UCB
United Community Banks, Inc.
Price Chart
Latest Quote
$32.56
-0.75 (-2.25%)
Current Price
| Previous Close | $33.31 |
| Open | $32.99 |
| Day High | $33.34 |
| Day Low | $32.16 |
| Volume | 1,030,181 |
Stock Information
| Shares Outstanding | 119.76M |
| Total Debt | $169.98M |
| Cash Equivalents | $623.41M |
| Revenue | $1.05B |
| Net Income | $332.49M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $3.90B |
| P/E Ratio | 11.93 |
| EPS (TTM) | $2.73 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $3.53B |
| Sales | $1.05B |
| Income | $332.49M |
| Book/sh | $30.54 |
| Cash/sh | $5.21 |
| Employees | 3K |
Financial Ratios
| EPS Growth TTM | 18.00% |
Returns & Margins
| ROA | 1.22% |
| ROE | 9.53% |
| Operating Margin | 45.65% |
| Profit Margin | 32.54% |
Ownership
| Insider Ownership | 0.45% |
| Institutional Ownership | 88.27% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.92 |
| PEG | 1.67 |
| P/S | 3.72 |
| P/B | 1.07 |
Analyst Data
| Recommendation | buy |
| Target Price | $38.42 |
Technical Indicators
| SMA20 | $33.09 |
| SMA50 | $33.11 |
| SMA200 | $31.78 |
| RSI | 47.62 |
| ATR | 0.7871 |
| Shares Float | 118.98M |
| Short Float | 4.31% |
| Short Ratio | 6.10 |
| Volatility | 0.84 |
| Rel Volume | 1.15 |
Performance History
| Week | -3.45% |
| Month | +0.67% |
| Quarter | +10.39% |
| 6 Months | +2.45% |
| YTD | +5.15% |
| Year | +20.38% |
| 3 Years | +37.99% |
| 5 Years | +13.65% |
| 10 Years | +125.16% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $32.56 | 1,030,181 |
| 2026-06-16 | $33.31 | 994,300 |
| 2026-06-15 | $33.45 | 1,043,400 |
| 2026-06-12 | $34.38 | 966,400 |
| 2026-06-11 | $34.02 | 1,196,200 |
| 2026-06-10 | $33.72 | 686,900 |
| 2026-06-09 | $33.50 | 873,000 |
| 2026-06-08 | $33.02 | 1,071,800 |
| 2026-06-05 | $33.10 | 638,700 |
| 2026-06-04 | $32.98 | 773,100 |
| 2026-06-03 | $32.02 | 952,800 |
| 2026-06-02 | $32.64 | 1,992,300 |
| 2026-06-01 | $32.08 | 1,187,400 |
| 2026-05-29 | $32.71 | 849,100 |
| 2026-05-28 | $32.86 | 538,700 |
| 2026-05-27 | $33.06 | 565,000 |
| 2026-05-26 | $33.36 | 748,900 |
| 2026-05-22 | $32.98 | 549,200 |
| 2026-05-21 | $33.04 | 572,900 |
| 2026-05-20 | $33.06 | 745,400 |
| 2026-05-19 | $32.24 | 491,300 |
| 2026-05-18 | $32.34 | 462,600 |
About United Community Banks, Inc.
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
đ° Latest News
Is It Smart To Buy United Community Banks, Inc. (NYSE:UCB) Before It Goes Ex-Dividend?
