Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
United Community Banks, Inc.'s quarterly P/E stands at 11.0x, down 17.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 6.1% YoY to 8.4x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.81 | 10.99 | 11.20 | 11.82 | 12.13 | 13.24 | 19.13 | 11.79 | 12.90 | 66.50 | 16.29 | 11.79 | 13.52 |
| — | -17.0% | -41.5% | +0.3% | -6.0% | -80.1% | +17.5% | -0.0% | -4.6% | +482.4% | +45.7% | -4.7% | -33.2% | |
| P/S Ratio | 2.61 | 2.36 | 2.45 | 2.40 | 2.31 | 2.55 | 2.49 | 2.01 | 2.12 | 2.82 | 2.17 | 2.21 | 2.68 |
| — | -7.7% | -1.5% | +19.4% | +8.8% | -9.5% | +14.5% | -9.1% | -20.8% | -16.1% | -40.9% | -40.9% | -40.8% | |
| P/B Ratio | 1.12 | 1.05 | 1.07 | 1.00 | 0.97 | 1.13 | 1.02 | 0.91 | 0.96 | 1.07 | 0.95 | 0.93 | 1.06 |
| — | -7.4% | +4.1% | +9.7% | +1.1% | +5.1% | +7.2% | -2.1% | -9.7% | -19.7% | -28.8% | -23.3% | -23.3% | |
| P/FCF | 9.85 | 8.57 | 8.14 | 10.68 | 8.96 | 6.80 | — | 8.74 | 10.49 | 103.67 | 10.58 | 9.82 | 12.05 |
| — | +26.1% | — | +22.1% | -14.6% | -93.4% | — | -11.0% | -13.0% | +846.7% | +81.3% | +67.6% | +150.9% | |
| EV / EBITDA | 8.80 | 8.45 | 6.55 | 7.14 | 7.31 | 8.99 | 10.83 | 7.34 | 6.85 | 31.96 | 9.41 | 6.75 | 7.69 |
| — | -6.1% | -39.6% | -2.7% | +6.6% | -71.9% | +15.2% | +8.8% | -10.9% | +251.5% | +27.8% | +11.9% | +3.7% | |
| EV / EBIT | 9.52 | 8.45 | 7.14 | 7.99 | 8.22 | 9.87 | 12.82 | 8.18 | 7.78 | 63.31 | 11.05 | 7.70 | 8.86 |
| — | -14.4% | -44.2% | -2.3% | +5.8% | -84.4% | +16.0% | +6.2% | -12.2% | +525.6% | +33.8% | +13.6% | +0.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
United Community Banks, Inc.'s operating margin was 27.9% in Q4 2025, down 2.3 pp QoQ and up 2.5 pp YoY. Gross margin expanded 13.3% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 66.0% | 69.7% | 67.2% | 64.5% | 62.1% | 61.5% | 56.0% | 60.3% | 59.5% | 51.7% | 56.9% | 63.8% | 70.5% |
| — | +13.3% | +20.1% | +7.0% | +4.4% | +19.0% | -1.6% | -5.6% | -15.5% | -36.2% | -35.2% | -31.7% | -17.3% | |
| Operating Margin | 27.5% | 27.9% | 30.2% | 26.7% | 24.9% | 25.4% | 17.1% | 22.7% | 21.8% | 3.6% | 17.1% | 24.9% | 26.3% |
| — | +10.0% | +77.0% | +17.7% | +14.4% | +607.2% | -0.2% | -8.9% | -17.4% | -90.9% | -60.3% | -37.7% | -10.5% | |
| Net Margin | 21.4% | 21.4% | 23.4% | 20.9% | 19.5% | 20.0% | 13.5% | 17.6% | 16.9% | 4.5% | 13.7% | 19.4% | 20.5% |
| — | +7.3% | +73.3% | +19.0% | +15.7% | +340.0% | -1.3% | -9.1% | -17.8% | -85.0% | -59.5% | -37.8% | -12.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.3% | 2.4% | 2.5% | 2.2% | 2.1% | 2.2% | 1.4% | 2.0% | 1.9% | 0.4% | 1.5% | 2.0% | 2.2% |
| — | +7.8% | +81.0% | +10.4% | +7.9% | +407.1% | -7.8% | -2.0% | -11.5% | -85.7% | -50.4% | -18.1% | +10.4% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% |
| — | +11.9% | +87.1% | +15.0% | +12.1% | +429.2% | -3.7% | +0.5% | -8.2% | -84.8% | -46.7% | -11.5% | +17.9% | |
| ROIC | 8.2% | 2.2% | 2.4% | 2.0% | 1.8% | 1.9% | 1.2% | 1.8% | 1.7% | 0.2% | 1.3% | 1.8% | 1.6% |
| — | +17.0% | +94.1% | +13.3% | +6.5% | +711.0% | -5.6% | -0.6% | +2.6% | -89.9% | -50.9% | -17.3% | -0.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
United Community Banks, Inc.'s Debt/EBITDA ratio is 1.8x, up from 1.2x last quarter — comfortably within a safe range. The current ratio has weakened 20.7% YoY to 0.17x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.04 | 0.04 | 0.07 | 0.13 | 0.09 | 0.10 | 0.10 | 0.10 | 0.11 | 0.10 | 0.12 |
| — | -56.9% | -53.5% | -55.8% | -26.2% | +31.4% | -18.4% | -7.1% | -16.3% | -77.4% | -7.7% | -14.5% | -2.3% | |
| Debt / EBITDA | 0.45 | 1.82 | 1.20 | 1.38 | 2.48 | 4.25 | 4.47 | 3.39 | 3.54 | 14.71 | 5.16 | 3.49 | 3.92 |
| — | -57.1% | -73.1% | -59.3% | -30.0% | -71.1% | -13.2% | -2.8% | -9.8% | +45.6% | +84.6% | +4.0% | -13.0% | |
| Current Ratio | 0.17 | 0.17 | 0.19 | 0.19 | 0.21 | 0.21 | 0.20 | 0.18 | 0.19 | 0.19 | 0.17 | 0.18 | 0.18 |
| — | -20.7% | -8.5% | +6.7% | +11.8% | +12.3% | +19.0% | +1.1% | +1.9% | -7.4% | -17.0% | -26.4% | -32.7% | |
| Quick Ratio | 0.17 | 0.17 | 0.19 | 0.19 | 0.21 | 0.21 | 0.20 | 0.18 | 0.19 | 0.19 | 0.17 | 0.18 | 0.18 |
| — | -20.7% | -8.5% | +6.7% | +11.8% | +12.3% | +19.0% | +1.1% | +1.9% | -7.4% | -17.0% | -26.4% | -32.7% | |
| Interest Coverage | 0.89 | 1.04 | 0.98 | 0.82 | 0.74 | 0.72 | 0.43 | 0.62 | 0.59 | 0.08 | 0.50 | 0.85 | 1.18 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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United Community Banks, Inc.'s current P/E is 12.8x. The average P/E over the last 4 quarters is 11.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
United Community Banks, Inc.'s current operating margin is 27.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking United Community Banks, Inc.'s business trajectory between earnings reports.