United Community Banks, Inc. Financial Ratios — UCB Stock

Profitability (USD)

	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	93.7	81.71	52.29	27.51	32.09	34.62
Return on Assets (%)	-3.14	0.49	3.84	0.9	0.83	0.99	0.6	1.36	1.46	1.07	1.39	1.23	0.73	0.92	1.18
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	7.48	11.46	9.6	7.17	6.87	7.43	6.39	6	4.3	-1.34	-0.3	5.38	5.16	4.4	4.41
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-81.86	12.28	12.72	38.45	34.86	40.4	40.17	41.81	42.81	32.76	50.66	41.01	26.67	34.73	40.58
Profit Margin (%)	-80.44	11.91	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
Net Income to Common Margin (%)	-84.64	7.64	95.02	24.13	21.67	24.94	15.76	32.17	33.3	25.11	38.3	31.17	20.75	26.46	31.07
Effective Tax Rate (%)	- -	3.01	- -	36.85	37.77	38.24	60.76	23.07	22.2	21.66	22.42	22.06	19.35	21.86	22.33
Dvd Payout Ratio (%)	0.67	-6.67	-0.37	3.85	20.7	15.77	38.65	25.06	28.56	36.69	25.45	32.11	58.09	45.64	36.65
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	59.32	60.92	35.5	11.53	17.45	21.93

Credit (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	263	218	303	400	594	884	625	427	213	327	247	1,034	325	254	120
ST Debt	103	53	53	- -	- -	- -	- -	160	- -	- -	- -	159	- -	- -	- -
LT Debt	161	165	250	400	594	884	625	267	213	327	247	875	325	254	120
Total Debt/EBITDA	12.49	6.68	11.49	20.05	26.22	29.5	22.74	13.79	8.88	-38.08	-119.9	22.13	7.22	6.21	2.62
Net Debt/EBITDA	-5.45	-1.03	2.82	10.39	15.61	22.25	11.31	3.23	-12.63	149.27	990.86	11.17	-15.1	-6.49	-5.99
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-9.64	-9.58	-5.23	-4.33	-2.7	-1.69	-1.11	-0.09	0.92	1.26	2.01	2.56	2.57	3.01	3.7
Long-Term Debt/Equity (%)	27.95	28.37	31.42	54.08	58.33	82.2	47.97	18.33	13	16.29	11.13	32.39	9.96	7.41	3.31
Long-Term Debt/Capital (%)	-74.48	-69.15	690.89	550.34	172.38	125.73	126.85	64.23	64.09	50.54	32.39	50.12	29.18	21.61	10.42
Long-Term Debt/Total Assets (%)	2.3	2.42	3.37	5.29	6.18	8.26	5.25	2.13	1.65	1.84	1.18	3.64	1.19	0.92	0.43
Total Debt/Equity (%)	45.77	37.41	38.11	54.08	58.33	82.2	47.97	29.31	13	16.29	11.13	38.27	9.96	7.41	3.31
Total Debt/Capital (%)	-121.98	-91.19	838.03	550.34	172.38	125.73	126.85	102.69	64.09	50.54	32.39	59.23	29.18	21.61	10.42
Total Debt/Total Assets (%)	3.77	3.2	4.08	5.29	6.18	8.26	5.25	3.4	1.65	1.84	1.18	4.31	1.19	0.92	0.43
Net Debt to Equity	-19.98	-5.79	9.34	28.03	34.72	62	23.86	6.86	-18.5	-63.84	-91.99	19.32	-20.82	-7.74	-7.57
Net Debt/Capital (%)	19.35	6.87	-38.57	-172.82	339.36	137.24	174.09	112.6	164.98	133.27	133.8	42.31	-620.46	-40.5	-36.25
EBITDA	21	33	26	20	23	30	27	31	24	-9	-2	47	45	41	46
EBITDA-CapEx	14	28	18	15	12	13	5	13	3	-27	-29	4	-28	-6	18
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-9.64	-9.58	-5.23	-4.33	-2.7	-1.69	-1.11	-0.09	0.92	1.26	2.01	2.56	2.57	3.01	3.7
Long-Term Debt/Equity (%)	27.95	28.37	31.42	54.08	58.33	82.2	47.97	18.33	13	16.29	11.13	32.39	9.96	7.41	3.31
Long-Term Debt/Capital (%)	-74.48	-69.15	690.89	550.34	172.38	125.73	126.85	64.23	64.09	50.54	32.39	50.12	29.18	21.61	10.42
Long-Term Debt/Total Assets (%)	2.3	2.42	3.37	5.29	6.18	8.26	5.25	2.13	1.65	1.84	1.18	3.64	1.19	0.92	0.43
Total Debt/Equity (%)	45.77	37.41	38.11	54.08	58.33	82.2	47.97	29.31	13	16.29	11.13	38.27	9.96	7.41	3.31
Total Debt/Capital (%)	-121.98	-91.19	838.03	550.34	172.38	125.73	126.85	102.69	64.09	50.54	32.39	59.23	29.18	21.61	10.42
Total Debt/Total Assets (%)	3.77	3.2	4.08	5.29	6.18	8.26	5.25	3.4	1.65	1.84	1.18	4.31	1.19	0.92	0.43
CFO/Total Liabilities	2.37	2.94	2.89	1.45	1.32	1.45	1.96	2.43	1.36	1.01	1.92	2.85	1.22	1.44	1.58
CFO/CapEx	21.07	44.47	23.54	19.64	10.77	8.05	9.37	15.33	7.35	8.6	13.57	14.22	4.06	7.43	13.92
Altman's Z-Score	-0.08	-0.05	0.05	0.07	0.07	0.14	0.13	0.12	0.18	0.14	0.16	0.17	0.15	0.17	0.18

