United Community Banks, Inc. (UCB) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
8.80
+3% vs avg
5yr avg: 8.53
30Y Low3.2·High20.9
P/FCF
↓
9.85
-8% vs avg
5yr avg: 10.72
30Y Low0.2·High52.2
P/B Ratio
↓
1.12
-6% vs avg
5yr avg: 1.20
30Y Low0.0·High2.4
ROE
↓
9.3%
-2% vs avg
5yr avg: 9.4%
30Y Low-63%·High40%
Debt/EBITDA
↓
0.45
↓-66% vs avg
5yr avg: 1.31
30Y Low0.4·High13.2
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UCB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
United Community Banks, Inc. trades at 12.8x earnings, 11% below its 5-year average of 14.5x, sitting at the 36th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.1x. On a free-cash-flow basis, the stock trades at 9.9x P/FCF, 8% below the 5-year average of 10.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $4.0B | $3.8B | $3.9B | $3.4B | $3.6B | $3.2B | $2.4B | $2.5B | $1.7B | $2.1B | $2.1B |
| Enterprise Value | $4.0B | $3.8B | $3.8B | $2.8B | $4.3B | $1.1B | $1.1B | $2.2B | $1.8B | $2.4B | $2.8B |
| P/E Ratio → | 12.81 | 11.92 | 15.84 | 19.00 | 13.41 | 12.10 | 14.89 | 13.37 | 10.37 | 30.59 | 21.16 |
| P/S Ratio | 2.61 | 2.47 | 2.62 | 2.67 | 3.89 | 4.42 | 3.40 | 3.84 | 2.96 | 4.44 | 4.97 |
| P/B Ratio | 1.12 | 1.05 | 1.13 | 1.06 | 1.34 | 1.42 | 1.18 | 1.50 | 1.17 | 1.58 | 1.98 |
| P/FCF | 9.85 | 9.33 | 12.80 | 15.56 | 6.39 | 9.51 | 16.88 | 18.51 | 6.77 | 11.10 | 17.38 |
| P/OCF | 9.23 | 8.74 | 11.08 | 11.72 | 5.94 | 8.81 | 14.92 | 15.99 | 6.33 | 9.91 | 15.22 |
P/E links to full P/E history page with 30-year chart
UCB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
United Community Banks, Inc.'s enterprise value stands at 8.8x EBITDA, roughly in line with its 5-year average of 8.5x. The Financial Services sector median is 11.5x, placing the stock at a 23% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.48 | 2.57 | 2.14 | 4.62 | 1.57 | 1.56 | 3.37 | 3.13 | 5.22 | 6.52 |
| EV / EBITDA | 8.80 | 8.34 | 10.45 | 9.97 | 10.65 | 3.25 | 5.41 | 8.22 | 7.33 | 12.09 | 14.50 |
| EV / EBIT | 9.52 | 9.01 | 11.78 | 11.90 | 12.05 | 3.23 | 5.18 | 9.04 | 8.38 | 14.02 | 17.16 |
| EV / FCF | — | 9.34 | 12.57 | 12.49 | 7.60 | 3.37 | 7.74 | 16.23 | 7.17 | 13.04 | 22.83 |
UCB Profitability
Margins and return-on-capital ratios measuring operating efficiency
United Community Banks, Inc. earns an operating margin of 27.5%, above the Financial Services sector average of 21.6%. Operating margins have expanded from 18.0% to 27.5% over the past 3 years, signaling improving operational efficiency. ROE of 9.3% is modest, trailing the sector median of 9.4%. ROIC of 8.2% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.0% | 66.0% | 59.4% | 60.6% | 86.6% | 101.1% | 80.4% | 85.0% | 87.7% | 91.9% | 94.3% |
| Operating Margin | 27.5% | 27.5% | 21.8% | 18.0% | 38.3% | 48.6% | 30.1% | 37.2% | 37.4% | 37.3% | 38.0% |
| Net Profit Margin | 21.4% | 21.4% | 17.0% | 14.5% | 29.9% | 37.7% | 23.6% | 29.0% | 28.8% | 14.6% | 23.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.3% | 9.3% | 7.5% | 6.3% | 11.3% | 12.8% | 9.0% | 12.0% | 12.0% | 5.7% | 9.6% |
| ROA | 1.2% | 1.2% | 0.9% | 0.7% | 1.2% | 1.4% | 1.1% | 1.5% | 1.4% | 0.6% | 1.0% |
| ROIC | 8.2% | 8.2% | 6.5% | 4.7% | 8.4% | 10.9% | 7.5% | 9.6% | 8.4% | 6.6% | 6.8% |
| ROCE | 10.3% | 10.3% | 8.0% | 6.2% | 11.8% | 14.3% | 9.9% | 13.2% | 11.7% | 8.8% | 9.0% |
UCB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
United Community Banks, Inc. carries a Debt/EBITDA ratio of 0.4x, which is very conservative (89% below the sector average of 4.1x). Net debt stands at $3M ($205M total debt minus $203M cash). Interest coverage of just 0.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.13 | 0.10 | 0.44 | 0.11 | 0.16 | 0.13 | 0.29 | 0.52 | 0.82 |
| Debt / EBITDA | 0.45 | 0.45 | 1.23 | 1.17 | 2.96 | 0.72 | 1.63 | 0.81 | 1.73 | 3.37 | 4.58 |
| Net Debt / Equity | — | 0.00 | -0.02 | -0.21 | 0.25 | -0.92 | -0.64 | -0.18 | 0.07 | 0.28 | 0.62 |
| Net Debt / EBITDA | 0.01 | 0.01 | -0.19 | -2.45 | 1.69 | -5.91 | -6.38 | -1.15 | 0.40 | 1.80 | 3.46 |
