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United Community Banks, Inc.

UCB Financial Banks Regional

United Community Banks, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.5 billion, up 2.30% from fiscal 2024.

Revenue
−75.0%
EPS
−263.4%
Free cash flow
+43.3%
Total debt
−74.4%

Quarter to September 2026, against a year earlier

37.01 0.65 −1.73%
Market cap
$4.4B
P/E
31.1×
Fwd P/E
28.2×
Dividend yield
2.73%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.07
Sold, $m 2.38
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 1 — — —
Sell — 1 2 — 1 — — 2 — — 1 —
Insider Ownership 1.19%

Capital & Financial Ratios $m

Size
Market Cap 4,430.00
Revenue ttm 1,246.68
Net income ttm 377.88
Free cash flow ttm 361.19
Net debt Q (835.68)
Valuation
P/E 31.10
Forward P/E 28.20
Price / sales 3.58
Forward P/S Powerpack
Price / FCF 12.34
Price / book 1.27
Financial health
Current ratio Q 0.78
Debt / equity Q 0.01
Interest coverage Q —
Growth
Revenue growth Q −74.97% (below 0%: shrinking)
Operating income growth Q −246.21% (below 0%: shrinking)
EPS, this year +11.56%
EPS, next year A +14.16%
Revenue, next year A −26.15% (below 0%: weak)
EPS, past 5 yrs +6.53%
EPS, next 5 yrs A +11.07%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 97.62%
10-year low 10-year high
P/S against its own 10 years 54.57%
10-year low 10-year high
P/B against its own 10 years 46.24%
10-year low 10-year high

Dividends

Yield
2.73%
Annual rate
1.01
Payout ratio
85.6%
Growth, 2017–25
+12.6%/yr
  1. 0.38 ’17
  2. 0.58 ’18 +53
  3. 0.68 ’19 +17
  4. 1.93 ’20 +184
  5. 0.78 ’21 −60
  6. 0.86 ’22 +10
  7. 0.92 ’23 +7
  8. 1.18 ’24 +28
  9. 0.98 ’25 −17
  10. 1.02 ’26e +4
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,004 520 396 875
Receivables — — — —
Inventory — — — —
Other — — — —
19,235 18,632 19,693 19,719
2023 2024 2025 Q'26
Payables 23,311 23,461 23,798 24,888
ST’ Debt — — — —
Other — — — —
23,626 23,956 24,190 25,335

Compound Annual Growth %

10y 5y 3y
Sales 15.91% 16.57% 17.36%
Cash Flow 12.97% 19.34% (14.17%)
Earnings 16.10% 14.84% 5.74%
Book Value 13.58% 12.63% 10.45%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.77 Actual 0.77

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.73 0.71 Miss by 0.02
Q1 FY26 0.71 0.70 Miss by 0.01
Q2 FY26 0.80 0.71 Miss by 0.09
Q3 FY26 0.77 0.77 Met by 0.00
Q4 FY26 0.82 — Reports 13 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.69 0.95 (1.16) — —
’25 0.58 0.63 0.70 0.70 2.62
’24 0.51 0.54 0.38 0.61 2.04
’23 0.52 0.53 0.39 0.11 1.54
’22 0.43 0.61 0.74 0.74 2.52
’21 0.82 0.78 0.82 0.55 2.97
’20 0.40 0.32 0.52 0.66 1.91
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 378 383 99 — —
’25 371 382 397 387 1,537
’24 376 384 357 385 1,502
’23 310 332 355 316 1,313
’22 210 221 246 274 951
’21 186 182 188 181 737
’20 162 164 190 197 714
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 69 131 — — —
’25 99 97 123 65 384
’24 89 105 8 148 350
’23 90 95 87 22 294
’22 200 147 161 99 607
’21 35 128 120 76 359
’20 (11) 26 38 105 159
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 62 121 — — —
’25 94 85 118 60 356
’24 75 87 (2) 143 303
’23 70 74 72 6 221
’22 196 139 152 87 574
’21 32 116 117 72 337
’20 (13) 25 36 93 141
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 429 478 593 657 714 737 951 1,313 1,502 1,537 1,247 +15.2% 1,135 1,200 1,264 (6.3%)
Gross margin, % 94.11 92.94 89.66 87.33 92.12 95.96 93.61 68.05 63.37 69.17 65.95 (24.9) pt
EBT 163 173 216 239 209 348 356 233 323 422 186 +11.2%
EBT margin, % 38.02 36.16 36.41 36.31 29.33 47.21 37.44 17.72 21.50 27.48 14.92 (10.5) pt
Net income 101 68 166 186 164 270 277 188 252 328 378 +14.0%
Per share, $
Per share, $ Revenue 5.96 6.53 7.44 8.25 8.58 8.38 8.91 11.16 12.54 12.67 10.35 +8.7%
Earnings 1.40 0.92 2.07 2.31 1.91 2.97 2.52 1.54 2.04 2.62 1.19 +7.2%
Cash flow 1.95 2.84 3.39 1.93 1.91 4.09 5.69 2.50 2.92 3.17 0.00 +5.6%
Capex (0.17) (0.26) (0.14) (0.18) (0.21) (0.25) (0.31) (0.62) (0.39) (0.23) 0.00 +3.2%
Free cash flow 1.77 2.58 3.25 1.75 1.70 3.83 5.38 1.88 2.53 2.94 0.00 +5.8%
Book value 14.96 17.79 18.30 20.52 24.13 25.27 25.32 27.73 28.65 30.00 29.12 +8.0%
Shares, m 72 73 80 80 83 88 107 118 120 121 121 +6.0%
Valuation, ×
Valuation, × P/E 21.21 29.80 10.42 13.37 14.97 12.06 13.37 18.82 15.84 11.87 31.10 16.2
P/S 4.98 4.29 2.88 3.74 3.31 4.29 3.78 2.61 2.58 2.46 3.58 3.5
P/B 1.98 1.57 1.17 1.50 1.24 1.49 1.38 1.08 1.16 1.04 1.27 1.4
EV/Sales 6.54 4.94 3.05 3.28 1.52 1.48 4.02 2.10 2.40 2.28 — 3.2
EV/FCF 21.96 12.51 6.99 15.46 7.68 3.23 6.66 12.42 11.91 9.85 — 10.9
Cash, $m
Cash, $m Operating cash flow 140 208 270 154 159 359 607 294 350 384 388 +11.9%
Capex (12) (19) (11) (14) (18) (22) (33) (72) (47) (28) (27) +9.4%
Free cash flow 128 189 259 140 141 337 574 221 303 356 361 +12.1%
Balance, $m
Balance, $m Working capital (1,587) (1,905) (1,958) (1,695) (2,435) (4,389) (4,425) (4,391) (5,324) (4,498) (5,616) +12.3%
Net debt 667 311 100 (303) (1,282) (2,071) 228 (679) (266) (275) (836) n/m
Shareholders’ equity 1,076 1,303 1,458 1,636 2,008 2,222 2,701 3,262 3,432 3,639 3,507 +14.5%
Returns, %
Returns, % ROA 0.99 0.59 1.35 1.45 1.04 1.35 1.20 0.70 0.89 1.14 0.51 +0.1 pt
ROIC 6.14 7.23 8.88 11.51 18.64 149.63 8.01 6.29 6.55 8.04 4.56 +1.9 pt
ROE 9.66 5.65 11.95 11.92 8.98 12.94 11.38 6.26 7.51 9.11 4.07 (0.6) pt
People
People Employees 1,916 2,137 2,312 2,309 2,406 2,921 3,046 3,121 2,979 3,070 — +5.4%
Revenue/emp, $m 0.22 0.22 0.26 0.28 0.30 0.25 0.31 0.42 0.50 0.50 — +9.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

