United Community Banks (UCB)
NYSE:UCB
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Total Valuation
United Community Banks has a market cap or net worth of $3.97B. The enterprise value is $3.91B.
Market Cap$3.97B
Enterprise Value$3.91B
Share Statistics
United Community Banks has 119,684,030 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding119,684,030
Owned by Insiders0.76%
Owned by Institutions1.57%
Financial Efficiency
United Community Banks’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 7.80%.
Return on Equity (ROE)0.09
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)7.80%
Return on Capital Employed (ROCE)0.10
Revenue Per Employee515.42K
Profits Per Employee110.03K
Employee Count2,982
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Community Banks is 11.3. United Community Banks’s PEG ratio is 0.40.
PE Ratio11.3
PS Ratio2.47
PB Ratio1.04
Price to Fair Value1.04
Price to FCF9.32
Price to Operating Cash Flow9.18
PEG Ratio0.40
Income Statement
In the last 12 months, United Community Banks had revenue of 1.54B and earned 328.15M in profits. Earnings per share was 2.63.
Revenue1.54B
Gross Profit1.01B
Operating Income422.41M
Pretax Income422.41M
Net Income328.15M
EBITDA456.52M
Earnings Per Share (EPS)2.63
Cash Flow
In the last 12 months, operating cash flow was 435.30M and capital expenditures -27.58M, giving a free cash flow of 407.72M billion.
Operating Cash Flow435.30M
Free Cash Flow407.72M
Free Cash Flow per Share3.41
Dividends & Yields
United Community Banks pays an annual dividend of $0.25, resulting in a dividend yield of 3.02%
Dividend Per Share$0.25
Dividend Yield3.02%
Payout Ratio37.26%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.04
52-Week Price Change19.82%
50-Day Moving Average32.51
200-Day Moving Average31.46
Relative Strength Index (RSI)63.83
Average Volume (3m)886.18K
Important Dates
United Community Banks upcoming earnings date is Jul 21, 2026, After Close (Confirmed).
Last Earnings DateApr 21, 2026
Next Earnings DateJul 21, 2026
Ex-Dividend Date―
Financial Position
United Community Banks as a current ratio of 0.17, with Debt / Equity ratio of 3.30%
Current Ratio0.17
Quick Ratio0.17
Debt to Market Cap0.05
Net Debt to EBITDA<0.01
Interest Coverage Ratio0.89
Taxes
In the past 12 months, United Community Banks has paid 94.32M in taxes.
Income Tax94.32M
Effective Tax Rate0.22
Enterprise Valuation
United Community Banks EV to EBITDA ratio is 8.33, with an EV/FCF ratio of 9.32.
EV to Sales2.47
EV to EBITDA8.33
EV to Free Cash Flow9.32
EV to Operating Cash Flow8.73
Balance Sheet
United Community Banks has $3.95B in cash and marketable securities with $205.40M in debt, giving a net cash position of $3.75B billion.
Cash & Marketable Securities$3.95B
Total Debt$205.40M
Net Cash$3.75B
Net Cash Per Share$31.32
Tangible Book Value Per Share$21.95
Margins
Gross margin is 67.97%, with operating margin of 27.48%, and net profit margin of 21.35%.
Gross Margin67.97%
Operating Margin27.48%
Pretax Margin27.48%
Net Profit Margin21.35%
EBITDA Margin29.70%
EBIT Margin27.48%
Analyst Forecast
The average price target for United Community Banks is $38.75, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$38.75
Price Target Upside13.47% Upside
Analyst ConsensusStrong Buy
Analyst Count4
Revenue Growth Forecast4.34%
EPS Growth Forecast29.58%