Simply Wall St. âĸ 2026-06-11T12:57:34Z
3 Leading Dividend Stocks With Yields Up To 4.6%
Simply Wall St. âĸ 2026-05-29T11:32:06Z
Regional Banks Stocks Q1 Highlights: United Community Banks (NYSE:UCB)
StockStory âĸ 2026-05-20T03:56:55Z
3 Reasons to Avoid UCB and 1 Stock to Buy Instead
StockStory âĸ 2026-05-20T02:52:55Z
1 Stock Under $50 with Exciting Potential and 2 That Underwhelm
StockStory âĸ 2026-05-03T14:52:55Z
Discover Citizens Financial Services And Two More Top Dividend Stocks
Simply Wall St. âĸ 2026-04-30T11:31:43Z
The 5 Most Interesting Analyst Questions From United Community Banksâs Q1 Earnings Call
StockStory âĸ 2026-04-28T21:48:55Z
How Rising Earnings and Share Buybacks Will Impact United Community Banks (UCB) Investors
Simply Wall St. âĸ 2026-04-28T09:06:05Z
UCB Q1 Deep Dive: Loan Growth, Deposit Trends, and Strategic M&A Take Center Stage
StockStory âĸ 2026-04-22T15:41:23Z
SC lender drills down on Atlanta area with $100.8M deal
Banking Dive âĸ 2026-04-22T11:55:19Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,040,952,000 | $930,042,000 | $871,949,000 | $868,131,000 |
| Operating Revenue | $1,040,952,000 | $930,042,000 | $871,949,000 | $868,131,000 |
| Expenses | ||||
| Interest Expense | $473,832,000 | $550,373,000 | $419,342,000 | $60,798,000 |
| Selling And Marketing Expense | $9,605,000 | $8,546,000 | $9,473,000 | $8,384,000 |
| General And Administrative Expense | $373,438,000 | $361,021,000 | $345,913,000 | $286,099,000 |
| Professional Expense And Contract Services Expense | $24,595,000 | $24,732,000 | $26,732,000 | $20,166,000 |
| Other Non Interest Expense | $38,601,000 | $45,012,000 | $39,567,000 | $32,885,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $328,095,000 | $252,397,000 | $187,544,000 | $277,472,000 |
| Net Interest Income | $909,107,000 | $827,368,000 | $817,765,000 | $752,357,000 |
| Interest Income | $1,382,939,000 | $1,377,741,000 | $1,237,107,000 | $813,155,000 |
| Normalized Income | $336,023,508 | $259,131,563 | $209,475,260 | $292,573,095 |
| Net Income From Continuing And Discontinued Operation | $328,095,000 | $252,397,000 | $187,544,000 | $277,472,000 |
| Net Income Common Stockholders | $318,183,000 | $244,626,000 | $180,847,000 | $269,135,000 |
| Net Income | $328,095,000 | $252,397,000 | $187,544,000 | $277,472,000 |
| Net Income Including Noncontrolling Interests | $328,095,000 | $252,397,000 | $187,544,000 | $277,472,000 |
| Net Income Continuous Operations | $328,095,000 | $252,397,000 | $187,544,000 | $277,472,000 |
| Pretax Income | $422,412,000 | $323,006,000 | $232,545,000 | $356,002,000 |
| Special Income Charges | $-10,204,000 | $-8,623,000 | $-27,210,000 | $-19,375,000 |
| Depreciation Amortization Depletion Income Statement | $13,079,000 | $14,596,000 | $15,175,000 | $6,826,000 |
| Depreciation And Amortization In Income Statement | $13,079,000 | $14,596,000 | $15,175,000 | $6,826,000 |
| Amortization Of Intangibles Income Statement | $13,079,000 | $14,596,000 | $15,175,000 | $6,826,000 |
| Per Share | ||||
| Diluted EPS | $2.62 | $2.04 | $1.54 | $2.52 |
| Basic EPS | $2.62 | $2.04 | $1.54 | $2.52 |
| Other | ||||
| Tax Effect Of Unusual Items | $-2,275,492 | $-1,888,437 | $-5,278,740 | $-4,273,905 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-10,204,000 | $-8,623,000 | $-27,210,000 | $-19,375,000 |
| Total Unusual Items Excluding Goodwill | $-10,204,000 | $-8,623,000 | $-27,210,000 | $-19,375,000 |