Working Capital (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	12.53	14.44	14.36	14.03	14.38	15	14.23	15.22	16.38	15.92	15.14	14.99	10.86	10.73	12.31
Days Sales Outstanding	29.13	25.27	25.41	26.02	25.38	24.34	25.65	23.99	22.28	22.93	24.1	24.34	33.61	34.03	29.66
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	279	546	1,043	1,148	1,276	2,130	2,061	1,710	2,461	2,366	3,161	3,605	3,441	3,870	3,787
- Cash & Cash Equivalents	378	251	229	193	240	217	314	327	515	1,609	2,292	512	1,004	520	396
+ Preferred Equity and Hybrid Capital	194	195	122	- -	10	- -	- -	- -	- -	96	96	96	88	88	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	263	218	303	400	594	884	625	427	213	327	247	1,034	325	254	120
Enterprise Value	-1,432	-1,127	-593	-428	-652	364	-244	-819	-116	-2,044	-3,284	609	-481	-744	592
Total Capital	-216	-239	36	73	345	703	493	416	332	647	764	1,745	1,113	1,176	1,155
Total Debt/Capital (%)	-121.98	-91.19	838.03	550.34	172.38	125.73	126.85	102.69	64.09	50.54	32.39	59.23	29.18	21.61	10.42
Total Debt / EV	-0.18	-0.19	-0.51	-0.93	-0.91	2.43	-2.56	-0.52	-1.83	-0.16	-0.08	1.7	-0.68	-0.34	0.2
EV/Sales	- -	- -	- -	- -	- -	0.9	- -	- -	- -	- -	- -	0.7	- -	- -	0.57
EV/EBITDA	- -	- -	- -	- -	- -	12.16	- -	- -	- -	- -	- -	13.04	- -	- -	12.89
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	2.6	- -	- -	- -	- -	- -	1	- -	- -	1.54
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	2.32	- -	- -	- -	- -	- -	0.94	- -	- -	1.44
Diluted Market Cap	279	546	1,044	1,148	1,276	2,130	2,062	1,710	2,461	2,368	3,166	3,609	3,445	3,874	3,791
Diluted Enterprise Value	358	708	1,240	1,355	1,640	2,797	2,372	1,810	2,159	1,182	1,218	4,227	2,854	3,697	3,516
EV per Share	- -	- -	- -	- -	- -	5.07	- -	- -	- -	- -	- -	5.71	- -	- -	4.88
TTM Sales	282	284	275	278	330	403	430	516	558	639	687	868	872	930	1,041
TTM EBITDA	21	33	26	20	23	30	27	31	24	-9	-2	47	45	41	46
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	152	183	192	99	113	140	208	270	154	159	359	607	294	350	384
TTM Free Cash Flow to Firm	159	187	200	104	124	157	230	288	175	177	386	650	366	397	412

