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United Community Banks, Inc. UCB

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Price alert · UCB

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36.73 USD -0.48 -1.29%

At close

36.73 0.00 0.00%

Pre-market · Nov 2, 8:24 AM ET

Bid
36.68 × 400
Ask
36.72 × 300
36.53 Day range 37.38
28.65 52-week range 37.45
YTD
+17.65%
1 year
+25.49%
Open
37.43
Prev close
37.21
Mkt cap
4.40B
Vol
1.05M
Avg vol
902.45K
EPS
3.06
P/E
12.00
Div yield
2.79%
More statistics
Low
36.53
High
37.38
Forward P/E
10.64
Beta
0.90
Short ratio
5.70
Inst. own
89.55%
Dividend
1.04
Ex-div date
Sep 14, 2026
Earnings
Jan 13, 2027
50-d avg
34.80
200-d avg
34.06
1y target
40.88

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Financial health

Altman Z-Score

-0.51 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 1
  • P/B 3

Valuation

P/E 11.9×
FY 2016: 21.2×FY 2017: 30.6×FY 2018: 10.4×FY 2019: 13.4×FY 2020: 14.9×FY 2021: 12.1×FY 2022: 13.4×FY 2023: 19.0×FY 2024: 15.8×FY 2025: 11.9×
FY 2016 5y median 13.4× FY 2025
P/S 2.5×
FY 2016: 5.0×FY 2017: 4.4×FY 2018: 3.0×FY 2019: 3.8×FY 2020: 3.4×FY 2021: 4.4×FY 2022: 3.9×FY 2023: 2.7×FY 2024: 2.6×FY 2025: 2.5×
FY 2016 5y median 2.7× FY 2025
P/B 1.0×
FY 2016: 2.0×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025
P/FCF 9.3×
FY 2016: 17.4×FY 2017: 11.1×FY 2018: 6.8×FY 2019: 18.5×FY 2020: 16.9×FY 2021: 9.5×FY 2022: 6.4×FY 2023: 15.5×FY 2024: 12.8×FY 2025: 9.3×
FY 2016 5y median 9.5× FY 2025
EV/EBITDA 8.1×
FY 2016: 14.5×FY 2017: 12.1×FY 2018: 7.3×FY 2019: 8.2×FY 2020: 5.4×FY 2021: 3.2×FY 2022: 10.6×FY 2023: 10.0×FY 2024: 10.4×FY 2025: 8.1×
FY 2016 5y median 10.0× FY 2025
EV/Sales 2.5×
FY 2016: 6.5×FY 2017: 5.2×FY 2018: 3.1×FY 2019: 3.4×FY 2020: 1.6×FY 2021: 1.6×FY 2022: 4.6×FY 2023: 2.1×FY 2024: 2.6×FY 2025: 2.5×
FY 2016 5y median 2.5× FY 2025
FCF Yield 10.7%
FY 2016: 5.8%FY 2017: 9.0%FY 2018: 14.8%FY 2019: 5.4%FY 2020: 5.9%FY 2021: 10.5%FY 2022: 15.7%FY 2023: 6.4%FY 2024: 7.8%FY 2025: 10.7%
FY 2016 5y median 10.5% FY 2025

