Saturday 17 October 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. 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.

34.09 0.04 +0.12%

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Market cap: $4.1B
P/E: 11.1×
Fwd P/E: 11.3×
Dividend yield: 2.96%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.07

Total sells 2.33

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	1	—	—
Sell	—	—	1	2	—	1	—	—	2	—	—	—

Insider Ownership 0.44%

Capital & Financial Ratios $m

Market Cap 4,110.00

Revenue 1,544.36

Net Income 377.88

Free Cash Flow 361.19

Net Debt 274.13

Current Ratio 0.83

Debt/Equity 0.22

P/E ratio 11.14

Fwd P/E 11.30

P/S ratio 2.66

P/B ratio 1.10

Past 5Y EPS Growth 6.53%

This Y EPS Growth 10.52%

Next Y EPS Growth 12.04%

Next Y revenue growth (27.13%)

Next 5Y EPS Growth 10.45%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 14.74%

10-year low 10-year high

P/S against its own 10 years 29.89%

10-year low 10-year high

P/B against its own 10 years 28.86%

10-year low 10-year high

Dividends

Payout Ratio 0.33

Annual Dividend Rate 1.01

Annual Dividend Yield 2.96%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.01	0.25 0.25 0.26
2025	0.98	0.24 0.24 0.25 0.25
2024	1.18	0.23 0.23 0.48 0.24
2023	0.92	0.23 0.23 0.23 0.23
2022	0.86	0.21 0.21 0.22 0.22
2021	0.78	0.19 0.19 0.20 0.20
2020	1.93	0.28 0.32 0.28 0.18 0.20 0.12 0.18 0.18 0.18
2019	0.68	0.16 0.17 0.17 0.18
2018	0.58	0.12 0.15 0.15 0.16
2017	0.38	0.09 0.09 0.10 0.10
2016	0.30	0.07 0.07 0.08 0.08

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	1,004	520	396	546
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	19,235	18,632	19,693	20,365

	2023	2024	2025	Q'26
Payables	23,311	23,461	23,798	23,724
ST’ Debt	—	—	—	—
Other	—	—	—	—
	23,626	23,956	24,190	24,486

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	378	383	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.69	0.95	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	15.74	24.47	20.23	21.19	14.95	26.97	27.85	20.37	24.04	22.93	Analyst estimates 2026–2028 Powerpack
	High	30.22	30.47	34.18	31.66	31.02	37.24	39.50	35.25	35.38	34.57
People
People	Employees	1,916	2,137	2,312	2,309	2,406	2,921	3,046	3,121	2,979	3,070
	Revenue/emp, $m	0.22	0.22	0.26	0.28	0.30	0.25	0.31	0.42	0.50	0.50
Income, $m
Income, $m	Revenue	429	478	593	657	714	737	951	1,313	1,502	1,537
	Gross margin, %	94.11	92.94	89.66	87.33	92.12	95.96	93.61	68.05	63.37	69.17
	EBT	163	173	216	239	209	348	356	233	323	422
	EBT margin, %	38.02	36.16	36.41	36.31	29.33	47.21	37.44	17.72	21.50	27.48
	Net income	101	68	166	186	164	270	277	188	252	328
	Depreciation	30	27	31	24	(9)	(2)	47	45	46	46
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
	Earnings	1.40	0.92	2.07	2.31	1.91	2.97	2.52	1.54	2.04	2.62
	Cash flow	1.95	2.84	3.39	1.93	1.91	4.09	5.69	2.50	2.92	3.17
	Capex	(0.17)	(0.26)	(0.14)	(0.18)	(0.21)	(0.25)	(0.31)	(0.62)	(0.39)	(0.23)
	Free cash flow	1.77	2.58	3.25	1.75	1.70	3.83	5.38	1.88	2.53	2.94
	Book value	14.96	17.79	18.30	20.52	24.13	25.27	25.32	27.73	28.65	30.00
	Shares, m	72	73	80	80	83	88	107	118	120	121
Valuation, ×
Valuation, ×	P/E	21.21	29.80	10.42	13.37	14.97	12.06	13.37	18.82	15.84	11.87
	P/S	4.98	4.29	2.88	3.74	3.31	4.29	3.78	2.61	2.58	2.46
	P/B	1.98	1.57	1.17	1.50	1.24	1.49	1.38	1.08	1.16	1.04
	EV/Sales	6.54	4.94	3.05	3.28	1.52	1.48	4.02	2.10	2.40	2.28
	EV/FCF	21.96	12.51	6.99	15.46	7.68	3.23	6.66	12.42	11.91	9.85
Cash, $m
Cash, $m	Operating cash flow	140	208	270	154	159	359	607	294	350	384
	Capex	(12)	(19)	(11)	(14)	(18)	(22)	(33)	(72)	(47)	(28)
	Free cash flow	128	189	259	140	141	337	574	221	303	356
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)
	Total debt	884	625	427	213	327	247	875	325	254	120
	Net debt	667	311	100	(303)	(1,282)	(2,071)	228	(679)	(266)	(275)
	Shareholders’ equity	1,076	1,303	1,458	1,636	2,008	2,222	2,701	3,262	3,432	3,639
Returns, %
Returns, %	ROA	0.99	0.59	1.35	1.45	1.04	1.35	1.20	0.70	0.89	1.14
	ROIC	6.14	7.23	8.88	11.51	18.64	149.63	8.01	6.29	6.55	8.04
	ROE	9.66	5.65	11.95	11.92	8.98	12.94	11.38	6.26	7.51	9.11

