United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $4.19 billion. The enterprise value is $4.86 billion.
| Market Cap | 4.19B |
| Enterprise Value | 4.86B |
Important Dates
The next confirmed earnings date is Tuesday, July 21, 2026, before market open.
| Earnings Date | Jul 21, 2026 |
| Ex-Dividend Date | Jun 15, 2026 |
Share Statistics
UCB has 119.76 million shares outstanding. The number of shares has increased by 0.74% in one year.
| Current Share Class | 119.76M |
| Shares Outstanding | 119.76M |
| Shares Change (YoY) | +0.74% |
| Shares Change (QoQ) | -0.23% |
| Owned by Insiders (%) | 0.52% |
| Owned by Institutions (%) | 86.65% |
| Float | 119.05M |
Valuation Ratios
The trailing PE ratio is 11.40 and the forward PE ratio is 11.50.
| PE Ratio | 11.40 |
| Forward PE | 11.50 |
| PS Ratio | 3.81 |
| Forward PS | 3.80 |
| PB Ratio | 1.18 |
| P/TBV Ratio | 1.52 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.11 |
| EV / Sales | 4.38 |
| 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 10.27%.
| Return on Equity (ROE) | 10.27% |
| Return on Assets (ROA) | 1.32% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 6.87% |
| Revenue Per Employee | $355,487 |
| Profits Per Employee | $118,875 |
| Employee Count | 3,118 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UCB has paid $110.40 million in taxes.
| Income Tax | 110.40M |
| Effective Tax Rate | 22.61% |
Stock Price Statistics
The stock price has increased by +13.59% in the last 52 weeks. The beta is 0.83, so UCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.83 |
| 52-Week Price Change | +13.59% |
| 50-Day Moving Average | 34.02 |
| 200-Day Moving Average | 32.60 |
| Relative Strength Index (RSI) | 57.79 |
| Average Volume (20 Days) | 1,035,612 |
Short Selling Information
The latest short interest is 4.49 million, so 3.75% of the outstanding shares have been sold short.
| Short Interest | 4.49M |
| Short Previous Month | 3.82M |
| Short % of Shares Out | 3.75% |
| Short % of Float | 3.77% |
| Short Ratio (days to cover) | 3.74 |
Income Statement
In the last 12 months, UCB had revenue of $1.11 billion and earned $370.65 million in profits. Earnings per share was $3.06.
| Revenue | 1.11B |
| Gross Profit | 1.11B |
| Operating Income | 527.18M |
| Pretax Income | 488.27M |
| Net Income | 370.65M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.06 |
Balance Sheet
The company has $546.47 million in cash and $1.18 billion in debt, with a net cash position of -$634.13 million or -$5.30 per share.
| Cash & Cash Equivalents | 546.47M |
| Total Debt | 1.18B |
| Net Cash | -634.13M |
| Net Cash Per Share | -$5.30 |
| Equity (Book Value) | 3.75B |
| Book Value Per Share | 31.27 |
| Working Capital | -23.89B |
Cash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Margins
| Gross Margin | n/a |
| Operating Margin | 47.56% |
| Pretax Margin | 44.05% |
| Profit Margin | 34.09% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 2.87%.
| Dividend Per Share | $1.00 |
| Dividend Yield | 2.87% |
| Dividend Growth (YoY) | 4.17% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 36.64% |
| Buyback Yield | -0.74% |
| Shareholder Yield | 2.04% |
| Earnings Yield | 8.78% |
| FCF Yield | n/a |
Analyst Forecast
The average price target for UCB is $39.10, which is 11.84% higher than the current price. The consensus rating is "Buy".
| Price Target | $39.10 |
| Price Target Difference | 11.84% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 |