stockrow
Friday 6 November 2026
Export UCB’s income statement to Excel — free account
United Community Banks, Inc.
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%
Follow UCB
Alert me
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.87 | 15.84 | 18.82 | 13.37 | 12.06 | 14.97 | 13.37 | 10.42 | 29.80 | 21.21 |
Piotroski F-Score |
8 | 6 | 6 | 5 | 6 | 3 | 6 | 7 | 5 | 7 |
P/S ratio |
2.46 | 2.58 | 2.61 | 3.78 | 4.29 | 3.31 | 3.74 | 2.88 | 4.29 | 4.98 |
P/FCF ratio |
10.62 | 12.79 | 15.49 | 6.26 | 9.38 | 16.76 | 17.63 | 6.60 | 10.86 | 16.73 |
P/Operating CF |
57.85 | 26.13 | 157.54 | 36.34 | 41.36 | 22.52 | 42.56 | 24.48 | 33.67 | 39.47 |
P/B ratio |
1.04 | 1.16 | 1.08 | 1.38 | 1.49 | 1.24 | 1.50 | 1.17 | 1.57 | 1.98 |
Price to Tangible BV |
1.42 | 1.62 | 1.57 | 1.97 | 1.91 | 1.55 | 1.90 | 1.51 | 1.94 | 2.32 |
EV/Sales |
2.28 | 2.40 | 2.10 | 4.02 | 1.48 | 1.52 | 3.28 | 3.05 | 4.94 | 6.54 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
9.14 | 10.31 | 9.36 | 6.29 | 3.03 | 6.83 | 14.02 | 6.70 | 11.36 | 20.03 |
EV/FCF |
9.85 | 11.91 | 12.42 | 6.66 | 3.23 | 7.68 | 15.46 | 6.99 | 12.51 | 21.96 |
Quick Ratio |
0.02 | 0.02 | 0.04 | 0.03 | 0.13 | 0.10 | 0.05 | 0.03 | 0.03 | 0.02 |
Current Ratio |
0.81 | 0.78 | 0.81 | 0.78 | 0.76 | 0.84 | 0.85 | 0.82 | 0.81 | 0.82 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.43% | 0.92% | 1.19% | 3.64% | 1.18% | 1.84% | 1.65% | 3.40% | 5.25% | 8.26% |
Debt/Equity |
0.03 | 0.07 | 0.10 | 0.32 | 0.11 | 0.16 | 0.13 | 0.29 | 0.48 | 0.82 |
Asset Turnover |
0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
Operating CF/Net income |
1.21 | 1.43 | 1.63 | 2.26 | 1.38 | 1.00 | 0.84 | 1.64 | 3.09 | 1.39 |
Capex/Depreciation |
(0.60) | (1.02) | (1.61) | (0.71) | 10.78 | 2.05 | (0.60) | (0.36) | (0.69) | (0.41) |
| 9.11% | 7.51% | 6.26% | 11.38% | 12.94% | 8.98% | 11.92% | 11.95% | 5.65% | 9.66% | |
| 1.14% | 0.89% | 0.70% | 1.20% | 1.35% | 1.04% | 1.45% | 1.35% | 0.59% | 0.99% | |
ROIC |
8.04% | 6.55% | 6.29% | 8.01% | 149.63% | 18.64% | 11.51% | 8.88% | 7.23% | 6.14% |
Return on Tangible Assets |
(7.75%) | (4.96%) | (4.51%) | (6.52%) | (6.31%) | (7.18%) | (12.46%) | (9.41%) | (3.96%) | (7.21%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
40.17% | 40.33% | 47.11% | 53.41% | 46.30% | 61.23% | 49.22% | 51.18% | 52.86% | 53.23% |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.04 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.02 | 0.01 |
Share Based Compensation of Revenue |
0.74% | 0.72% | 0.68% | 0.92% | 0.89% | 1.10% | 1.42% | 1.02% | 1.22% | 1.05% |
Graham Net Nets |
(1.26) | (1.46) | (1.40) | (1.50) | (1.47) | (1.18) | (0.78) | (1.41) | (1.25) | (1.17) |
Graham Number |
