stockrowUnited 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
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United Community Banks, Inc. (UCB) Return on invested capital
United Community Banks, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 4.56%, down 3.5 percentage points from fiscal 2025 (8.04%). Over the past ten years it has ranged from 6.06% (fiscal 2015) to 149.6% (fiscal 2021); the current reading is higher than 64% of that period. That is below the Banks Regional industry median of 8.45% and in line with the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 8.04% | 1.49 |
| FY2024 | 6.55% | 0.26 |
| FY2023 | 6.29% | (1.72) |
| FY2022 | 8.01% | (141.62) |
| FY2021 | 149.6% | 130.99 |
| FY2020 | 18.6% | 7.13 |
| FY2019 | 11.5% | 2.63 |
| FY2018 | 8.88% | 1.65 |
| FY2017 | 7.23% | 1.09 |
| FY2016 | 6.14% | 0.08 |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| SFBS ServisFirst Bancshares, Inc. compare | 29.7% |
| TCBI Texas Capital Bancshares, Inc. compare | 22.8% |
| CATY Cathay General Bancorp compare | 18.0% |
| FFIN First Financial Bankshares, Inc. compare | 16.4% |
| FULT Fulton Financial Corporation compare | 13.5% |
| IBOC International Bancshares Corporation compare | 12.2% |
| UCB United Community Banks, Inc. | 4.56% |
| TFSL TFS Financial Corporation compare | 1.12% |
| FLG Flagstar Bank, National Association compare | 0.45% |
| Banks Regional industry median | 8.45% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
More on UCB
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement