8-K Announcements
6Material company update
Apr 21, 2026·SEC
Material company update
Apr 21, 2026·SEC
Material company update
Jan 14, 2026·SEC
United Community Banks, Inc.(UCB)Earnings, Financials & Key Ratios
UCB•NYSE•Banking & Credit
$33.94
$4.06B mkt cap·13.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutUnited Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.Show more
- Net Interest Income$909M+9.9%
- Total Revenue$1.54B+3.8%
- Net Income$328M+30.0%
- Return on Equity9.28%+23.1%
- Net Interest Margin3.25%+8.8%
- Efficiency Ratio38.51%+2.5%
- ROA1.18%+28.4%
- Equity / Assets12.99%+4.9%
- Book Value per Share29.87+4.4%
- Tangible BV/Share21.92+6.2%
- Debt/Equity0.06-56.9%
UCB Key Insights
United Community Banks, Inc. (UCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 38.5% efficiency ratio
- ✓Well capitalized: 13.0% equity/assets
- ✓Healthy dividend yield of 2.9%
- ✓Trading at only 1.1x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
UCB Price & Volume
United Community Banks, Inc. (UCB) stock price & volume — 10-year historical chart
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UCB Growth Metrics
United Community Banks, Inc. (UCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years15.91%
5 Years17.18%
3 Years18.28%
TTM-
Profit CAGR
10 Years16.45%
5 Years14.87%
3 Years5.75%
TTM30.01%
EPS CAGR
10 Years9.17%
5 Years6.53%
3 Years1.31%
TTM28.43%
Return on Capital
10 Years10.32%
5 Years10.14%
3 Years8.18%
Last Year10.32%
UCB Recent Earnings
United Community Banks, Inc. (UCB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 5/12 qtrs (42%)
Q2 2026Latest
Apr 21, 2026EPS
$0.70
Est $0.71
-1.4%
Revenue
$277M
Est $274M
+1.0%
Q1 2026
Jan 14, 2026EPS
$0.71
Est $0.73
-2.7%
Revenue
$278M
Est $274M
+1.8%
Q4 2025
Oct 22, 2025EPS
$0.75
Est $0.70
+7.8%
Revenue
$277M
Est $271M
+2.2%
Q3 2025
Jul 23, 2025EPS
$0.66
Est $0.62
+6.5%
Revenue
$254M
Est $271M
-6.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 21, 2026 | $0.70vs $0.71-1.4% | $277Mvs $274M+1.0% |
| Q1 2026 | Jan 14, 2026 | $0.71vs $0.73-2.7% | $278Mvs $274M+1.8% |
| Q4 2025 | Oct 22, 2025 | $0.75vs $0.70+7.8% | $277Mvs $271M+2.2% |
| Q3 2025 | Jul 23, 2025 | $0.66vs $0.62+6.5% | $254Mvs $271M-6.2% |
Based on last 12 quarters of dataView full earnings history →
UCB Peer Comparison
United Community Banks, Inc. (UCB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 HOMB | 5.32B | 27.03 | 13.45 | 9.47% | 10.86% | 0.30 | ||
 SRCE | 1.8B | 73.82 | 11.43 | 5.2% | 12.39% | 0.26 | ||
 GABC | 1.64B | 43.72 | 14.29 | 54.54% | 10.25% | 0.16 | ||
 CBSH | 7.71B | 52.53 | 12.87 | 2.23% | 15.34% | 0.79 | ||
 BOKF | 10.44B | 135.54 | 16.65 | 10.4% | 8.91% | 0.80 | ||
 IBCP | 696.01M | 33.81 | 10.34 | -0.3% | 14.2% | 0.23 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 |
Compare UCB vs Peers
United Community Banks, Inc. (UCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UCB Income Statement