Multiples (USD)

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	2011 Y	2012 Y	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
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	1.75	2.92	5.23	11	10.3	13.54	8.96	5.94	14.07	13.37	8.21	5.55	9.4	9.76	9.21
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-1,432	-1,127	-593	-428	-652	364	-244	-819	-116	-2,044	-3,284	609	-481	-744	592
Low Price	5.95	6.12	9.59	14.86	16.48	15.74	24.47	20.23	21.19	14.95	26.97	27.85	20.37	24.04	22.93
EV/Sales	- -	- -	- -	- -	- -	0.9	- -	- -	- -	- -	- -	0.7	- -	- -	0.57
EV/EBITDA	- -	- -	- -	- -	- -	12.16	- -	- -	- -	- -	- -	13.04	- -	- -	12.89
Price/Earnings	- -	25.16	4	17.08	17.85	21.17	30.39	10.29	13.25	14.73	12.02	13.32	19.02	15.73	11.71
Price/Earnings Average	-1.55	22.54	3	15.51	17.97	14.65	29.81	14.25	11.91	11.2	10.99	13.51	17.72	13.68	11.4
Price/Earnings High	-2.45	27.45	4.18	18.29	20.36	21.59	32.91	16.39	13.59	16.07	12.46	15.57	22.91	17.22	12.97
Price/Earnings Low	-1	16.31	2.16	13.4	15.09	11.25	26.43	9.7	9.09	7.75	9.02	10.98	13.24	11.7	8.6
Price/Book Value	-0.41	-0.84	-2.68	-3.51	-4.92	-11.77	-15.58	-152.84	20.65	10.58	7.53	5.86	4.91	4.64	3.66
Price/Book Value Average	-0.55	-0.75	-2.01	-3.18	-4.96	-8.14	-15.28	-211.61	18.56	8.05	6.88	5.94	4.58	4.04	3.56
Price/Book Value High	-0.87	-0.91	-2.81	-3.75	-5.61	-12.01	-16.87	-243.44	21.17	11.54	7.8	6.85	5.92	5.08	4.05
Price/Book Value Low	-0.35	-0.54	-1.45	-2.75	-4.16	-6.25	-13.55	-144.08	14.17	5.56	5.65	4.83	3.42	3.45	2.69
Price/Tangible Book Value	0.75	1.44	1.56	1.56	1.48	2.32	1.95	1.51	1.9	1.55	1.91	1.98	1.58	1.62	1.42
Price/Tangible Book Value Average	0.99	1.29	1.17	1.42	1.49	1.6	1.91	2.09	1.71	1.18	1.75	2	1.47	1.41	1.38
Price/Tangible Book Value High	1.57	1.57	1.63	1.67	1.69	2.36	2.11	2.4	1.95	1.69	1.98	2.31	1.9	1.78	1.57
Price/Tangible Book Value Low	0.64	0.93	0.84	1.22	1.25	1.23	1.69	1.42	1.31	0.81	1.43	1.63	1.1	1.21	1.04
Price/Sales	0.99	1.92	3.8	4.12	3.87	5.28	4.79	3.31	4.41	3.7	4.6	4.15	3.95	4.16	3.64
Price/Sales Average	1.31	1.72	2.85	3.74	3.9	3.65	4.7	4.58	3.97	2.81	4.21	4.21	3.68	3.62	3.54
Price/Sales High	2.08	2.1	3.97	4.41	4.41	5.39	5.19	5.27	4.52	4.04	4.77	4.85	4.75	4.56	4.03
Price/Sales Low	0.84	1.25	2.05	3.23	3.27	2.81	4.17	3.12	3.03	1.95	3.45	3.42	2.75	3.1	2.67
Price/Cash Flow	1.84	2.98	5.44	11.56	11.25	15.22	9.91	6.33	15.99	14.91	8.8	5.94	11.71	11.07	9.86
Price/Cash Flow Average	2.43	2.67	4.08	10.49	11.33	10.53	9.72	8.77	14.37	11.33	8.04	6.02	10.9	9.63	9.6
Price/Cash Flow High	3.85	3.26	5.69	12.38	12.83	15.53	10.73	10.08	16.39	16.26	9.11	6.94	14.1	12.12	10.92
Price/Cash Flow Low	1.56	1.93	2.94	9.07	9.51	8.09	8.62	5.97	10.97	7.84	6.6	4.89	8.15	8.23	7.24
Price/Free Cash Flow Average	2.32	2.61	3.92	9.99	10.37	9.37	8.79	8.23	12.65	10.16	7.5	5.63	8.76	8.49	8.97
Price/Free Cash Flow High	3.68	3.18	5.47	11.78	11.74	13.82	9.7	9.47	14.43	14.58	8.5	6.49	11.33	10.69	10.2
Price/Free Cash Flow Low	1.49	1.89	2.82	8.63	8.71	7.2	7.79	5.6	9.66	7.03	6.16	4.57	6.55	7.26	6.76
EV/Sales Average	1.59	2.29	3.56	4.49	5	5.31	5.42	4.78	3.42	0.96	1.37	4.92	3	3.43	3.28
EV/Sales High	2.36	2.67	4.68	5.16	5.51	7.04	5.91	5.47	3.98	2.18	1.93	5.57	4.08	4.37	3.76
EV/Sales Low	1.12	1.82	2.77	3.98	4.37	4.46	4.89	3.31	2.49	0.09	0.62	4.13	2.07	2.91	2.41
EV/EBITDA Average	21.24	20	37.09	62.61	72.8	71.42	84.84	79.65	79.71	-71.43	-456.16	91.53	58.14	77.91	74.25
EV/EBITDA High	31.5	23.27	48.77	71.98	80.32	94.75	92.48	91.14	92.72	-162.49	-643.31	103.45	79.06	99.21	85.27
EV/EBITDA Low	15.02	15.84	28.79	55.52	63.7	60.01	76.5	55.26	57.88	-6.8	-205.53	76.85	40.14	66.02	54.54
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.99	9.44	17.75	18.94	19.49	29.62	28.14	21.46	30.88	28.44	35.94	33.8	29.26	32.31	31.22
High Price	14.65	10.3	18.56	20.28	22.23	30.22	30.47	34.18	31.66	31.02	37.24	39.5	35.25	35.38	34.57
Enterprise Value Average	448	651	979	1,249	1,649	2,141	2,333	2,467	1,909	613	941	4,274	2,614	3,189	3,412
Enterprise Value High	664	758	1,287	1,436	1,819	2,840	2,543	2,823	2,221	1,395	1,327	4,831	3,555	4,060	3,918
Enterprise Value Low	317	516	760	1,108	1,443	1,799	2,103	1,711	1,386	58	424	3,589	1,805	2,702	2,506

