United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $3.86 billion. The enterprise value is $3.41 billion.
Important Dates
The next estimated earnings date is Wednesday, July 22, 2026, before market open.
| Earnings Date | Jul 22, 2026 |
| Ex-Dividend Date | Jun 15, 2026 |
Share Statistics
UCB has 119.69 million shares outstanding. The number of shares has increased by 1.29% in one year.
| Current Share Class | 119.69M |
| Shares Outstanding | 119.69M |
| Shares Change (YoY) | +1.29% |
| Shares Change (QoQ) | -0.91% |
| Owned by Insiders (%) | 0.52% |
| Owned by Institutions (%) | 86.36% |
| Float | 118.98M |
Valuation Ratios
The trailing PE ratio is 11.82 and the forward PE ratio is 10.49.
| PE Ratio | 11.82 |
| Forward PE | 10.49 |
| PS Ratio | 3.68 |
| Forward PS | 3.30 |
| PB Ratio | 1.08 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | 11.90 |
| P/OCF Ratio | 10.88 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.25 |
| EV / Sales | 3.25 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.50 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.52 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.53%.
| Return on Equity (ROE) | 9.53% |
| Return on Assets (ROA) | 1.22% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 8.49% |
| Revenue Per Employee | $336,031 |
| Profits Per Employee | $106,636 |
| Employee Count | 3,118 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UCB has paid $98.64 million in taxes.
| Income Tax | 98.64M |
| Effective Tax Rate | 22.44% |
Stock Price Statistics
The stock price has increased by +13.89% 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 | +13.89% |
| 50-Day Moving Average | 32.94 |
| 200-Day Moving Average | 32.22 |
| Relative Strength Index (RSI) | 44.20 |
| Average Volume (20 Days) | 705,934 |
Short Selling Information
The latest short interest is 3.72 million, so 3.11% of the outstanding shares have been sold short.
| Short Interest | 3.72M |
| Short Previous Month | 3.13M |
| Short % of Shares Out | 3.11% |
| Short % of Float | 3.13% |
| Short Ratio (days to cover) | 4.75 |
Income Statement
In the last 12 months, UCB had revenue of $1.05 billion and earned $332.49 million in profits. Earnings per share was $2.73.
| Revenue | 1.05B |
| Gross Profit | 1.05B |
| Operating Income | 485.56M |
| Pretax Income | 439.61M |
| Net Income | 332.49M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.73 |
Full Income StatementBalance Sheet
The company has $623.42 million in cash and $169.98 million in debt, with a net cash position of $453.44 million or $3.79 per share.
| Cash & Cash Equivalents | 623.42M |
| Total Debt | 169.98M |
| Net Cash | 453.44M |
| Net Cash Per Share | $3.79 |
| Equity (Book Value) | 3.65B |
| Book Value Per Share | 30.54 |
| Working Capital | -23.66B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $354.68 million and capital expenditures -$30.19 million, giving a free cash flow of $324.49 million.
| Operating Cash Flow | 354.68M |
| Capital Expenditures | -30.19M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -135.00M |
| Free Cash Flow | 324.49M |
| FCF Per Share | $2.71 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 46.34% |
| Pretax Margin | 41.96% |
| Profit Margin | 32.54% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 30.97% |
Dividends & Yields
This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 3.10%.
| Dividend Per Share | $1.00 |
| Dividend Yield | 3.10% |
| Dividend Growth (YoY) | 4.17% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 36.64% |
| Buyback Yield | -1.29% |
| Shareholder Yield | 1.75% |
| Earnings Yield | 8.61% |
| FCF Yield | 8.41% |
Dividend DetailsAnalyst Forecast
The average price target for UCB is $38.17, which is 18.36% higher than the current price. The consensus rating is "Buy".
| Price Target | $38.17 |
| Price Target Difference | 18.36% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 |
