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. In the quarter to June 2026, revenue was flat, EPS grew 50.8%, free cash flow grew 43.3% and total debt rose 428.9%, each against the same quarter a year earlier. Revenue growth for ten consecutive years; insiders bought in the last twelve months.
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United Community Banks, Inc. (UCB) Altman Z-score
United Community Banks, Inc.'s Altman Z-score for fiscal 2025 cannot be worked out: not meaningful for banks, insurers and REITs.
Altman Z-score, annual
Annual newest first
| Period | Altman Z-score | Change (points) |
|---|
How fiscal 2025’s score is made up
| Component | This year | Year before | Result | Points |
|---|---|---|---|---|
| Working capital / total assets | (0.16) | — | −0.19 | |
| Retained earnings / total assets | 0.03 | — | 0.05 | |
| EBIT / total assets | — | — | n/a | — |
| Market value of equity / total liabilities | 0.16 | — | 0.09 | |
| Sales / total assets | 0.05 | — | 0.05 | |
| Altman Z-score | n/a — not meaningful for banks, insurers and REITs | — | ||
| Z″ Variant for non-manufacturing and asset-light companies (drops the sales/assets term, uses book equity) | n/a — not meaningful for banks, insurers and REITs | — | ||
How the Altman Z-score works
Z = 1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets (Altman, 1968). The market value of equity is the close on the last trading day of the fiscal year times weighted basic shares.
Z″ = 6.56 × working capital ÷ total assets + 3.26 × retained earnings ÷ total assets + 6.72 × EBIT ÷ total assets + 1.05 × book equity ÷ total liabilities (Altman, Hartzell and Peck, 1995), the variant for non-manufacturing and asset-light companies.
| Zone | Z | Z″ |
|---|---|---|
| Safe zone | above 2.99 | above 2.60 |
| Grey zone | 1.81–2.99 | 1.10–2.60 |
| Distress zone | below 1.81 | below 1.10 |
Not worked out for banks, insurers and REITs, whose balance sheets the model does not describe, nor when a figure is missing or there is no share price in the week to the fiscal year end.
Altman Z-score against peers
| Company | Altman Z-score |
|---|---|
| CATY Cathay General Bancorp compare | — |
| WSFS WSFS Financial Corporation compare | — |
| IBOC International Bancshares Corporation compare | — |
| FULT Fulton Financial Corporation compare | — |
| UCB United Community Banks, Inc. | — |
| SFBS ServisFirst Bancshares, Inc. compare | — |
| TCBI Texas Capital Bancshares, Inc. compare | — |
| BMA Macro Bank Inc. compare | — |
| FBP First BanCorp. compare | — |
What Altman Z-score is
The Altman Z-Score weighs working capital, retained earnings, operating profit, market value and sales against assets and debts to gauge the risk of distress.
1.2 × working capital ÷ total assets + 1.4 × retained earnings ÷ total assets + 3.3 × EBIT ÷ total assets + 0.6 × market value of equity ÷ total liabilities + 1.0 × revenue ÷ total assets