42.13 | 35.80 | 30.68 | 37.21 | 40.26 | 31.34 | 32.66 | 29.12 | 19.40 | 21.71 |
Earnings Yield |
8.42% | 6.31% | 5.31% | 7.48% | 8.29% | 6.68% | 7.48% | 9.60% | 3.36% | 4.72% |
Free Cash Flow Yield |
9.41% | 7.82% | 6.46% | 15.98% | 10.67% | 5.97% | 5.67% | 15.14% | 9.21% | 5.98% |
Revenue per Share |
12.67 | 12.54 | 11.16 | 8.91 | 8.38 | 8.58 | 8.25 | 7.44 | 6.53 | 5.96 |
Operating CF per Share |
3.17 | 2.92 | 2.50 | 5.69 | 4.09 | 1.91 | 1.93 | 3.39 | 2.84 | 1.95 |
Capex per Share |
(0.23) | (0.39) | (0.62) | (0.31) | (0.25) | (0.21) | (0.18) | (0.14) | (0.26) | (0.17) |
Free Cash Flow per Share |
2.94 | 2.53 | 1.88 | 5.38 | 3.83 | 1.70 | 1.75 | 3.25 | 2.58 | 1.77 |
Cash per Share |
3.26 | 4.34 | 8.54 | 6.06 | 26.36 | 19.34 | 6.46 | 4.11 | 4.29 | 3.02 |
Shareholders Equity per Share |
30.00 | 28.65 | 27.73 | 25.32 | 25.27 | 24.13 | 20.52 | 18.30 | 17.79 | 14.96 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
30.00 | 28.65 | 27.73 | 25.32 | 25.27 | 24.13 | 20.52 | 18.30 | 17.79 | 14.96 |
Free Cash Flow |
356.46 | 302.69 | 221.49 | 574.35 | 337.08 | 141.12 | 139.58 | 258.87 | 188.92 | 127.62 |
Working Capital |
(4,497.89) | (5,324.14) | (4,390.74) | (4,425.48) | (4,388.59) | (2,435.36) | (1,695.33) | (1,958.21) | (1,905.43) | (1,586.53) |
Capital Expenditures |
(27.58) | (47.04) | (72.48) | (32.96) | (22.24) | (17.56) | (14.35) | (11.13) | (19.05) | (12.30) |
Net Current Asset Value |
(4,671.29) | (5,656.13) | (4,800.38) | (5,399.68) | (4,661.10) | (2,791.31) | (1,923.51) | (2,411.83) | (2,556.00) | (2,498.46) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.03 | 0.06 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.04 | 0.03 |
Price to Operating Income |
8.75 | 11.67 | 13.21 | 9.58 | 8.74 | 10.93 | 10.02 | 7.72 | 10.99 | 12.48 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.12 | 0.12 | 0.16 | (0.01) | (0.04) | 0.11 | 0.15 | 0.13 | 0.16 |
Cash ROIC |
8.58% | 7.20% | 4.83% | 13.60% | 7.04% | 3.58% | 5.91% | 11.70% | 8.42% | 5.86% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
18,332.29 | 15,559.00 | 20,289.82 | 119,328.37 | 223,724.15 | 98,863.94 | 47,742.13 | 62,695.19 | 106,115.59 | 124,929.02 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
23,629.70 | 23,385.79 | 21,593.56 | 19,058.85 | 16,736.77 | 13,064.80 | 10,715.88 | 10,171.10 | 9,222.63 | 8,255.38 |
Average Assets |
27,861.41 | 27,508.76 | 25,653.07 | 22,477.83 | 19,370.57 | 15,355.20 | 12,744.61 | 12,244.33 | 11,312.06 | 10,162.54 |
Average Common Equity |
3,491.27 | 3,258.56 | 2,888.76 | 2,365.04 | 2,018.47 | 1,773.40 | 1,546.62 | 1,380.44 | 1,189.53 | 1,042.01 |
Columns are period end dates · fundamentals updated 2 Nov 2026