| Reconciled Depreciation | $45,951,000 | $40,930,000 | $44,963,000 | $46,700,000 |
| Diluted Average Shares | $121,437,000 | $119,900,000 | $117,745,000 | $106,778,000 |
| Basic Average Shares | $121,309,000 | $119,783,000 | $117,603,000 | $106,661,000 |
| Diluted NI Availto Com Stockholders | $318,183,000 | $244,626,000 | $180,847,000 | $269,135,000 |
| Otherunder Preferred Stock Dividend | $5,193,000 | $1,478,000 | $62,000 | $1,462,000 |
| Preferred Stock Dividends | $4,719,000 | $6,293,000 | $6,635,000 | $6,875,000 |
| Tax Provision | $94,317,000 | $70,609,000 | $45,001,000 | $78,530,000 |
| Restructuring And Mergern Acquisition | $10,204,000 | $8,623,000 | $27,210,000 | $19,375,000 |
| Gain On Sale Of Security | $8,473,000 | $6,805,000 | $-50,823,000 | $331,000 |
| Amortization | $13,079,000 | $14,596,000 | $15,175,000 | $6,826,000 |
| Selling General And Administration | $383,043,000 | $369,567,000 | $355,386,000 | $294,483,000 |
| Insurance And Claims | $18,987,000 | $20,978,000 | $27,449,000 | $9,894,000 |
| Salaries And Wages | $354,451,000 | $340,043,000 | $318,464,000 | $276,205,000 |
| Occupancy And Equipment | $100,212,000 | $93,555,000 | $85,904,000 | $74,481,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $2,670,804,000 | $2,475,484,000 | $2,271,438,000 | $1,921,426,000 |
| Total Assets | $28,002,554,000 | $27,720,258,000 | $27,297,251,000 | $24,008,884,000 |
| Goodwill And Other Intangible Assets | $967,882,000 | $956,643,000 | $990,087,000 | $779,248,000 |
| Other Intangible Assets | $42,763,000 | $49,553,000 | $70,173,000 | $28,074,000 |
| Receivables | $83,557,000 | $85,616,000 | $87,782,000 | $72,807,000 |
| Accounts Receivable | $83,557,000 | $85,616,000 | $87,782,000 | $72,807,000 |
| Cash And Cash Equivalents | $395,754,000 | $519,873,000 | $1,003,875,000 | $511,853,000 |
| Cash Financial | $202,586,000 | $296,161,000 | $200,781,000 | $195,771,000 |
| Cash Cash Equivalents And Federal Funds Sold | $395,754,000 | $519,873,000 | $1,003,875,000 | $646,853,000 |
| Debt | ||||
| Total Debt | $120,400,000 | $254,152,000 | $324,823,000 | $874,663,000 |
| Long Term Debt And Capital Lease Obligation | $120,400,000 | $254,152,000 | $324,823,000 | $874,663,000 |
| Long Term Debt | $120,400,000 | $254,152,000 | $324,823,000 | $874,663,000 |
| Net Debt | - | - | - | $362,810,000 |
| Current Debt And Capital Lease Obligation | - | - | - | $158,933,000 |
| Current Debt | - | - | - | $158,933,000 |
| Other Current Borrowings | - | - | - | $158,933,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $24,363,868,000 | $24,288,131,000 | $24,035,726,000 | $21,308,210,000 |
| Derivative Product Liabilities | $52,997,000 | $77,834,000 | $84,811,000 | $99,543,000 |
| Payables And Accrued Expenses | - | - | - | $298,564,000 |
| Equity | ||||
| Common Stock Equity | $3,638,686,000 | $3,343,861,000 | $3,173,259,000 | $2,604,252,000 |
| Total Equity Gross Minority Interest | $3,638,686,000 | $3,432,127,000 | $3,261,525,000 | $2,700,674,000 |
| Stockholders Equity | $3,638,686,000 | $3,432,127,000 | $3,261,525,000 | $2,700,674,000 |
| Gains Losses Not Affecting Retained Earnings | $-150,572,000 | $-212,919,000 | $-239,192,000 | $-329,488,000 |
| Other Equity Adjustments | $-150,572,000 | $-212,919,000 | $-239,192,000 | $-329,488,000 |
| Retained Earnings | $914,261,000 | $714,138,000 | $581,219,000 | $508,844,000 |
