United Community Banks, Inc.

United Community Banks, Inc.

UCB
United Community Banks, Inc.US flagNew York Stock Exchange
32.30
USD
-0.58
- -
3.87BMarket Cap
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
8.8
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
2.78
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
2.67
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
-6.61
-5.4
-3.96
-2.52
-1.81
-0.14
1.5
2.69
4.78
5.77
5.95
6.96
8.53
8.96
Tangible Book Value per Share
11.41
12.15
13.15
12.79
14.46
14.23
16.23
18.38
18.8
17.11
18.56
19.93
22.02
22.15
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
1,068
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
26
20
23
30
27
31
24
-9
-2
47
45
41
46
54
Net Income, GAAP
273
68
72
101
68
166
186
164
270
277
188
252
328
341
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
22.44
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
31.91
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
250
400
594
884
625
267
213
327
247
875
325
254
120
120
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
3,655
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -
93.7
81.71
52.29
27.51
32.09
34.62
34.43

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
155
120
120
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
122
121
120
Market Capitalization
3,789
3,787
3,823

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,503
3,315
4,068
Accounts Receivable, Net
- -
84
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

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
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

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
- -
- -
- -
- -

Company Description

APIChat
CEO
Herbert Lynn Harton
Full Time Employees
2,982
Sector
Financial Services
Industry
Banks - Regional
Address
125 Highway 515 East Blairsville GA United States of America 30512
IPO Date
Jan 4, 2000
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.

Company News

APIChat
  • United Community Banks, Inc. Announces Quarterly Cash Dividend on Common Stock

  • UCB to Buy Candid Therapeutics for Up to $2.2 Billion

  • United Community Chief Financial Officer Jefferson Harralson to Retire After Nearly a Decade of Dedicated Service

  • United Community Banks: Q1 Earnings And New Acquisition Are Not Quite Enough

  • United Community Banks, Inc. (UCB) Q1 2026 Earnings Call Transcript

  • Here's What Key Metrics Tell Us About United Community Banks (UCB) Q1 Earnings

  • United Community Banks (UCB) Q1 Earnings and Revenues Miss Estimates

  • United Community Banks, Inc. and Peach State Bancshares, Inc., The Parent of Peach State Bank & Trust, Announce Merger Agreement

  • United Community Banks, Inc. Reports First Quarter Earnings

  • United Community Banks (UCB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

  • Why United Community Banks (UCB) is a Great Dividend Stock Right Now

  • SG Americas Securities LLC Increases Stock Holdings in United Community Banks, Inc. $UCB

  • United Community Banks, Inc. Announces Date for First Quarter 2026 Earnings Release and Conference Call

  • United Community Earns 12th JD Power Award in 17 Years, Ranked #1 for Retail Banking Customer Satisfaction in the Southeast Region

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  • Why United Community Banks (UCB) is a Top Dividend Stock for Your Portfolio

  • United Community Banks (UCB) is a Top Dividend Stock Right Now: Should You Buy?

  • National Bank (NYSE:NBHC) vs. United Community Banks (NYSE:UCB) Financial Survey

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  • United Community Banks, Inc. Announces Quarterly Cash Dividend on Common Stock