Trailing Dividend / Share
$0.97
United Community Banks, Inc. (UCB) Dividend History
Income profile from 2002 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.7%
Payout Ratio
36.1%
Sustainable
Dividend Streak
11 years
UCB Dividend Income Check
Safety
36.1% payout ratio with sustainable safety profile.
Consistency
11 straight years of dividend increases.
Income Trend
Yield on cost is 3.5% and trend is rising.
UCB Dividend Scorecard
Yield & Income
Dividend Yield2.7%
Trailing DPS$0.97
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout36.1%
Earnings SafetySustainable
FCF Payout31.0%
FCF SafetyWell Covered
Piotroski F-Score8/9
Growth
Growth Streak11 years
3Y CAGR4.5%
5Y CAGR6.4%
Yield on Cost (5Y)3.5%
YOC Trendrising
Total Returns
Buyback Yield3.2%
Total Shareholder Yield5.9%
1Y Total Return22.4%
5Y Total Return19.0%
Div Contribution (5Y)14.0%
Estimated $10K growth (return + dividends):
5Y ago$11,90010Y ago$23,36120Y ago$3,361
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
UCB Income Growth Story
Dividend per share and yield on cost over time (20 years of payments)
UCB Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
United Community Banks, Inc. distributes 36.1% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 31.0%, rated "Well Covered".
Piotroski F-Score: 8/9 — strong financial health.
Growth Track Record
UCB has raised its dividend for 11 consecutive years, with a 3-year CAGR of 4.5% and 5-year CAGR of 6.4%.
Total Shareholder Returns
Beyond cash dividends, UCB returns capital through share repurchases. The combined picture: 2.7% dividend yield, 3.2% buyback yield, 5.9% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.5% and is currently rising. The 5-year total return is 19.0%, with dividends contributing 14.0% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $23,361 today.
UCB Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$4.60
Avg/Payment$0.2300
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 15, 2026Latest | $0.2500 | — | 2.99% | Jul 3, 2026 |
| Mar 13, 2026 | $0.2500 | — | 3.31% | Apr 3, 2026 |
| Dec 15, 2025 | $0.2500 | — | 3.04% | Jan 5, 2026 |
| Sep 15, 2025 | $0.2500 | ↑ +4.2% | 3.06% | Oct 3, 2025 |
| Jun 13, 2025 | $0.2400 | — | 3.40% | Jul 3, 2025 |
| Mar 14, 2025 | $0.2400 | — | 3.34% | Apr 4, 2025 |
| Dec 16, 2024 | $0.2400 | — | 2.83% | Jan 6, 2025 |
| Sep 16, 2024 | $0.2400 | ↑ +4.3% | 3.19% | Oct 4, 2024 |
UCB Dividend vs Peers
Comparable companies in the same industry
#5 yield in peer group
Div Yield
2.7%
#5 of 9
Safety
Sustainable
36.1% payout
Streak
11Y
6.4% 5Y CAGR
Total Shareholder
5.9%
#2 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| UCBUnited Community Ban… | $4.3B | 2.7% | 36.1% | 11 | Sustainable |
1st  SFNCSimmons First Nation… | $3.3B | 3.7% | — | 14 | Unknown |
 HOMBHome Bancshares, Inc… | $5.9B | 2.7% | 33.4% | 15 | Sustainable |
 SRCE1st Source Corporati… | $2.0B | 1.9% | 24.3% | 9 | Sustainable |
 GABCGerman American Banc… | $1.8B | 2.5% | 38.4% | 13 | Sustainable |
 CBSHCommerce Bancshares,… | $8.4B | 1.9% | 26.5% | 8 | Sustainable |
 BOKFBOK Financial Corpor… | $8.5B | 1.7% | 25.5% | 21 | Sustainable |
3rd  IBCPIndependent Bank Cor… | $747M | 2.9% | 31.5% | 11 | Sustainable |
2nd  NBTBNBT Bancorp Inc. | $2.6B | 2.9% | 42.9% | 13 | Sustainable |
UCB Annual Dividend History (1996–2026)
31 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.50 | — | 2 | — | — | — | 1.8% |
| 2025 | $0.98 | 4.3% | 4 | $2.62 | 37.4% | 2.67x | 3.5% |
| 2024 | $0.94 | 2.2% | 4 | $2.04 | 46.1% | 2.17x | 3.3% |
| 2023 | $0.92 | 7.0% | 4 | $1.54 | 59.7% | 1.67x | 3.3% |
| 2022 | $0.86 | 10.3% | 4 | $2.52 | 34.1% | 2.93x | 3.1% |
| 2021 | $0.78 | 8.3% | 4 | $2.97 | 26.3% | 3.81x | 2.8% |
| 2020 | $0.72 | 5.9% | 4 | $1.91 | 37.7% | 2.65x | 2.6% |
| 2019 | $0.68 | 17.2% | 4 | $2.31 | 29.4% | 3.40x | 2.4% |
| 2018 | $0.58 | 52.6% | 4 | $2.07 | 28.0% | 3.57x | 2.1% |
| 2017 | $0.38 | 26.7% | 4 | $0.92 | 41.3% | 2.42x | 1.3% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
24+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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UCB — Frequently Asked Questions
Quick answers to the most common questions about buying UCB stock.
How much dividend does UCB pay per share?
United Community Banks, Inc. (UCB) pays a trailing 12-month dividend of $0.97 per share, with a current dividend yield of +2.7%. Payments are made Semi-Annual.
When is UCB's next ex-dividend date?
UCB's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. UCB typically pays dividends Semi-Annual.
Is UCB's dividend safe?
UCB's dividend safety is rated "Sustainable" based on an earnings payout ratio of +36.1% and FCF payout ratio of +31.0%. With 11 consecutive years of dividend growth, the track record supports sustainability.
Is UCB a Dividend Achiever?
Yes, United Community Banks, Inc. is classified as a Dividend Achiever with 11 consecutive years of dividend increases. The 5-year dividend CAGR is +6.4%, demonstrating above-inflation dividend growth.
How often does UCB pay dividends?
United Community Banks, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.97 per share. Dividend data on this page covers 24+ years from 2002 to 2026.
How much would $10,000 invested in UCB grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in UCB five years ago would be worth approximately $11,900 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is UCB's yield on cost for long-term holders?
UCB's yield on cost — the current dividend divided by the original purchase price — is +3.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.7% market yield, thanks to consistent dividend growth.