| Debt / FCF | — | 0.01 | -0.23 | -3.07 | 1.21 | -6.14 | -9.14 | -2.27 | 0.40 | 1.94 | 5.44 |
| Interest Coverage | 0.89 | 0.89 | 0.59 | 0.55 | 5.86 | 11.69 | 3.72 | 2.87 | 3.52 | 5.12 | 6.46 |
UCB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.17x is below 1.0, meaning current liabilities exceed current assets.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.17 | 0.17 | 0.21 | 0.19 | 0.20 | 0.37 | 0.32 | 0.26 | 0.28 | 0.30 | 0.31 |
| Quick Ratio | 0.17 | 0.17 | 0.21 | 0.19 | 0.20 | 0.37 | 0.32 | 0.26 | 0.28 | 0.30 | 0.31 |
| Cash Ratio | 0.01 | 0.01 | 0.02 | 0.04 | 0.02 | 0.12 | 0.10 | 0.05 | 0.03 | 0.03 | 0.02 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
UCB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
United Community Banks, Inc. returns 6.3% to shareholders annually — split between a 2.9% dividend yield and 3.4% buyback yield. The payout ratio of 36.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.9% | 3.1% | 2.9% | 3.1% | 2.4% | 2.1% | 2.5% | 2.2% | 2.4% | 1.3% | 0.7% |
| Payout Ratio | 36.1% | 36.1% | 44.5% | 56.0% | 31.3% | 24.8% | 35.9% | 28.6% | 25.1% | 38.6% | 15.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.8% | 8.4% | 6.3% | 5.3% | 7.5% | 8.3% | 6.7% | 7.5% | 9.6% | 3.3% | 4.7% |
| FCF Yield | 10.2% | 10.7% | 7.8% | 6.4% | 15.6% | 10.5% | 5.9% | 5.4% | 14.8% | 9.0% | 5.8% |
| Buyback Yield | 3.4% | 3.6% | 0.0% | 0.2% | 0.0% | 0.5% | 0.9% | 0.6% | 0.1% | 0.1% | 1.2% |
| Total Shareholder Yield | 6.3% | 6.7% | 2.9% | 3.3% | 2.4% | 2.6% | 3.4% | 2.8% | 2.6% | 1.4% | 1.9% |
| Shares Outstanding | — | $122M | $120M | $118M | $107M | $88M | $83M | $80M | $80M | $73M | $72M |
Peer Comparison
Compare UCB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UCBYou | $4B | 12.8 | 8.8 | 9.9 | 66.0% | 27.5% | 9.3% | 8.2% | 0.4 |
 SFNC | $3B | -7.2 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 HOMB | $5B | 13.4 | 10.1 | 12.5 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 SRCE | $2B | 11.4 | 9.6 | 8.4 | 70.3% | 34.2% | 12.7% | 9.7% | 1.6 |
 GABC | $2B | 14.4 | 12.6 | 10.8 | 70.2% | 28.7% | 12.0% | 9.3% | 1.3 |
 CBSH | $8B | 12.9 | 12.9 | 13.0 | 80.0% | 34.2% | 15.8% | 8.4% | 3.9 |
 BOKF | $10B | 16.4 | 17.2 | 7.2 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 IBCP | $699M | 10.4 | 9.4 | 10.0 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 WSFS | $4B | 14.2 | 6.8 | 17.8 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
 TRMK | $3B | 12.1 | 9.5 | 11.4 | 71.0% | 25.5% | 11.0% | 7.1% | 3.4 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
See UCB's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs UCB Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare UCB vs SFNC
Side-by-side business, growth, and profitability comparison vs Simmons First National Corporation.
Start ComparisonUCB — Frequently Asked Questions
Quick answers to the most common questions about buying UCB stock.
What is United Community Banks, Inc.'s P/E ratio?
United Community Banks, Inc.'s current P/E ratio is 12.8x. The historical average is 14.4x. This places it at the 36th percentile of its historical range.
What is United Community Banks, Inc.'s EV/EBITDA?
United Community Banks, Inc.'s current EV/EBITDA is 8.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.8x.
What is United Community Banks, Inc.'s ROE?
United Community Banks, Inc.'s return on equity (ROE) is 9.3%. The historical average is 6.4%.
Is UCB stock overvalued?
Based on historical data, United Community Banks, Inc. is trading at a P/E of 12.8x. This is at the 36th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is United Community Banks, Inc.'s dividend yield?
United Community Banks, Inc.'s current dividend yield is 2.90% with a payout ratio of 36.1%.
What are United Community Banks, Inc.'s profit margins?
United Community Banks, Inc. has 66.0% gross margin and 27.5% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does United Community Banks, Inc. have?
United Community Banks, Inc.'s Debt/EBITDA ratio is 0.4x, indicating low leverage. A ratio below 2x is generally considered financially healthy.