United Community Banks, Inc. (UCB)

NYSE: UCB · Real-Time Price · USD

36.14

+0.31 (0.87%)

At close: Aug 4, 2026, 4:00 PM EDT

37.25

+1.11 (3.07%)

Pre-market: Aug 5, 2026, 5:29 AM EDT

United Community Banks Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,110	1,014	901.17	803.82	826.15	744.4
Revenue Growth	20.28%	12.56%	12.11%	-2.70%	10.98%	28.92%
Net Income	370.65	318.18	244.63	180.85	269.14	261.27
Earnings Per Share	3.05	2.62	2.04	1.54	2.52	2.97
EPS Growth	38.64%	28.43%	32.47%	-38.89%	-15.15%	55.50%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	455.1	395.75	519.87	1,004	646.85	2,319
Total Debt	20.6	120.4	254.15	324.82	324.66	247.36
Net Cash (Debt)	-20.6	-120.4	-254.15	-324.82	-324.66	-247.36
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-0.17	-0.99	-2.12	-2.76	-3.04	-2.81

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	354.68	384.04	349.73	293.97	607.31	359.32
Capital Expenditures	-30.19	-27.58	-47.04	-72.49	-42.7	-26.48
Free Cash Flow	324.49	356.46	302.69	221.49	564.6	332.84
Free Cash Flow Growth	0.80%	17.76%	36.66%	-60.77%	69.63%	137.37%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	43.98%	41.64%	35.84%	28.93%	43.09%	46.72%
Profit Margin	34.04%	32.35%	28.01%	23.33%	33.59%	36.24%
FCF Margin	0.00%	35.14%	33.59%	27.55%	68.34%	44.71%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.000	0.980	0.940	0.920	0.860	0.780
Dividend Per Share Growth	4.17%	4.25%	2.17%	6.98%	10.26%	8.33%
Dividend Yield	2.77%	3.13%	2.90%	3.05%	2.41%	2.12%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.82	11.92	15.84	19.00	13.41	12.10
Forward PE	11.98	10.95	14.40	13.81	10.12	13.71
P/FCF Ratio	13.34	10.56	12.74	15.72	6.36	9.65
PS Ratio	3.90	3.71	4.28	4.33	4.35	4.31