United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $4.26 billion. The enterprise value is $3.81 billion.
| Market Cap | 4.26B |
| Enterprise Value | 3.81B |
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 (%) | 86.37% |
| Float | 118.98M |
Valuation Ratios
The trailing PE ratio is 13.05 and the forward PE ratio is 11.70.
| PE Ratio | 13.05 |
| Forward PE | 11.70 |
| PS Ratio | 4.07 |
| Forward PS | 3.84 |
| PB Ratio | 1.17 |
| P/TBV Ratio | 1.58 |
| P/FCF Ratio | 13.13 |
| P/OCF Ratio | 12.02 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 11.45 |
| EV / Sales | 3.64 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.74 |
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) | 8.53% |
| 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 +22.67% 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 | +22.67% |
| 50-Day Moving Average | 33.37 |
| 200-Day Moving Average | 32.31 |
| Relative Strength Index (RSI) | 66.11 |
| Average Volume (20 Days) | 1,167,107 |
Short Selling Information
The latest short interest is 3.82 million, so 3.19% of the outstanding shares have been sold short.
| Short Interest | 3.82M |
| Short Previous Month | 3.80M |
| Short % of Shares Out | 3.19% |
| Short % of Float | 3.21% |
| Short Ratio (days to cover) | 6.10 |
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 |
Balance 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 | -23.76B |
Cash 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 |
Margins
| 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 2.85%.
| Dividend Per Share | $1.00 |
| Dividend Yield | 2.85% |
| Dividend Growth (YoY) | 4.17% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 36.64% |
| Buyback Yield | -1.29% |
| Shareholder Yield | 1.51% |
| Earnings Yield | 7.80% |
| FCF Yield | 7.61% |
Analyst Forecast
The average price target for UCB is $39.10, which is 9.80% higher than the current price. The consensus rating is "Buy".
| Price Target | $39.10 |
| Price Target Difference | 9.80% |
| 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 | 4 |