United Community Banks, Inc. (UCB)

United Community Banks Statistics

Total Valuation

UCB has a market cap or net worth of $3.99 billion. The enterprise value is $3.55 billion.

Market Cap	3.99B
Enterprise Value	3.55B

Important Dates

The last earnings date was Tuesday, April 21, 2026, before market open.

Earnings Date	Apr 21, 2026
Ex-Dividend Date	Mar 13, 2026

Share Statistics

UCB has 119.68 million shares outstanding. The number of shares has increased by 1.29% in one year.

Current Share Class	119.68M
Shares Outstanding	119.68M
Shares Change (YoY)	+1.29%
Shares Change (QoQ)	-0.91%
Owned by Insiders (%)	0.48%
Owned by Institutions (%)	86.80%
Float	119.03M

Valuation Ratios

The trailing PE ratio is 12.34 and the forward PE ratio is 11.10.

PE Ratio	12.34
Forward PE	11.10
PS Ratio	3.85
Forward PS	3.47
PB Ratio	1.10
P/TBV Ratio	1.50
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.69
EV / Sales	3.39
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 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)	8.59%
Revenue Per Employee	$341,285
Profits Per Employee	$108,303
Employee Count	3,070
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 +25.08% 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	+25.08%
50-Day Moving Average	32.42
200-Day Moving Average	31.94
Relative Strength Index (RSI)	53.40
Average Volume (20 Days)	913,023

Short Selling Information

The latest short interest is 3.48 million, so 2.90% of the outstanding shares have been sold short.

Short Interest	3.48M
Short Previous Month	3.44M
Short % of Shares Out	2.90%
Short % of Float	2.92%
Short Ratio (days to cover)	3.83

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	478.86M
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 $596.53 million in cash and $120.50 million in debt, with a net cash position of $476.03 million or $3.98 per share.

Cash & Cash Equivalents	596.53M
Total Debt	120.50M
Net Cash	476.03M
Net Cash Per Share	$3.98
Equity (Book Value)	3.65B
Book Value Per Share	30.54
Working Capital	-23.76B

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	45.70%
Pretax Margin	41.96%
Profit Margin	32.54%
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 2.97%.

Dividend Per Share	$1.00
Dividend Yield	2.97%
Dividend Growth (YoY)	4.21%
Years of Dividend Growth	11
Payout Ratio	36.28%
Buyback Yield	-1.29%
Shareholder Yield	1.68%
Earnings Yield	8.25%
FCF Yield	n/a

Analyst Forecast

The average price target for UCB is $38.50, which is 15.37% higher than the current price. The consensus rating is "Buy".

Price Target	$38.50
Price Target Difference	15.37%
Analyst Consensus	Buy
Analyst Count	5
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