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STOCKS

United Community Banks (UCB)

NYSE:UCB

UCB

United Community Banks

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United Community Banks (UCB) Ratios

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135 Followers

United Community Banks Ratios

UCB's free cash flow for Q4 2025 was $0.70. For the 2025 fiscal year, UCB's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.17	0.17	0.21	0.19	0.20
Quick Ratio	0.17	0.17	0.21	0.19	0.20
Cash Ratio	<0.01	<0.01	0.02	0.04	0.02
Solvency Ratio	0.01	0.01	0.01	<0.01	0.02
Operating Cash Flow Ratio	0.02	0.02	0.01	0.01	0.03
Short-Term Operating Cash Flow Coverage	5.12	5.12	1.79	0.00	1.91
Net Current Asset Value	$ -20.33B	$ -20.33B	$ -19.25B	$ -19.61B	$ -17.11B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	<0.01	0.02	0.01	0.05
Debt-to-Equity Ratio	0.06	0.06	0.13	0.10	0.44
Debt-to-Capital Ratio	0.05	0.05	0.12	0.09	0.31
Long-Term Debt-to-Capital Ratio	0.03	0.03	0.07	0.09	0.24
Financial Leverage Ratio	7.70	7.70	8.08	8.37	8.89
Debt Service Coverage Ratio	0.65	0.65	0.39	0.55	0.86
Interest Coverage Ratio	0.89	0.89	0.59	0.55	5.86
Debt to Market Cap	0.06	0.05	0.12	0.09	0.33
Interest Debt Per Share	5.58	5.58	8.34	6.33	11.75
Net Debt to EBITDA	<0.01	<0.01	-0.19	-2.45	1.69
Profitability Margins
Gross Profit Margin	66.00%	66.00%	59.38%	60.60%	86.57%
EBIT Margin	27.48%	27.48%	21.82%	18.01%	38.32%
EBITDA Margin	29.70%	29.70%	24.58%	21.49%	43.35%
Operating Profit Margin	27.48%	27.48%	21.82%	18.01%	38.32%
Pretax Profit Margin	27.48%	27.48%	21.82%	18.01%	38.32%
Net Profit Margin	21.35%	21.35%	17.05%	14.52%	29.87%
Continuous Operations Profit Margin	21.35%	21.35%	17.05%	14.52%	29.87%
Net Income Per EBT	77.68%	77.68%	78.14%	80.65%	77.94%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.17%	1.17%	0.91%	0.69%	1.16%
Return on Equity (ROE)	9.15%	9.02%	7.35%	5.75%	10.27%
Return on Capital Employed (ROCE)	10.25%	10.25%	7.95%	5.83%	10.13%
Return on Invested Capital (ROIC)	7.80%	7.80%	5.93%	4.70%	7.24%
Return on Tangible Assets	1.21%	1.21%	0.94%	0.71%	1.19%
Earnings Yield	9.01%	8.64%	6.52%	5.45%	7.70%
Efficiency Ratios
Receivables Turnover	18.39	18.39	17.29	14.71	12.76
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	3.90	3.90	3.75	3.41	3.11
Asset Turnover	0.05	0.05	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.08	-0.08	-0.08	-0.07	-0.07
Cash Conversion Cycle	19.84	19.84	21.11	24.81	28.61
Days of Sales Outstanding	19.84	19.84	21.11	24.81	28.61
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	19.84	19.84	21.11	24.81	28.61
Cash Flow Ratios
Operating Cash Flow Per Share	3.58	3.58	2.92	2.50	5.69
Free Cash Flow Per Share	3.35	3.35	2.53	1.88	5.29
CapEx Per Share	0.23	0.23	0.39	0.62	0.40
Free Cash Flow to Operating Cash Flow	0.94	0.94	0.87	0.75	0.93
Dividend Paid and CapEx Coverage Ratio	2.89	2.89	2.11	1.60	4.45
Capital Expenditure Coverage Ratio	15.78	15.78	7.43	4.06	14.22
Operating Cash Flow Coverage Ratio	2.12	2.12	0.78	0.91	0.51
Operating Cash Flow to Sales Ratio	0.28	0.28	0.24	0.23	0.65
Free Cash Flow Yield	11.38%	10.73%	7.82%	6.44%	15.66%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.09	11.58	15.33	18.35	12.99
Price-to-Sales (P/S) Ratio	2.33	2.47	2.61	2.66	3.88
Price-to-Book (P/B) Ratio	1.00	1.04	1.13	1.06	1.33
Price-to-Free Cash Flow (P/FCF) Ratio	8.77	9.32	12.79	15.54	6.39
Price-to-Operating Cash Flow Ratio	8.36	8.73	11.07	11.71	5.94
Price-to-Earnings Growth (PEG) Ratio	2.81	0.40	0.47	-0.47	-0.86
Price-to-Fair Value	1.00	1.04	1.13	1.06	1.33
Enterprise Value Multiple	7.84	8.33	10.44	9.95	10.64
Enterprise Value	3.59B	3.80B	3.80B	2.76B	4.29B
EV to EBITDA	7.85	8.33	10.44	9.95	10.64
EV to Sales	2.33	2.47	2.57	2.14	4.61
EV to Free Cash Flow	8.79	9.32	12.55	12.47	7.59
EV to Operating Cash Flow	8.24	8.73	10.86	9.40	7.06
Tangible Book Value Per Share	21.95	21.95	20.67	19.31	18.01
Shareholders’ Equity Per Share	29.91	29.91	28.65	27.73	25.32
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.22	0.19	0.22
Revenue Per Share	12.63	12.63	12.36	10.98	8.71
Net Income Per Share	2.70	2.70	2.11	1.59	2.60
Tax Burden	0.78	0.78	0.78	0.81	0.78
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.24	0.24	0.24	0.27	0.31
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.33	1.33	1.39	1.57	2.19

Currency in USD