United Community Banks, Inc. (UCB)

NYSE: UCB · Real-Time Price · USD

37.64

+0.91 (2.48%)

At close: Nov 2, 2026, 4:00 PM EST

37.69

+0.05 (0.13%)

After-hours: Nov 2, 2026, 4:12 PM EST

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	Sep '26 Sep 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	817.49	1,014	901.17	803.82	826.15	744.4
Revenue Growth	-17.35%	12.56%	12.11%	-2.70%	10.98%	28.92%
Net Income	145.44	318.18	244.63	180.85	269.14	261.27
Earnings Per Share	1.20	2.62	2.04	1.54	2.52	2.97
EPS Growth	-52.23%	28.43%	32.66%	-38.98%	-15.15%	55.50%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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 & Investments	875.37	431.07	566.76	1,054	697.49	2,361
Total Debt	39.69	296.76	572.15	453.78	1,175	303.58
Net Cash (Debt)	835.68	134.31	-5.39	600.45	-477.34	2,057
Net Cash Growth	89.91%	-	-	-	-	57.51%
Net Cash Per Share	6.91	1.11	-0.04	5.10	-4.47	23.35

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Operating Cash Flow	-	384.04	349.73	293.97	607.31	359.32
Capital Expenditures	-	-27.58	-47.04	-72.49	-42.7	-26.48
Free Cash Flow	-	356.46	302.69	221.49	564.6	332.84
Free Cash Flow Growth	-	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	Sep '26 Sep 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
Profit Margin	17.79%	31.37%	27.15%	22.50%	32.58%	35.10%
FCF Margin	-	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	Nov '26 Nov 2, 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	1.040	0.980	0.940	0.920	0.860	0.780
Dividend Per Share Growth	4.12%	4.25%	2.17%	6.98%	10.26%	8.33%
Dividend Yield	2.76%	3.11%	2.91%	3.15%	2.54%	2.17%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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	31.27	11.93	15.76	19.25	13.34	12.28
Forward PE	11.17	10.95	14.40	13.81	10.12	13.71
P/FCF Ratio	12.49	10.65	12.73	15.72	6.36	9.64
PS Ratio	5.52	3.74	4.28	4.33	4.35	4.31