United Community Banks, Inc.

United Community Banks, Inc.

30.20
EUR
+0.40
(+1.34%)
2.73EPS
11.33P/E
3.69BMarket Cap
Jan 19Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.67
4.6
5.04
5.61
5.87
6.48
7
7.69
7.81
8.14
7.41
7.76
8.58
8.97
Basic EPS, GAAP
4.44
1.11
1.09
1.4
0.93
2.09
2.33
1.93
2.99
2.54
1.54
2.05
2.67
3.11
Free Cash Flow per Basic Share
3.12
1.56
1.57
1.7
2.54
3.17
1.67
1.69
3.78
5.29
1.88
2.53
2.94
2.98
Dividend per Share
0.19
0.05
0.23
0.22
0.36
0.52
0.67
0.75
0.84
0.88
0.95
0.99
1.02
1.01
Book Value per Share
11.34
12.27
14.11
15.17
16.8
18.4
20.7
22.05
23.79
24.52
26.66
28.01
30.17
31.27
Tangible Book Value per Share
11.28
12.21
12.04
12.97
13.65
14.31
16.37
17.64
18.5
17.18
18.34
20
22.15
23.24
Basic Weighted Avg Shares
59
61
65
72
73
80
80
83
88
107
118
120
121
121
Sales/Revenue/Turnover
275
278
330
403
430
516
558
639
687
868
872
930
1,041
1,087
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
26
20
23
30
27
31
24
-9
-2
47
45
41
46
62
Net Income, GAAP
273
68
72
101
68
166
186
164
270
277
188
252
328
378
Effective Tax Rate (%)
- -
36.85
37.77
38.24
60.76
23.07
22.2
21.66
22.42
22.06
19.35
21.86
22.33
22.61
Profit Margin (%)
99.41
24.29
21.69
24.95
15.76
32.17
33.3
25.66
39.3
31.96
21.51
27.14
31.52
34.77
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
250
400
594
884
625
267
213
327
247
875
325
254
120
821
Total Equity
796
740
1,018
1,076
1,303
1,458
1,636
2,008
2,222
2,701
3,262
3,432
3,639
3,745
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
6.04
5.2
5.64
3.49
8.71
9.95
7.85
11.23
8.95
5.12
6.94
8.81
8.69
Return on Common Equity (%)
49.25
9.5
8.18
9.66
5.7
12.03
12.01
9.05
13.03
11.44
6.26
7.55
9.26
10.35

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
360
LT Borrowings
120
121
821
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
121
120
120
Market Capitalization
3,797
3,735
4,214

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,315
4,068
3,756
Accounts Receivable, Net
84
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
360
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.78%
12.85%
6.02%
Free Cash Flow
26.53%
40.13%
17.76%
Net Income, GAAP
25.25%
19.88%
29.99%
Sales/Revenue/Turnover
12.44%
10.57%
11.93%
Total Cash Common Dividend
24.64%
15.35%
5.52%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
234
240
211
245
930
2025
243
254
271
273
1,041
2026
270
273
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.51
0.54
0.38
0.62
2.05
2025
0.58
0.64
0.71
0.74
2.67
2026
0.7
0.96
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.24
0.25
0.24
0.26
0.99
2025
0.26
0.25
0.25
0.25
1.02
2026
0.25
0.25
- -
- -
- -

Company Description

CEO
Herbert Lynn Harton
Full Time Employees
3,070
Sector
Finance
Industry
Regional banks
Address
200 E Camperdown Way Greenville SC United States 29601
IPO Date
May 16, 2001
Website
ucbi.com
Business
United Community Banks, Inc. (NASDAQ: UCB) operates as a bank holding company for United Community Bank, providing a range of commercial banking products and services to consumers, businesses, and local governments primarily in the southeastern United States. The company offers deposit products including checking accounts, savings accounts, money market accounts, repurchase agreements, certificates of deposit, and individual retirement accounts; loan products such as commercial real estate loans, business loans, agricultural loans, construction and land development loans, single-family residential construction loans, home improvement loans, residential first and second mortgage loans, consumer installment loans, and credit card loans; and additional services comprising wealth management, financial planning, trust services, investment advisory, brokerage services, insurance products including life insurance, annuities, and long-term care insurance, as well as online and mobile banking, treasury management, and capital markets services. Headquartered in Blairsville, Georgia, the company was founded in 1974 and conducts operations through approximately 200 branches across Georgia, North Carolina, South Carolina, Tennessee, Florida, and Virginia, targeting retail, commercial, and small business customers in these markets. In recent developments, United Community Banks, Inc. completed the acquisition of Citizens Holding Company in 2024, expanding its footprint in the southeastern U.S.; announced a strategic partnership with Alloy for enhanced digital identity verification in 2025; and launched new digital banking enhancements including improved mobile app features and expanded treasury management tools to support business growth amid rising interest rates. The company maintains no significant subsidiaries beyond its core banking operations and focuses on community-oriented banking within the regional banking segment.

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