NYSE · Banks - Regional

United Community Banks, Inc. (UCB) Stock

$33.56 -0.06% NYSE: UCB Financial Services

Valuation

MetricValue
Price$33.56
Market Cap$4.02B
P/E Ratio11.15
P/B Ratio1.10
P/S Ratio2.63
EPS (TTM)$2.62
52-Week High$37.18
52-Week Low$28.65
Dividend Yield3.05%

Financials & Margins

MetricValue
ROE10.33%
ROA1.30%
ROCE1.66%
Gross Margin27.46%
Operating Margin27.46%
Net Margin24.30%
Debt/Equity0.03
Current Ratio0.17

Annual Financials (USD)

Metric20212022202320242025
Revenue$716.0M$929.0M$1.3B$1.5B$1.5B
Operating Profit$348.0M$356.0M$233.0M$323.0M$422.0M
Net Profit$270.0M$277.0M$188.0M$252.0M$328.0M
EPS$2.97$2.52$1.54$2.04$2.62
Op Margin48.5%38.3%18.0%21.8%27.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$20.9B$24.0B$27.3B$27.7B$28.0B
Total Liabilities$18.7B$21.3B$24.0B$24.3B$24.4B
Cash$2.3B$512.0M$1.0B$520.0M$203.0M
Borrowings$247.0M$1.2B$325.0M$449.0M$205.0M

Latest News

Is United Community Banks (UCB) Undervalued Following Its Earnings Miss? Simply Wall St. · Jul 22, 2026 United Community Banks (UCB) Stock Looks Cheap On Fair Value While Earnings Look Fair Simply Wall St. · Jul 22, 2026 UCB: What does Argus have to say about UCB? Argus Research · Jul 22, 2026 United Community Banks Inc (UCB) Q2 2026 Earnings Call Highlights: Strong EPS Growth Amid ... GuruFocus.com · Jul 21, 2026 United Community Banks, Inc. Q2 2026 Earnings Call Summary Moby · Jul 21, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$359.0M$607.0M$294.0M$350.0M$435.0M
Investing Cash Flow$-1.8B$-2.1B$-236.0M$-1.0B$24.0M
Financing Cash Flow$2.3B$-874.0M$1.3B$149.0M$-173.0M
Net Cash Flow$710.0M$-1.7B$357.0M$-484.0M$69.0M
Free Cash Flow$333.0M$565.0M$221.0M$303.0M$408.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.29
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y8.36%
Return 3Y42.29%
Return 5Y33.77%

Ownership

Insiders Held0.45%
Institutions Held88.48%
Institutions Float Held88.89%
Institutional HolderSharesReport Date
Blackrock Inc.17,861,6362026-03-31
FMR, LLC8,950,2352026-03-31
Vanguard Portfolio Management LLC8,044,9922026-03-31
Dimensional Fund Advisors LP6,520,1322026-03-31
State Street Corporation6,232,9612026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ASBAssociated Banc-Corp $28.76 -0.02% 10.02 $5.43B 3.31%
BANFBancFirst Corporation $106.90 +0.84% 14.37 $3.59B 1.92%
CADECadence Bank $42.11 -1.66% 14.83 $7.85B 2.61%
FULTFulton Financial Corporation $22.27 +0.88% 10.79 $4.26B 3.37%
INTRInter & Co. Inc. $7.24 +0.84% 9.72 $3.20B 1.62%

About United Community Banks, Inc.

United Community Banks, Inc. (UCB) stock trades at $33.56 with a market capitalization of $4.02B. The stock is valued at a price-to-earnings (P/E) ratio of 11.15, price-to-book of 1.10, price-to-sales of 2.63. Over the past 52 weeks the stock has ranged between $28.65 and $37.18, and currently trades 9.7% below its 52-week high. It pays a dividend yielding 3.05%.

On profitability, United Community Banks, Inc. generates a return on equity (ROE) of 10.33%, return on capital employed of 1.66%, an operating margin of 27.46%, a net profit margin of 24.30%.

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