United Community Banks, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
TFSL TFS Financial Corporation $4.6B 45.8× 46.1× +5.82% (above 0%: growing) +37.50% (above 0%: growing) +16.04% (above 0%: growing) 42.51% 0.00% Compare
FULT Fulton Financial Corporation $4.5B 11.0× 10.7× +7.63% (above 0%: growing) +11.11% (above 0%: growing) +6.85% (above 0%: growing) 70.88% 0.00% Compare
SFBS ServisFirst Bancshares, Inc. $4.5B 13.2× 12.7× +6.42% (above 0%: growing) +33.33% (above 0%: growing) +141.10% (above 0%: growing) 63.94% 0.00% Compare
TCBI Texas Capital Bancshares, Inc. $4.5B 13.1× 13.3× +1.82% (above 0%: growing) +4.07% (above 0%: growing) +28.99% (above 0%: growing) 66.19% 0.00% Compare
UCB United Community Banks, Inc. $4.4B 31.1× 28.2× −74.97% (below 0%: shrinking) n/m +43.32% (above 0%: growing) (12.04%) 0.00%
FFIN First Financial Bankshares, Inc. $4.4B 15.1× 15.0× +5.01% (above 0%: growing) +40.54% (above 0%: growing) +10.90% (above 0%: growing) 77.51% 0.00% Compare
FLG Flagstar Bank, National Association $4.3B 70.7× 91.9× −9.46% (below 0%: shrinking) n/m −42.53% (below 0%: shrinking) 48.98% 0.00% Compare
IBOC International Bancshares Corporation $4.3B 10.1× 10.5× +2.82% (above 0%: growing) +5.75% (above 0%: growing) +9.70% (above 0%: growing) 81.66% 0.00% Compare
CATY Cathay General Bancorp $4.2B 11.8× 11.5× +9.21% (above 0%: growing) +26.55% (above 0%: growing) +272.48% (above 0%: growing) 65.64% 0.00% Compare
Median of peers $4.4B 13.1× 13.0× +5.42% +26.55% +13.47% 65.92% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 1 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 6.19m 6.06m 128.00
2024 4.92m 5.17m 128.00
2023 3.74m 2.90m 112.00
2022 2.54m 2.89m 125.00
2021 3.02m 4.42m 129.00

Ownership

Directors and executive officers, together less than 1%
BlackRock, Inc. 14.30%
The Vanguard Group 11.30%
FMR LLC 7.90%
Dimensional Fund Advisors LP 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

United Community Banks, Inc. (UCB) Latest News

23 Oct

Impact 4 · · Zacks
Impact 3 · · PR Newswire

22 Oct

Impact 4 · · The Motley Fool
Impact 3 · · Zacks

21 Oct

Impact 4 · · Simply Wall St.

20 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · Moby
Impact 4 · · MarketBeat
Impact 4 · · StockStory
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press
Impact 3 · · Zacks

19 Oct

Impact 3 · · StockStory

14 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

13 Oct

Impact 3 · · PR Newswire

12 Oct

Impact 3 · · StockStory

9 Oct

Impact 3 · · PR Newswire

1 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · StockStory

29 Sep

Impact 3 · · PR Newswire
Impact 3 · · PR Newswire

25 Sep

Impact 3 · · StockStory

9 Sep

Impact 4 ·

8 Sep

Impact 4 ·

1 Sep

Impact 3 ·

26 Aug

Impact 4 ·

3 Aug

Impact 4 ·

UCB metrics, ten years each

stockrow.com/UCB · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com