Shares Outstanding	58	58	59	60	71	71	78	79	79	87	89	106	119	119	121
Diluted Weighted Avg Shares	40	58	59	61	65	72	73	80	80	83	88	107	118	120	121
Basic Weighted Avg Shares	40	58	59	61	65	72	73	80	80	83	88	107	118	120	121
Revenue per Share	7.06	4.91	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
EBITDA per Share	0.53	0.56	0.45	0.33	0.35	0.42	0.38	0.39	0.3	-0.1	-0.02	0.44	0.38	0.34	0.38
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-5.97	0.38	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
Basic EPS from Cont Ops	-5.68	0.59	4.65	1.12	1.09	1.4	0.93	2.09	2.33	1.97	3.07	2.6	1.59	2.11	2.7
Diluted EPS, GAAP	-5.97	0.38	4.44	1.11	1.09	1.4	0.93	2.08	2.33	1.93	2.98	2.53	1.54	2.05	2.66
Diluted EPS from Cont Ops	-5.68	0.59	4.64	1.12	1.09	1.4	0.93	2.08	2.33	1.97	3.06	2.6	1.59	2.11	2.7
Dividend per Share	0.26	0.18	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
Cash Flow per Share	3.8	3.16	3.26	1.64	1.73	1.95	2.84	3.39	1.93	1.91	4.09	5.69	2.5	2.92	3.17
Free Cash Flow per Basic Share	3.62	3.09	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
Cash & Equivalents per Share	54.29	36.05	35.06	32.6	38.66	36.85	40	37.1	35	58.1	77.19	38.69	36.86	41.38	27.33
Book Value per Share	-16.86	-11.26	-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
Tangible Book Value per Share	9.34	6.58	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

United Community Banks, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)