | 87.27% |
| Float | 119.17M |
Valuation Ratios
The trailing PE ratio is 30.73 and the forward PE ratio is 10.98. UCB's PEG ratio is 1.57.
| PE Ratio | 30.73 |
| Forward PE | 10.98 |
| PS Ratio | 5.42 |
| Forward PS | 3.75 |
| PB Ratio | 1.26 |
| P/TBV Ratio | 1.79 |
| P/FCF Ratio | 12.27 |
| P/OCF Ratio | 11.41 |
| PEG Ratio | 1.57 |
Enterprise Valuation
| EV / Earnings | 24.73 |
| EV / Sales | 4.40 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.96 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.01 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.11 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.13%.
| Return on Equity (ROE) | 4.13% |
| Return on Assets (ROA) | 0.51% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 8.97% |
| Revenue Per Employee | $260,263 |
| Profits Per Employee | $46,302 |
| Employee Count | 3,141 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UCB has paid $39.34 million in taxes.
| Income Tax | 39.34M |
| Effective Tax Rate | 21.15% |
Stock Price Statistics
The stock price has increased by +25.60% in the last 52 weeks. The beta is 0.87, so UCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.87 |
| 52-Week Price Change | +25.60% |
| 50-Day Moving Average | 35.02 |
| 200-Day Moving Average | 34.15 |
| Relative Strength Index (RSI) | 58.76 |
| Average Volume (20 Days) | 1,138,277 |
Short Selling Information
The latest short interest is 5.48 million, so 4.58% of the outstanding shares have been sold short.
| Short Interest | 5.48M |
| Short Previous Month | 5.14M |
| Short % of Shares Out | 4.58% |
| Short % of Float | 4.60% |
| Short Ratio (days to cover) | 5.70 |
Income Statement
In the last 12 months, UCB had revenue of $817.49 million and earned $145.44 million in profits. Earnings per share was $1.20.
| Revenue | 817.49M |
| Gross Profit | 817.49M |
| Operating Income | 223.65M |
| Pretax Income | 185.98M |
| Net Income | 145.44M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.20 |
Balance Sheet
The company has $875.37 million in cash and $39.69 million in debt, with a net cash position of $835.68 million or $6.97 per share.
| Cash & Cash Equivalents | 875.37M |
| Total Debt | 39.69M |
| Net Cash | 835.68M |
| Net Cash Per Share | $6.97 |
| Equity (Book Value) | 3.51B |
| Book Value Per Share | 29.27 |
| Working Capital | -24.42B |
Cash Flow
In the last 12 months, operating cash flow was $388.48 million and capital expenditures -$27.28 million, giving a free cash flow of $361.19 million.
| Operating Cash Flow | 388.48M |
| Capital Expenditures | -27.28M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 1.03B |
| Free Cash Flow | 361.19M |
| FCF Per Share | $3.01 |
Margins
| Gross Margin | n/a |
| Operating Margin | 27.36% |
| Pretax Margin | 22.75% |
| Profit Margin | 17.94% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.59% |
Dividends & Yields
This stock pays an annual dividend of $1.04, which amounts to a dividend yield of 2.81%.
| Dividend Per Share | $1.04 |
| Dividend Yield | 2.81% |
| Dividend Growth (YoY) | 4.12% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 86.40% |
| FCF Payout Ratio | 34.50% |
| Buyback Yield | 0.05% |
| Shareholder Yield | 2.86% |
| Earnings Yield | 3.25% |
| FCF Yield | 8.15% |
Analyst Forecast
The average price target for UCB is $40.88, which is 10.52% higher than the current price. The consensus rating is "Buy".
| Price Target | $40.88 |
| Price Target Difference | 10.52% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | 5.81% |
| EPS Growth Forecast (3Y) | 11.07% |
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 | 4 |