United Community Banks, Inc. (UCB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 355.99M | 438.75M | 469.39M | 501.76M | 549.03M | 752.36M | 817.76M | 827.37M | 909.11M |
| NII Growth % | 14.91% | 23.25% | 6.98% | 6.9% | 9.42% | 37.03% | 8.69% | 1.17% | 9.88% |
| Net Interest Margin % | 2.99% | 3.49% | 3.63% | 2.82% | 2.62% | 3.13% | 3% | 2.98% | 3.25% |
| Interest Income | 389.72M | 500.08M | 552.71M | 558M | 578.79M | 813.15M | 1.24B | 1.38B | 1.38B |
| Interest Expense | 33.73M | 61.33M | 83.31M | 56.24M | 29.76M | 60.8M | 419.34M | 550.37M | 473.83M |
| Loan Loss Provision | 3.8M | 9.5M | 13.15M | 80.43M | -37.55M | 63.91M | 89.43M | 50.95M | 48.81M |
| Non-Interest Income | 74.26M | 77.64M | 88.28M | 137.6M | 137.48M | 115.77M | 54.18M | 102.67M | 154.04M |
| Non-Interest Income % | 16.01% | 13.44% | 13.77% | 19.78% | 19.19% | 12.46% | 4.2% | 6.94% | 10.02% |
| Total Revenue | 463.98M▲ 0% | 577.72M▲ 24.5% | 640.98M▲ 11.0% | 695.6M▲ 8.5% | 716.27M▲ 3.0% | 928.93M▲ 29.7% | 1.29B▲ 39.0% | 1.48B▲ 14.6% | 1.54B▲ 3.8% |
| Revenue Growth % | 8.23% | 24.51% | 10.95% | 8.52% | 2.97% | 29.69% | 39.01% | 14.65% | 3.82% |
| Non-Interest Expense | 253.61M | 290.96M | 305.81M | 349.48M | 376.3M | 448.22M | 549.97M | 556.09M | 591.93M |
| Efficiency Ratio | 54.66% | 50.36% | 47.71% | 50.24% | 52.54% | 48.25% | 42.59% | 37.56% | 38.51% |
| Operating Income | 172.83M▲ 0% | 215.93M▲ 24.9% | 238.71M▲ 10.6% | 209.44M▼ 12.3% | 347.76M▲ 66.0% | 356M▲ 2.4% | 232.54M▼ 34.7% | 323.01M▲ 38.9% | 422.41M▲ 30.8% |
| Operating Margin % | 37.25% | 37.38% | 37.24% | 30.11% | 48.55% | 38.32% | 18.01% | 21.82% | 27.48% |
| Operating Income Growth % | 6.04% | 24.93% | 10.55% | -12.26% | 66.04% | 2.37% | -34.68% | 38.9% | 30.78% |
| Pretax Income | 172.83M▲ 0% | 215.93M▲ 24.9% | 238.71M▲ 10.6% | 209.44M▼ 12.3% | 347.76M▲ 66.0% | 356M▲ 2.4% | 232.54M▼ 34.7% | 323.01M▲ 38.9% | 422.41M▲ 30.8% |
| Pretax Margin % | 37.25% | 37.38% | 37.24% | 30.11% | 48.55% | 38.32% | 18.01% | 21.82% | 27.48% |
| Income Tax | 105.01M | 49.81M | 52.99M | 45.36M | 77.96M | 78.53M | 45M | 70.61M | 94.32M |
| Effective Tax Rate % | 60.76% | 23.07% | 22.2% | 21.66% | 22.42% | 22.06% | 19.35% | 21.86% | 22.33% |
| Net Income | 67.82M▲ 0% | 166.11M▲ 144.9% | 185.72M▲ 11.8% | 164.09M▼ 11.6% | 269.8M▲ 64.4% | 277.47M▲ 2.8% | 187.54M▼ 32.4% | 252.4M▲ 34.6% | 328.15M▲ 30.0% |
| Net Margin % | 14.62% | 28.75% | 28.97% | 23.59% | 37.67% | 29.87% | 14.52% | 17.05% | 21.35% |
| Net Income Growth % | -32.62% | 144.93% | 11.81% | -11.65% | 64.42% | 2.84% | -32.41% | 34.58% | 30.01% |
| Net Income (Continuing) | 67.82M | 166.11M | 185.72M | 164.09M | 269.8M | 277.47M | 187.54M | 252.4M | 328.1M |
| EPS (Diluted) | 0.92▲ 0% | 2.07▲ 125.0% | 2.31▲ 11.6% | 1.91▼ 17.3% | 2.97▲ 55.5% | 2.52▼ 15.2% | 1.54▼ 38.9% | 2.04▲ 32.5% | 2.62▲ 28.4% |
| EPS Growth % | -34.29% | 125% | 11.59% | -17.32% | 55.5% | -15.15% | -38.89% | 32.47% | 28.43% |
| EPS (Basic) | 0.92 | 2.07 | 2.31 | 1.91 | 2.97 | 2.52 | 1.54 | 2.04 | 2.63 |
| Diluted Shares Outstanding | 73.26M | 79.67M | 79.71M | 83.25M | 88.1M | 106.78M | 117.75M | 119.95M | 121.83M |