| Preferred Stock Equity | - | $88,266,000 | $88,266,000 | $96,422,000 |
| Other Equity Interest | - | $12,999,000 | $13,110,000 | $12,307,000 |
| Other | ||||
| Ordinary Shares Number | $120,598,266 | $119,364,110 | $119,010,319 | $106,222,758 |
| Share Issued | $120,598,266 | $119,364,110 | $119,010,319 | $106,222,758 |
| Tangible Book Value | $2,670,804,000 | $2,387,218,000 | $2,183,172,000 | $1,825,004,000 |
| Invested Capital | $3,759,086,000 | $3,598,013,000 | $3,498,082,000 | $3,478,915,000 |
| Total Capitalization | $3,759,086,000 | $3,686,279,000 | $3,586,348,000 | $3,575,337,000 |
| Additional Paid In Capital | $2,754,399,000 | $2,723,278,000 | $2,699,112,000 | $2,306,366,000 |
| Capital Stock | $120,598,000 | $207,630,000 | $207,276,000 | $202,645,000 |
| Common Stock | $120,598,000 | $119,364,000 | $119,010,000 | $106,223,000 |
| Preferred Stock | $0 | $88,266,000 | $88,266,000 | $96,422,000 |
| Investments And Advances | $5,988,219,000 | $6,804,398,000 | $5,821,932,000 | $6,227,981,000 |
| Held To Maturity Securities | $2,236,856,000 | $2,368,107,000 | $2,490,848,000 | $2,613,648,000 |
| Available For Sale Securities | $831,623,000 | - | - | - |
| Goodwill | $925,119,000 | $907,090,000 | $919,914,000 | $751,174,000 |
| Net PPE | $393,714,000 | $394,264,000 | $378,421,000 | $298,456,000 |
| Accumulated Depreciation | $-186,531,000 | $-179,100,000 | $-177,858,000 | $-162,987,000 |
| Gross PPE | $580,245,000 | $573,364,000 | $556,279,000 | $461,443,000 |
| Construction In Progress | $9,016,000 | $4,634,000 | $71,435,000 | $34,669,000 |
| Machinery Furniture Equipment | $135,537,000 | $142,833,000 | $138,155,000 | $115,569,000 |
| Buildings And Improvements | $308,810,000 | $300,928,000 | $232,321,000 | $210,018,000 |
| Land And Improvements | $126,882,000 | $124,969,000 | $114,368,000 | $101,187,000 |
| Other Short Term Investments | $2,919,740,000 | $4,436,291,000 | $3,331,084,000 | $3,614,333,000 |
| Preferred Shares Number | - | $3,662,000 | $3,662,000 | $4,000,000 |
| Treasury Shares Number | - | - | $0 | - |
| Current Accrued Expenses | - | - | - | $298,564,000 |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $356,456,000 | $302,690,000 | $221,486,000 | $564,603,000 |
| Operating Activities | ||||
| Operating Cash Flow | $384,035,000 | $349,734,000 | $293,971,000 | $607,307,000 |
| Cash Flow From Continuing Operating Activities | $384,035,000 | $349,734,000 | $293,971,000 | $607,307,000 |
| Operating Gains Losses | $-7,507,000 | $22,334,000 | $44,187,000 | $-6,858,000 |
| Investing Activities | ||||
| Capital Expenditure | $-27,579,000 | $-47,044,000 | $-72,485,000 | $-42,704,000 |
| Investing Cash Flow | $33,417,000 | $-991,042,000 | $-163,289,000 | $-2,020,181,000 |
| Cash Flow From Continuing Investing Activities | $33,417,000 | $-991,042,000 | $-163,289,000 | $-2,020,181,000 |
| Net Other Investing Changes | $18,851,000 | $18,412,000 | $11,307,000 | $6,940,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-135,810,000 | $0 | $-7,151,000 | $0 |
| Financing Cash Flow | $-541,571,000 | $157,306,000 | $226,340,000 | $-258,783,000 |
| Cash Flow From Continuing Financing Activities | $-541,571,000 | $157,306,000 | $226,340,000 | $-258,783,000 |
| Net Other Financing Charges | $-1,222,000 | $-13,000 | $-815,000 | $-7,029,000 |
| Cash Dividends Paid | $-123,237,000 | $-118,609,000 | $-111,720,000 | $-93,758,000 |
