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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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133 Followers

United Community Banks Ratios

UCB's free cash flow for Q3 2025 was $0.63. For the 2025 fiscal year, UCB's free cash flow was decreased by $ and operating cash flow was $0.61. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	47.49	0.21	0.19	26.42	0.61
Quick Ratio	47.49	0.21	0.19	30.95	0.82
Cash Ratio	2.38	0.02	0.04	3.22	0.20
Solvency Ratio	0.01	0.01	<0.01	0.02	1.08
Operating Cash Flow Ratio	5.49	0.01	0.01	3.82	0.03
Short-Term Operating Cash Flow Coverage	5.49	1.79	0.00	0.00	0.00
Net Current Asset Value	$ -20.33B	$ -19.25B	$ -19.61B	$ -17.11B	$ 6.58B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.02	0.01	0.04	0.01
Debt-to-Equity Ratio	0.06	0.13	0.10	0.32	0.11
Debt-to-Capital Ratio	0.05	0.12	0.09	0.24	0.10
Long-Term Debt-to-Capital Ratio	0.03	0.07	0.09	0.24	0.10
Financial Leverage Ratio	7.70	8.08	8.37	8.89	9.43
Debt Service Coverage Ratio	0.84	0.39	0.55	4.96	9.00
Interest Coverage Ratio	1.11	0.59	0.55	5.86	11.69
Debt to Market Cap	0.05	0.12	0.09	0.24	0.08
Interest Debt Per Share	5.58	8.34	6.33	8.77	3.15
Net Debt to EBITDA	<0.01	-0.19	-2.45	0.96	-5.91
Profitability Margins
Gross Profit Margin	63.11%	59.38%	60.60%	100.00%	100.00%
EBIT Margin	27.75%	21.82%	18.01%	41.01%	50.66%
EBITDA Margin	43.28%	24.58%	21.49%	43.75%	50.36%
Operating Profit Margin	40.65%	21.82%	18.01%	41.01%	50.66%
Pretax Profit Margin	32.55%	21.82%	18.01%	41.01%	50.66%
Net Profit Margin	25.29%	17.05%	14.52%	31.96%	39.30%
Continuous Operations Profit Margin	18.62%	17.05%	14.52%	31.96%	39.30%
Net Income Per EBT	77.68%	78.14%	80.65%	77.94%	77.58%
EBT Per EBIT	80.07%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.17%	0.91%	0.69%	1.16%	1.29%
Return on Equity (ROE)	9.15%	7.35%	5.75%	10.27%	12.14%
Return on Capital Employed (ROCE)	1.89%	7.95%	5.83%	1.49%	3.57%
Return on Invested Capital (ROIC)	7.48%	5.93%	4.70%	2.45%	13.59%
Return on Tangible Assets	1.21%	0.94%	0.71%	1.19%	1.32%
Earnings Yield	8.08%	6.52%	5.45%	7.70%	8.54%
Efficiency Ratios
Receivables Turnover	15.53	17.29	14.71	11.92	15.97
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	3.30	3.75	3.41	2.91	2.80
Asset Turnover	0.05	0.05	0.05	0.04	0.03
Working Capital Turnover Ratio	-0.17	-0.08	-0.07	-5.02	-0.17
Cash Conversion Cycle	23.50	21.11	24.81	30.61	22.86
Days of Sales Outstanding	23.50	21.11	24.81	30.61	22.86
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	23.50	21.11	24.81	30.61	22.86
Cash Flow Ratios
Operating Cash Flow Per Share	3.84	2.92	2.50	5.69	4.09
Free Cash Flow Per Share	3.61	2.53	1.88	5.29	3.78
CapEx Per Share	0.22	0.39	0.62	0.40	0.30
Free Cash Flow to Operating Cash Flow	0.94	0.87	0.75	0.93	0.93
Dividend Paid and CapEx Coverage Ratio	3.10	2.11	1.60	4.45	3.58
Capital Expenditure Coverage Ratio	17.06	7.43	4.06	14.22	13.57
Operating Cash Flow Coverage Ratio	2.27	0.78	0.91	0.69	1.45
Operating Cash Flow to Sales Ratio	0.36	0.24	0.23	0.70	0.52
Free Cash Flow Yield	10.82%	7.82%	6.44%	15.66%	10.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.38	15.33	18.35	12.99	11.71
Price-to-Sales (P/S) Ratio	3.13	2.61	2.66	4.15	4.60
Price-to-Book (P/B) Ratio	1.12	1.13	1.06	1.33	1.42
Price-to-Free Cash Flow (P/FCF) Ratio	9.24	12.79	15.54	6.39	9.50
Price-to-Operating Cash Flow Ratio	8.71	11.07	11.71	5.94	8.80
Price-to-Earnings Growth (PEG) Ratio	3.13	0.47	-0.47	-0.86	0.21
Price-to-Fair Value	1.12	1.13	1.06	1.33	1.42
Enterprise Value Multiple	7.23	10.44	9.95	10.45	3.23
Enterprise Value	4.06B	3.80B	2.76B	3.97B	1.12B
EV to EBITDA	7.23	10.44	9.95	10.45	3.23
EV to Sales	3.13	2.57	2.14	4.57	1.63
EV to Free Cash Flow	9.24	12.55	12.47	7.03	3.35
EV to Operating Cash Flow	8.70	10.86	9.40	6.53	3.11
Tangible Book Value Per Share	29.91	20.67	19.31	18.01	230.01
Shareholders’ Equity Per Share	29.91	28.65	27.73	25.32	25.27
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.19	0.22	0.22
Revenue Per Share	10.67	12.36	10.98	8.14	7.81
Net Income Per Share	2.70	2.11	1.59	2.60	3.07
Tax Burden	0.78	0.78	0.81	0.78	0.78
Interest Burden	1.17	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	0.15	0.24	0.27	0.33	0.36
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.01	<0.01
Income Quality	1.47	1.39	1.57	2.19	1.33

Currency in USD