UCB Balance Sheet
United Community Banks, Inc. (UCB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 2.93B | 2.96B | 2.79B | 4.83B | 6.79B | 4.13B | 4.33B | 4.96B | 3.95B |
| Cash & Due from Banks | 314.27M | 327.26M | 515.21M | 1.61B | 2.29B | 511.85M | 1B | 519.87M | 202.59M |
| Short Term Investments | 2.62B | 2.63B | 2.27B | 3.22B | 4.5B | 3.61B | 3.33B | 4.44B | 3.75B |
| Total Investments | 10.67B | 11.27B | 11.4B | 15.07B | 17.4B | 21.47B | 24.02B | 24.88B | 26.28B |
| Investments Growth % | 10.27% | 5.62% | 1.18% | 32.18% | 15.44% | 23.4% | 11.87% | 3.59% | 5.63% |
| Long-Term Investments | 8.05B | 8.64B | 9.13B | 11.85B | 12.9B | 17.85B | 20.68B | 20.44B | 22.53B |
| Accounts Receivables | 32.46M | 35.41M | 32.66M | 47.67M | 43M | 72.81M | 87.78M | 85.62M | 83.56M |
| Goodwill & Intangibles | 244.4M | 324.07M | 342.25M | 381.82M | 472.41M | 779.25M | 990.09M | 956.64M | 967.88M |
| Goodwill | 220.59M | 307.11M | 327.43M | 367.81M | 452.01M | 751.17M | 919.91M | 907.09M | 967.88M |
| Intangible Assets | 23.81M | 16.96M | 14.82M | 14.01M | 20.4M | 28.07M | 70.17M | 49.55M | 0 |
| PP&E (Net) | 208.85M | 206.14M | 215.98M | 218.49M | 245.3M | 298.46M | 378.42M | 394.26M | 393.71M |
| Other Assets | 358.37M | 347.37M | 373.8M | 428.37M | 455.91M | 749.72M | 707.9M | 789.08M | 0 |
| Total Current Assets | 2.96B | 2.99B | 2.82B | 4.88B | 6.83B | 4.2B | 4.42B | 5.04B | 4.04B |
| Total Non-Current Assets | 8.95B | 9.58B | 10.09B | 12.91B | 14.12B | 19.81B | 22.87B | 22.68B | 23.97B |
| Total Assets | 11.92B▲ 0% | 12.57B▲ 5.5% | 12.92B▲ 2.7% | 17.79B▲ 37.8% | 20.95B▲ 17.7% | 24.01B▲ 14.6% | 27.3B▲ 13.7% | 27.72B▲ 1.5% | 28B▲ 1.0% |
| Asset Growth % | 11.27% | 5.52% | 2.73% | 37.77% | 17.72% | 14.62% | 13.7% | 1.55% | 1.02% |
| Return on Assets (ROA) | 0.6% | 1.36% | 1.46% | 1.07% | 1.39% | 1.23% | 0.73% | 0.92% | 1.18% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 675.2M | 427.19M | 212.66M | 326.96M | 247.36M | 1.19B | 324.82M | 449.15M | 205.4M |
| Net Debt | 360.92M | 99.92M | -302.54M | -1.28B | -2.04B | 680.68M | -679.05M | -70.72M | 2.81M |
| Long-Term Debt | 625.2M | 267.19M | 212.66M | 326.96M | 247.36M | 874.66M | 324.82M | 254.15M | 120.4M |
| Short-Term Debt | 50M | 160M | 0 | 0 | 0 | 317.87M | 0 | 195M | 85M |
| Other Liabilities | 25.38M | 26.43M | 15.52M | 29M | 25.14M | -59.39M | 400.29M | 378M | 360.04M |
| Total Current Liabilities | 9.96B | 10.82B | 11.05B | 15.43B | 18.45B | 20.49B | 23.31B | 23.66B | 23.88B |
| Total Non-Current Liabilities | 650.57M | 293.62M | 228.18M | 355.96M | 272.5M | 815.27M | 725.12M | 632.16M | 480.44M |
| Total Liabilities | 10.61B | 11.12B | 11.28B | 15.79B | 18.72B | 21.31B | 24.04B | 24.29B | 24.36B |
| Total Equity | 1.3B▲ 0% | 1.46B▲ 11.8% | 1.64B▲ 12.2% | 2.01B▲ 22.7% | 2.22B▲ 10.7% | 2.7B▲ 21.5% | 3.26B▲ 20.8% | 3.43B▲ 5.2% | 3.64B▲ 6.0% |
| Equity Growth % | 21.16% | 11.83% | 12.22% | 22.73% | 10.7% | 21.53% | 20.77% | 5.23% | 6.02% |
