United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $4.30 billion. The enterprise value is $4.96 billion.
| Market Cap | 4.30B |
| Enterprise Value | 4.96B |
Important Dates
The next estimated earnings date is Wednesday, October 21, 2026, before market open.
| Earnings Date | Oct 21, 2026 |
| Ex-Dividend Date | Sep 15, 2026 |
Share Statistics
UCB has 120.58 million shares outstanding. The number of shares has increased by 0.74% in one year.
| Current Share Class | 120.58M |
| Shares Outstanding | 120.58M |
| Shares Change (YoY) | +0.74% |
| Shares Change (QoQ) | -0.23% |
| Owned by Insiders (%) | 0.50% |
| Owned by Institutions (%) | 88.14% |
| Float | 119.92M |
Valuation Ratios
The trailing PE ratio is 11.66 and the forward PE ratio is 11.77. UCB's PEG ratio is 1.96.
| PE Ratio | 11.66 |
| Forward PE | 11.77 |
| PS Ratio | 3.88 |
| Forward PS | 3.86 |
| PB Ratio | 1.14 |
| P/TBV Ratio | 1.54 |
| P/FCF Ratio | 11.90 |
| P/OCF Ratio | 11.06 |
| PEG Ratio | 1.96 |
Enterprise Valuation
| EV / Earnings | 13.37 |
| EV / Sales | 4.47 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.72 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.41 |
| 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) | 6.84% |
| Revenue Per Employee | $352,883 |
| Profits Per Employee | $118,004 |
| Employee Count | 3,141 |
| 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 +8.07% 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 | +8.07% |
| 50-Day Moving Average | 35.60 |
| 200-Day Moving Average | 33.49 |
| Relative Strength Index (RSI) | 52.51 |
| Average Volume (20 Days) | 693,905 |
Short Selling Information
The latest short interest is 4.38 million, so 3.63% of the outstanding shares have been sold short.
| Short Interest | 4.38M |
| Short Previous Month | 4.04M |
| Short % of Shares Out | 3.63% |
| Short % of Float | 3.65% |
| Short Ratio (days to cover) | 4.75 |
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 | 529.52M |
| 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 $573.59 million in cash and $1.23 billion in debt, with a net cash position of -$658.54 million or -$5.46 per share.
| Cash & Cash Equivalents | 573.59M |
| Total Debt | 1.23B |
| Net Cash | -658.54M |
| Net Cash Per Share | -$5.46 |
| Equity (Book Value) | 3.75B |
| Book Value Per Share | 31.27 |
| Working Capital | -22.67B |
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 | $3.00 |
Margins
| Gross Margin | n/a |
| Operating Margin | 47.77% |
| Pretax Margin | 44.05% |
| Profit Margin | 34.09% |
| 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 2.92%.
| Dividend Per Share | $1.04 |
| Dividend Yield | 2.92% |
| Dividend Growth (YoY) | 4.12% |
| Years of Dividend Growth | 11 |
| Payout Ratio | 34.01% |
| Buyback Yield | -0.74% |
| Shareholder Yield | 2.18% |
| Earnings Yield | 8.63% |
| FCF Yield | 8.41% |
Analyst Forecast
The average price target for UCB is $39.17, which is 9.91% higher than the current price. The consensus rating is "Buy".
| Price Target | $39.17 |
| Price Target Difference | 9.91% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 9.21% |
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 |