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
SFBS ServisFirst Bancshares, Inc.	$4.3B	13.4×	12.3×	+6.36% (above 0%: growing)	+40.18% (above 0%: growing)	+141.10% (above 0%: growing)	64.14%	0.00%	Compare
FULT Fulton Financial Corporation	$4.3B	10.7×	11.1×	+7.53% (above 0%: growing)	−1.89% (below 0%: shrinking)	+6.85% (above 0%: growing)	71.64%	0.00%	Compare
IBOC International Bancshares Corporation	$4.2B	10.1×	11.2×	+0.96% (above 0%: growing)	−4.35% (below 0%: shrinking)	−3.33% (below 0%: shrinking)	81.33%	0.00%	Compare
FBP First BanCorp.	$4.2B	11.4×	10.8×	+4.63% (above 0%: growing)	+26.00% (above 0%: growing)	−5.21% (below 0%: shrinking)	81.89%	0.00%	Compare
UCB United Community Banks, Inc.	$4.1B	11.1×	11.3×	+0.18% (above 0%: growing)	+50.79% (above 0%: growing)	+43.32% (above 0%: growing)	72.97%	0.00%
BMA Macro Bank Inc.	$4.1B	14.0×	15.4×	+4.42% (above 0%: growing)	+17.44% (above 0%: growing)	+198.80% (above 0%: growing)	77.07%	0.00%	Compare
CATY Cathay General Bancorp	$4.0B	11.6×	10.6×	+3.12% (above 0%: growing)	+24.32% (above 0%: growing)	+272.48% (above 0%: growing)	63.72%	0.00%	Compare
TCBI Texas Capital Bancshares, Inc.	$3.9B	11.7×	13.4×	+4.34% (above 0%: growing)	+16.35% (above 0%: growing)	+62.74% (above 0%: growing)	65.14%	0.00%	Compare
WSFS WSFS Financial Corporation	$3.9B	12.8×	11.6×	+1.64% (above 0%: growing)	+28.35% (above 0%: growing)	−141.58% (below 0%: shrinking)	81.45%	0.00%	Compare
Median of peers	$4.1B	11.7×	11.4×	+4.38%	+20.88%	+34.80%	74.36%	0.00%

All 323 Banks Regional stocks →

United Community Banks, Inc. (UCB) key facts

Strength: United Community Banks, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.5 billion, up 2.30% from fiscal 2024.
Strength: Net income was $328.1 million, or $2.62 per share (basic), a net margin of 20.7%.
United Community Banks, Inc. (UCB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, UCB traded at $34.09, a market capitalization of $4.1 billion.
At that price the stock trades at 11.1× trailing-twelve-month earnings and 2.7× sales; its P/E is higher than 15% of its own readings over the past ten years.
United Community Banks, Inc. pays an annual dividend of $1.01 per share, a yield of 2.96%, with a payout ratio of 33.2%.
Return on equity was 9.11% and debt-to-equity 0.22.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.