| Equity / Assets (Capital Ratio) | 10.94% | 11.59% | 12.66% | 11.28% | 10.61% | 11.25% | 11.95% | 12.38% | 12.99% |
| Return on Equity (ROE) | 5.7% | 12.03% | 12.01% | 9.01% | 12.76% | 11.27% | 6.29% | 7.54% | 9.28% |
| Book Value per Share | 17.79 | 18.29 | 20.52 | 24.12 | 25.22 | 25.29 | 27.70 | 28.61 | 29.87 |
| Tangible BV per Share | 14.45 | 14.23 | 16.23 | 19.53 | 19.86 | 17.99 | 19.29 | 20.64 | 21.92 |
| Common Stock | 77.58M | 79.23M | 79.01M | 86.67M | 89.35M | 106.22M | 119.01M | 119.36M | 120.6M |
| Additional Paid-in Capital | 1.45B | 1.5B | 1.5B | 1.64B | 1.72B | 2.31B | 2.7B | 2.71B | 2.75B |
| Retained Earnings | -209.9M | -90.42M | 40.15M | 136.87M | 330.65M | 508.84M | 581.22M | 714.14M | 914.26M |
| Accumulated OCI | -25.24M | -41.59M | 8.39M | 37.71M | -26.48M | -329.49M | -239.19M | -212.92M | -150.57M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 96.42M | 96.42M | 96.42M | 88.27M | 88.27M | 0 |
UCB Cash Flow Statement
United Community Banks, Inc. (UCB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 207.96M | 270.01M | 153.93M | 158.68M | 359.32M | 607.31M | 293.97M | 349.73M | 435.3M |
| Operating CF Growth % | 48.64% | 29.83% | -42.99% | 3.08% | 126.44% | 69.02% | -51.59% | 18.97% | 24.47% |
| Net Income | 67.82M | 166.11M | 185.72M | 164.09M | 269.8M | 277.47M | 187.54M | 250.92M | 328.1M |
| Depreciation & Amortization | 27.49M | 30.97M | 23.95M | -8.59M | -2.06M | 46.7M | 44.96M | 40.93M | 45.95M |
| Deferred Taxes | 99.56M | 32.63M | 14.91M | 2.67M | 20.79M | 10.92M | 6.39M | 7.2M | 10.14M |
| Other Non-Cash Items | -6.74M | 879K | 7.3M | 74.27M | -48.9M | 57.05M | 133.62M | 79.86M | 110.72M |
| Working Capital Changes | 13.99M | 33.36M | -87.31M | -81.64M | 113.14M | 206.46M | -87.47M | -39.98M | -71.01M |
| Cash from Investing | -45.51M | -359.48M | 163.22M | -1.58B | -1.81B | -2.02B | -163.29M | -991.04M | 51.57M |
| Purchase of Investments | -973.59M | -578.32M | -353.87M | -1.63B | -3.41B | -2.06B | -1B | -2.06B | -526.84M |
| Sale/Maturity of Investments | 1B | 574M | 752.24M | 933.73M | 1.34B | 1.27B | 1.78B | 1B | 1.46B |
| Net Investment Activity | 29.76M | -4.32M | 398.37M | -695.93M | -2.07B | -796.98M | 780.46M | -1.05B | 935M |
| Acquisitions | 53.68M | -56.8M | -19.55M | 195.7M | 103.06M | 35.24M | 113.95M | 8.59M | 41.25M |
| Other Investing | -106.76M | -280.74M | -194.66M | -1.06B | 185.93M | -1.21B | -985.21M | 101.13M | -897.1M |
| Cash from Financing | -65.53M | 102.46M | -129.21M | 2.52B | 2.16B | -258.78M | 226.34M | 157.31M | -541.57M |
| Dividends Paid | -26.21M | -41.63M | -53.04M | -62.45M | -73.79M | -93.76M | -111.72M | -118.61M | -123.24M |
| Share Repurchases | -1.7M | -2M | -14.71M | -20.78M | -15.1M | 0 | -7.15M | 0 | -135.81M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | -1.7M | -2M | -14.71M | -20.78M | -15.1M | 0 | -7.15M | 0 | -135.81M |
| Debt Issuance (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | 287.52M | 728.66M | 153.81M | 2.53B | 2.35B | -873.96M | 1.34B | 149.47M | -37.52M |