Profitability

Gross Margin 66.0%
FY 2016: 94.3%FY 2017: 91.9%FY 2018: 87.7%FY 2019: 85.0%FY 2020: 80.4%FY 2021: 101.1%FY 2022: 86.6%FY 2023: 60.6%FY 2024: 59.4%FY 2025: 66.0%
FY 2016 5y median 66.0% FY 2025
Operating Margin 27.5%
FY 2016: 38.0%FY 2017: 37.3%FY 2018: 37.4%FY 2019: 37.2%FY 2020: 30.1%FY 2021: 48.6%FY 2022: 38.3%FY 2023: 18.0%FY 2024: 21.8%FY 2025: 27.5%
FY 2016 5y median 27.5% FY 2025
Net Margin 21.4%
FY 2016: 23.5%FY 2017: 14.6%FY 2018: 28.8%FY 2019: 29.0%FY 2020: 23.6%FY 2021: 37.7%FY 2022: 29.9%FY 2023: 14.5%FY 2024: 17.0%FY 2025: 21.4%
FY 2016 5y median 21.4% FY 2025
ROE 9.0%
FY 2016: 9.4%FY 2017: 5.2%FY 2018: 11.4%FY 2019: 11.4%FY 2020: 8.2%FY 2021: 12.1%FY 2022: 10.3%FY 2023: 5.8%FY 2024: 7.4%FY 2025: 9.0%
FY 2016 5y median 9.0% FY 2025
ROIC 1.2%
FY 2016: 5.1%FY 2017: 3.4%FY 2018: 8.7%FY 2019: 10.0%FY 2020: 6.9%FY 2021: 10.8%FY 2022: 7.2%FY 2023: 4.7%FY 2024: 5.9%FY 2025: 1.2%
FY 2016 5y median 5.9% FY 2025
ROA 1.2%
FY 2016: 0.9%FY 2017: 0.6%FY 2018: 1.3%FY 2019: 1.4%FY 2020: 0.9%FY 2021: 1.3%FY 2022: 1.2%FY 2023: 0.7%FY 2024: 0.9%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 3.8%
FY 2016: 22.1%FY 2017: 8.2%FY 2018: 24.5%FY 2019: 11.0%FY 2020: 8.5%FY 2021: 3.0%FY 2022: 29.7%FY 2023: 39.0%FY 2024: 14.6%FY 2025: 3.8%
FY 2016 FY 2025
Operating Income 30.8%
FY 2016: 41.7%FY 2017: 6.0%FY 2018: 24.9%FY 2019: 10.6%FY 2020: -12.3%FY 2021: 66.0%FY 2022: 2.4%FY 2023: -34.7%FY 2024: 38.9%FY 2025: 30.8%
FY 2016 FY 2025
EPS (diluted) 28.4%
FY 2016: 28.4%FY 2017: -34.3%FY 2018: 125.0%FY 2019: 11.6%FY 2020: -17.3%FY 2021: 55.5%FY 2022: -15.2%FY 2023: -38.9%FY 2024: 32.5%FY 2025: 28.4%
FY 2016 FY 2025
Free Cash Flow 34.7%
FY 2016: 19.1%FY 2017: 51.6%FY 2018: 35.9%FY 2019: -47.3%FY 2020: 5.4%FY 2021: 137.4%FY 2022: 69.6%FY 2023: -60.8%FY 2024: 36.7%FY 2025: 34.7%
FY 2016 FY 2025

Financial Health

Current Ratio 47.5×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 47.5×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 47.5×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 47.5×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 0.8×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.0×
FY 2016: 3.5×FY 2017: 1.8×FY 2018: 0.4×FY 2019: -1.2×FY 2020: -6.4×FY 2021: -5.9×FY 2022: 1.7×FY 2023: -2.4×FY 2024: -0.2×FY 2025: 0.0×
FY 2016 5y median -0.2× FY 2025
Interest Coverage 0.9×
FY 2016: 6.5×FY 2017: 5.1×FY 2018: 3.5×FY 2019: 2.9×FY 2020: 3.7×FY 2021: 11.7×FY 2022: 5.9×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 3.2%
FY 2016: 0.7%FY 2017: 1.3%FY 2018: 2.4%FY 2019: 2.2%FY 2020: 2.6%FY 2021: 2.3%FY 2022: 2.6%FY 2023: 3.2%FY 2024: 3.1%FY 2025: 3.2%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 37.6%
FY 2016: 15.8%FY 2017: 38.6%FY 2018: 25.1%FY 2019: 28.6%FY 2020: 38.1%FY 2021: 27.3%FY 2022: 33.8%FY 2023: 59.6%FY 2024: 47.0%FY 2025: 37.6%
FY 2016 5y median 37.6% FY 2025

Annual · latest fiscal year ends 2025-12-31