UCB

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United Community Banks, Inc.

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Key Metrics

Previous Close: $35.75
52-Week Range: $28.65 – $37.18
Market Cap: $4.26B
P/E (TTM): 11.61
EPS (TTM): 3.06
Dividend Yield: 2.91%

Advanced Metrics

Price/Book: 1.14
PEG Ratio: 1.67
Return on Equity: 10.27%
Return on Assets: 1.32%
Gross Margin: 0.00%
Operating Margin: 50.90%
Profit Margin: 34.09%
Current Ratio: —
Debt/Equity: —
Total Debt: $1.23B
Free Cash Flow: —
Revenue Growth: 24.40%
Earnings Growth: 50.80%
Enterprise Value: $4.94B

UCB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$868.13M	$871.95M	$930.04M	$1.04B
Selling, General & Admin	$294.48M	$355.39M	$369.57M	$383.04M
Pretax Income	$356.00M	$232.54M	$323.01M	$422.41M
Income Tax	$78.53M	$45.00M	$70.61M	$94.32M
Net Income	$277.47M	$187.54M	$252.40M	$328.10M
Diluted EPS	2.52	1.54	2.04	2.62
Diluted Shares	106.78M	117.75M	119.90M	121.44M

UCB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$511.85M	$1.00B	$519.87M	$395.75M
Receivables	$72.81M	$87.78M	$85.62M	$83.56M
Total Assets	$24.01B	$27.30B	$27.72B	$28.00B
Long-Term Debt	$874.66M	$324.82M	$254.15M	$120.40M
Total Debt	$874.66M	$324.82M	$254.15M	$120.40M
Total Liabilities	$21.31B	$24.04B	$24.29B	$24.36B
Retained Earnings	$508.84M	$581.22M	$714.14M	$914.26M
Shareholders' Equity	$2.70B	$3.26B	$3.43B	$3.64B
Net Debt	$362.81M	—	—	—

UCB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$607.31M	$293.97M	$349.73M	$384.04M
Capital Expenditure	-$42.70M	-$72.48M	-$47.04M	-$27.58M
Free Cash Flow	$564.60M	$221.49M	$302.69M	$356.46M
Depreciation & Amortisation	$46.70M	$44.96M	$40.93M	$45.95M
Stock-Based Compensation	$8.71M	$8.93M	$10.80M	$11.40M
Investing Cash Flow	-$2.02B	-$163.29M	-$991.04M	$33.42M
Financing Cash Flow	-$258.78M	$226.34M	$157.31M	-$541.57M
Dividends Paid	-$93.76M	-$111.72M	-$118.61M	-$123.24M
Share Repurchases	$0.00	-$7.15M	$0.00	-$135.81M
Net Change in Cash	-$1.67B	$357.02M	-$484.00M	-$124.12M

UCB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$254.34M	$270.88M	$272.81M	$270.37M	$272.62M
Selling, General & Admin	$94.62M	$97.57M	$100.06M	$105.92M	$103.28M
Pretax Income	$100.50M	$118.07M	$112.68M	$108.36M	$149.17M
Income Tax	$21.77M	$26.58M	$26.22M	$24.07M	$33.53M
Net Income	$78.73M	$91.49M	$86.45M	$84.29M	$115.64M
Diluted EPS	0.63	0.70	0.70	0.69	0.95
Diluted Shares	121.43M	122.25M	121.83M	120.72M	120.44M

UCB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$561.00M	$613.43M	$395.75M	$493.14M	$455.10M
Receivables	—	—	$83.56M	—	—
Total Assets	$28.09B	$28.14B	$28.00B	$28.18B	$29.05B
Long-Term Debt	$155.14M	$155.25M	$120.40M	$120.50M	$820.60M
Total Debt	$155.14M	$155.25M	$120.40M	$120.50M	$1.18B
Total Liabilities	$24.47B	$24.55B	$24.36B	$24.52B	$25.31B
Retained Earnings	$802.59M	$858.39M	$914.26M	$968.19M	$1.05B
Shareholders' Equity	$3.61B	$3.60B	$3.64B	$3.65B	$3.75B
Net Debt	—	—	—	—	$725.50M

UCB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$96.84M	$123.09M	$65.47M	$69.28M	$130.63M
Capital Expenditure	-$12.12M	-$5.39M	-$5.76M	-$6.92M	-$9.21M
Free Cash Flow	$84.72M	$117.71M	$59.71M	$62.36M	$121.41M
Depreciation & Amortisation	$11.88M	$10.78M	$11.84M	$19.82M	$19.12M
Stock-Based Compensation	$2.89M	$2.97M	$3.23M	$3.34M	$3.71M
Investing Cash Flow	$159.72M	-$19.56M	-$50.16M	-$45.54M	-$897.03M
Financing Cash Flow	-$318.31M	-$65.06M	-$232.99M	$73.65M	$728.36M
Dividends Paid	-$30.65M	-$31.11M	-$30.84M	-$30.59M	-$30.38M
Share Repurchases	-$13.94M	-$91.54M	-$30.33M	-$37.09M	$0.00
Net Change in Cash	-$61.76M	$38.48M	-$217.68M	$97.39M	-$38.04M

Market Snapshot

About

United Community Banks, Inc. is a bank holding company that operates through its subsidiary, United Community Bank, providing a full range of banking services to individuals and businesses. The company operates locations primarily in Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks focuses on relationship banking with an emphasis on superior customer service.