United Community Banks Statistics
Total Valuation
UCB has a market cap or net worth of $3.79 billion. The enterprise value is $3.39 billion.
Important Dates
The last earnings date was Wednesday, July 23, 2025, before market open.
| Earnings Date | Jul 23, 2025 |
| Ex-Dividend Date | Jun 13, 2025 |
Share Statistics
UCB has 121.47 million shares outstanding. The number of shares has increased by 0.58% in one year.
| Current Share Class | 121.47M |
| Shares Outstanding | 121.47M |
| Shares Change (YoY) | +0.58% |
| Shares Change (QoQ) | +1.02% |
| Owned by Insiders (%) | 0.48% |
| Owned by Institutions (%) | 84.32% |
| Float | 120.86M |
Valuation Ratios
The trailing PE ratio is 14.18 and the forward PE ratio is 11.26.
| PE Ratio | 14.18 |
| Forward PE | 11.26 |
| PS Ratio | 4.07 |
| Forward PS | 3.44 |
| PB Ratio | 1.08 |
| P/TBV Ratio | 1.49 |
| P/FCF Ratio | 11.87 |
| P/OCF Ratio | 10.79 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.78 |
| EV / Sales | 3.68 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 10.62 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.68 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 7.86%.
| Return on Equity (ROE) | 7.86% |
| Return on Assets (ROA) | 0.99% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $309,834 |
| Profits Per Employee | $89,087 |
| Employee Count | 2,979 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, UCB has paid $74.56 million in taxes.
| Income Tax | 74.56M |
| Effective Tax Rate | 21.43% |
Stock Price Statistics
The stock price has increased by +12.27% in the last 52 weeks. The beta is 0.85, so UCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.85 |
| 52-Week Price Change | +12.27% |
| 50-Day Moving Average | 30.29 |
| 200-Day Moving Average | 30.36 |
| Relative Strength Index (RSI) | 55.72 |
| Average Volume (20 Days) | 695,798 |
Short Selling Information
The latest short interest is 2.22 million, so 1.82% of the outstanding shares have been sold short.
| Short Interest | 2.22M |
| Short Previous Month | 2.69M |
| Short % of Shares Out | 1.82% |
| Short % of Float | 1.83% |
| Short Ratio (days to cover) | 3.26 |
Income Statement
In the last 12 months, UCB had revenue of $922.99 million and earned $265.39 million in profits. Earnings per share was $2.20.
| Revenue | 922.99M |
| Gross Profit | 922.99M |
| Operating Income | 385.09M |
| Pretax Income | 231.32M |
| Net Income | 265.39M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.20 |
Full Income StatementBalance Sheet
The company has $614.78 million in cash and $216.02 million in debt, giving a net cash position of $398.76 million or $3.28 per share.
| Cash & Cash Equivalents | 614.78M |
| Total Debt | 216.02M |
| Net Cash | 398.76M |
| Net Cash Per Share | $3.28 |
| Equity (Book Value) | 3.61B |
| Book Value Per Share | 29.03 |
| Working Capital | -23.59B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $351.30 million and capital expenditures -$31.91 million, giving a free cash flow of $319.39 million.
| Operating Cash Flow | 351.30M |
| Capital Expenditures | -31.91M |
| Free Cash Flow | 319.39M |
| FCF Per Share | $2.63 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 41.72% |
| Pretax Margin | 37.69% |
| Profit Margin | 29.61% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 34.60% |
Dividends & Yields
This stock pays an annual dividend of $0.96, which amounts to a dividend yield of 3.08%.
| Dividend Per Share | $0.96 |
| Dividend Yield | 3.08% |
| Dividend Growth (YoY) | 4.35% |
| Years of Dividend Growth | 10 |
| Payout Ratio | 43.62% |
| Buyback Yield | -0.58% |
| Shareholder Yield | 2.46% |
| Earnings Yield | 7.00% |
| FCF Yield | 8.42% |
Dividend DetailsAnalyst Forecast
The average price target for UCB is $33.83, which is 8.40% higher than the current price. The consensus rating is "Buy".
| Price Target | $33.83 |
| Price Target Difference | 8.40% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on June 20, 2011. It was a reverse split with a ratio of 1:5.
| Last Split Date | Jun 20, 2011 |
| Split Type | Reverse |
| Split Ratio | 1:5 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |