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United Community Banks, Inc. UCBIO

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Price alert · UCBIO

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23.88 USD 0.00 0.00%

At close · Aug 5

23.88 Day range 24.35
20.76 52-week range 24.93
Open
24.15
Prev close
23.88
Mkt cap
2.85B
Vol
11.84K
Avg vol
6.25K
EPS
2.54
P/E
30.85
Div yield
0.00%
More statistics
Low
23.88
High
24.35
Beta
0.92
Inst. own
0.00%
Dividend
1.72

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Financial health

Altman Z-Score

0.37 Distress zone

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

Piotroski F-Score

8 / 9 Strong

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

Valuation

P/E 9.4×
FY 2016: 26.6×FY 2017: 39.1×FY 2018: 16.0×FY 2019: 0.0×FY 2020: 14.5×FY 2021: 9.4×FY 2022: 10.1×FY 2023: 15.0×FY 2024: 12.0×FY 2025: 9.4×
FY 2016 5y median 10.1× FY 2025
P/S 2.8×
FY 2016: 6.6×FY 2017: 6.0×FY 2018: 5.0×FY 2019: 3.5×FY 2020: 3.6×FY 2021: 3.3×FY 2022: 3.1×FY 2023: 3.4×FY 2024: 3.3×FY 2025: 2.8×
FY 2016 5y median 3.3× FY 2025
P/B 0.8×
FY 2016: 2.5×FY 2017: 2.0×FY 2018: 1.8×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/FCF 7.7×
FY 2016: 22.0×FY 2017: 14.3×FY 2018: 10.6×FY 2019: 15.0×FY 2020: 16.4×FY 2021: 7.3×FY 2022: 4.8×FY 2023: 11.4×FY 2024: 8.4×FY 2025: 7.7×
FY 2016 5y median 7.7× FY 2025
EV/EBITDA 64.7×
FY 2016: 213×FY 2017: 10.1×FY 2018: 4.8×FY 2019: 4.9×FY 2020: 35.9×FY 2021: -11.8×FY 2022: 0.0×FY 2023: -189×FY 2024: 75.4×FY 2025: 64.7×
FY 2016 5y median 0.0× FY 2025
EV/Sales 2.8×
FY 2016: 8.3×FY 2017: 6.8×FY 2018: 5.2×FY 2019: 2.9×FY 2020: 1.6×FY 2021: 0.5×FY 2022: 3.7×FY 2023: 2.5×FY 2024: 3.4×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
FCF Yield 12.9%
FY 2016: 4.6%FY 2017: 7.0%FY 2018: 9.5%FY 2019: 6.7%FY 2020: 6.1%FY 2021: 13.6%FY 2022: 20.8%FY 2023: 8.8%FY 2024: 11.9%FY 2025: 12.9%
FY 2016 5y median 12.9% FY 2025

Profitability

Gross Margin 62.4%
FY 2016: 80.9%FY 2017: 91.0%FY 2018: 98.2%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 92.2%FY 2022: 100.0%FY 2023: 163.1%FY 2024: 57.4%FY 2025: 62.4%
FY 2016 5y median 92.2% FY 2025
Operating Margin 60.1%
FY 2016: 41.2%FY 2017: 49.4%FY 2018: 52.1%FY 2019: 41.6%FY 2020: 32.8%FY 2021: 50.1%FY 2022: 45.2%FY 2023: 37.6%FY 2024: 54.6%FY 2025: 60.1%
FY 2016 5y median 50.1% FY 2025
Net Margin 30.9%
FY 2016: 24.9%FY 2017: 15.3%FY 2018: 31.2%FY 2019: 32.3%FY 2020: 25.7%FY 2021: 36.2%FY 2022: 32.0%FY 2023: 23.3%FY 2024: 28.0%FY 2025: 30.9%
FY 2016 5y median 30.9% 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 9.1%
FY 2016: 1.0%FY 2017: 0.7%FY 2018: 1.7%FY 2019: -17038.6%FY 2020: 3.0%FY 2021: 14.6%FY 2022: 15.9%FY 2023: 2.2%FY 2024: 6.1%FY 2025: 9.1%
FY 2016 5y median 9.1% 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 18.0%
FY 2016: 22.3%FY 2017: 10.1%FY 2018: 19.7%FY 2019: 8.0%FY 2020: 11.4%FY 2021: 16.4%FY 2022: 16.6%FY 2023: -7.4%FY 2024: 12.1%FY 2025: 18.0%
FY 2016 FY 2025
Operating Income 29.9%
FY 2016: 29.5%FY 2017: 32.1%FY 2018: 26.4%FY 2019: -13.9%FY 2020: -12.3%FY 2021: 78.2%FY 2022: 5.1%FY 2023: -22.9%FY 2024: 62.7%FY 2025: 29.9%
FY 2016 FY 2025
EPS (diluted) 28.4%
FY 2016: 40.3%FY 2017: -31.9%FY 2018: 143.8%FY 2019: 48.1%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 9.8%
FY 2016: 19.7%FY 2017: 53.1%FY 2018: 35.9%FY 2019: -47.3%FY 2020: 5.4%FY 2021: 137.4%FY 2022: 69.6%FY 2023: -57.7%FY 2024: 46.5%FY 2025: 9.8%
FY 2016 FY 2025

Financial Health

Current Ratio 47.5×
FY 2016: 536×FY 2017: 59.3×FY 2018: 18.7×FY 2019: 0.5×FY 2020: 1.3×FY 2021: 0.6×FY 2022: 4.5×FY 2023: 0.1×FY 2024: 24.7×FY 2025: 47.5×
FY 2016 5y median 4.5× FY 2025
Quick Ratio 47.5×
FY 2016: 585×FY 2017: 66.2×FY 2018: 21.0×FY 2019: 0.5×FY 2020: 1.3×FY 2021: 0.6×FY 2022: 4.5×FY 2023: 0.1×FY 2024: 24.7×FY 2025: 47.5×
FY 2016 5y median 4.5× 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 0.1×
FY 2016: 42.8×FY 2017: 1.2×FY 2018: 0.2×FY 2019: -0.9×FY 2020: -45.2×FY 2021: 60.2×FY 2022: 0.0×FY 2023: 62.9×FY 2024: 3.7×FY 2025: 0.1×
FY 2016 5y median 3.7× FY 2025
Interest Coverage 1.3×
FY 2016: 6.6×FY 2017: 6.5×FY 2018: 4.5×FY 2019: 2.9×FY 2020: 3.7×FY 2021: 12.5×FY 2022: 6.4×FY 2023: 0.7×FY 2024: 0.9×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 4.0%
FY 2016: 0.6%FY 2017: 1.0%FY 2018: 1.6%FY 2019: 2.7%FY 2020: 2.7%FY 2021: 3.0%FY 2022: 3.5%FY 2023: 4.1%FY 2024: 3.8%FY 2025: 4.0%
FY 2016 5y median 3.8% FY 2025
Payout Ratio 36.1%
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: 44.5%FY 2025: 36.1%
FY 2016 5y median 36.1% FY 2025

Annual · latest fiscal year ends 2025-12-31