| Net Change in Cash | 96.93M▲ 0% | 12.99M▼ 86.6% | 187.94M▲ 1346.8% | 1.09B▲ 481.8% | 709.89M▼ 35.1% | -1.67B▼ 335.5% | 357.02M▲ 121.4% | -484M▼ 235.6% | 69.42M▲ 114.3% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 124.12M |
| Cash at Beginning | 217.35M | 314.27M | 327.26M | 515.21M | 1.61B | 2.32B | 646.85M | 1B | 519.87M |
| Cash at End | 314.27M | 327.26M | 515.21M | 1.61B | 2.32B | 646.85M | 1B | 519.87M | 589.29M |
| Interest Paid | 34.66M | 56.83M | 85.97M | 59.97M | 0 | 0 | 0 | 0 | 0 |
| Income Taxes Paid | 6.51M | 7.88M | 33.78M | 36.54M | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | 185.78M▲ 0% | 252.39M▲ 35.9% | 132.99M▼ 47.3% | 140.22M▲ 5.4% | 332.84M▲ 137.4% | 564.6M▲ 69.6% | 221.49M▼ 60.8% | 302.69M▲ 36.7% | 407.72M▲ 34.7% |
| FCF Growth % | 51.61% | 35.85% | -47.31% | 5.44% | 137.37% | 69.63% | -60.77% | 36.66% | 34.7% |
UCB Banking Ratios
United Community Banks, Inc. (UCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 9.61% | 5.7% | 12.03% | 12.01% | 9.01% | 12.76% | 11.27% | 6.29% | 7.54% | 9.28% |
| Return on Assets (ROA) | 0.99% | 0.6% | 1.36% | 1.46% | 1.07% | 1.39% | 1.23% | 0.73% | 0.92% | 1.18% |
| Net Interest Margin | 2.89% | 2.99% | 3.49% | 3.63% | 2.82% | 2.62% | 3.13% | 3% | 2.98% | 3.25% |
| Efficiency Ratio | 56.28% | 54.66% | 50.36% | 47.71% | 50.24% | 52.54% | 48.25% | 42.59% | 37.56% | 38.51% |
| Equity / Assets | 10.05% | 10.94% | 11.59% | 12.66% | 11.28% | 10.61% | 11.25% | 11.95% | 12.38% | 12.99% |
| Book Value / Share | 14.96 | 17.79 | 18.29 | 20.52 | 24.12 | 25.22 | 25.29 | 27.7 | 28.61 | 29.87 |
| NII Growth | 20.34% | 14.91% | 23.25% | 6.98% | 6.9% | 9.42% | 37.03% | 8.69% | 1.17% | 9.88% |
| Dividend Payout | 15.75% | 38.65% | 25.06% | 28.56% | 35.9% | 24.8% | 31.31% | 56.03% | 44.5% | 36.12% |
UCB SEC Filings & Documents
United Community Banks, Inc. (UCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
UCB Frequently Asked Questions
United Community Banks, Inc. (UCB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
United Community Banks, Inc. (UCB) grew revenue by 3.8% over the past year. Growth has been modest.
Yes, United Community Banks, Inc. (UCB) is profitable, generating $328.1M in net income for fiscal year 2025 (21.4% net margin).
Dividend & Returns
Yes, United Community Banks, Inc. (UCB) pays a dividend with a yield of 2.87%. This makes it attractive for income-focused investors.
United Community Banks, Inc. (UCB) has a return on equity (ROE) of 9.3%. This is below average, suggesting room for improvement.
Industry Metrics
United Community Banks, Inc. (UCB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
United Community Banks, Inc. (UCB) has an efficiency ratio of 38.5%. This is excellent, indicating strong cost control.
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United Community Banks, Inc. (UCB) financial analysis — history, returns, DCA and operating performance tools
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