| Preferred Stock Dividend Paid | $-4,719,000 | $-6,293,000 | $-6,635,000 | $-6,875,000 |
| Common Stock Dividend Paid | $-118,518,000 | $-112,316,000 | $-105,085,000 | $-86,883,000 |
| Net Preferred Stock Issuance | $-91,541,000 | $0 | $-7,151,000 | $0 |
| Net Common Stock Issuance | $-44,269,000 | $0 | $0 | $0 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Preferred Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-261,000,000 | $-69,657,000 | $-2,870,000,000 | $-240,000,000 |
| Issuance Of Debt | $126,000,000 | $1,100,000 | $2,225,000,000 | $790,000,000 |
| End Cash Position | $395,754,000 | $519,873,000 | $1,003,875,000 | $646,853,000 |
| Beginning Cash Position | $519,873,000 | $1,003,875,000 | $646,853,000 | $2,318,510,000 |
| Changes In Cash | $-124,119,000 | $-484,002,000 | $357,022,000 | $-1,671,657,000 |
| Preferred Stock Payments | $-91,541,000 | $0 | $-7,151,000 | $0 |
| Common Stock Payments | $-44,269,000 | $0 | $0 | $0 |
| Net Issuance Payments Of Debt | $-245,000,000 | $126,443,000 | $-992,615,000 | $708,933,000 |
| Net Short Term Debt Issuance | $-110,000,000 | $195,000,000 | $-347,615,000 | $158,933,000 |
| Net Long Term Debt Issuance | $-135,000,000 | $-68,557,000 | $-645,000,000 | $550,000,000 |
| Long Term Debt Payments | $-261,000,000 | $-69,657,000 | $-2,870,000,000 | $-240,000,000 |
| Long Term Debt Issuance | $126,000,000 | $1,100,000 | $2,225,000,000 | $790,000,000 |
| Net Investment Purchase And Sale | $935,002,000 | $-1,053,718,000 | $780,456,000 | $-800,728,000 |
| Sale Of Investment | $1,461,843,000 | $1,002,372,000 | $1,780,632,000 | $1,261,417,000 |
| Purchase Of Investment | $-526,841,000 | $-2,056,090,000 | $-1,000,176,000 | $-2,062,145,000 |
| Net Business Purchase And Sale | $41,246,000 | $8,592,000 | $113,953,000 | $35,243,000 |
| Sale Of Business | $41,246,000 | $8,592,000 | $207,566,000 | $35,243,000 |
| Purchase Of Business | $0 | $0 | $-93,613,000 | $0 |
| Net PPE Purchase And Sale | $-27,579,000 | $-47,044,000 | $-72,485,000 | $-32,961,000 |
| Purchase Of PPE | $-27,579,000 | $-47,044,000 | $-72,485,000 | $-42,704,000 |
| Change In Working Capital | $-52,860,000 | $-39,977,000 | $-87,474,000 | $206,457,000 |
| Change In Other Current Liabilities | $-58,276,000 | $-24,266,000 | $-49,649,000 | $76,614,000 |
| Change In Other Current Assets | $-12,737,000 | $8,815,000 | $-20,504,000 | $-14,694,000 |
| Stock Based Compensation | $11,405,000 | $10,803,000 | $8,932,000 | $8,705,000 |
| Asset Impairment Charge | $0 | $5,100,000 | $0 | $0 |
| Deferred Tax | $10,145,000 | $7,196,000 | $6,389,000 | $10,918,000 |
| Deferred Income Tax | $10,145,000 | $7,196,000 | $6,389,000 | $10,918,000 |
| Depreciation Amortization Depletion | $45,951,000 | $40,930,000 | $44,963,000 | $46,700,000 |
| Depreciation And Amortization | $45,951,000 | $40,930,000 | $44,963,000 | $46,700,000 |
| Depreciation | $45,951,000 | $40,930,000 | $44,963,000 | $46,700,000 |
| Gain Loss On Investment Securities | $-352,000 | $3,316,000 | $53,333,000 | $3,872,000 |
| Net Income From Continuing Operations | $328,095,000 | $252,397,000 | $187,544,000 | $277,472,000 |
| Sale Of PPE | - | $1,156,000 | $4,665,000 | $9,743,000 |
| Short Term Debt Issuance | - | - | - | $158,933,000 |
| Proceeds From Stock Option Exercised | - | - | - | - |
| Change In Payables And Accrued Expense | - | - | - | - |
| Change In Accrued Expense | - | - | - | - |
Fetched: 2026-06-16