Symbols / UCB Stock $32.06 -1.84% United Community Banks, Inc.

Financial Services • Banks - Regional • United States • NYQ
UCB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Herbert Lynn Harton
Exch · Country NYQ · United States
Market Cap 3.84B
Enterprise Value 3.38B
Income 332.49M
Sales 1.05B
FCF (ttm) —
Book/sh 30.54
Cash/sh 5.21
Employees 3,118
Insider 10d —
IPO Mar 21, 2002
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 36.26%
P/E 11.74
Forward P/E 9.74
PEG 1.67
P/S 3.66
P/B 1.05
P/C —
EV/EBITDA —
EV/Sales 3.23
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.73
EPS next Y 3.29
EPS Growth 19.30%
Revenue Growth 14.40%
EPS Gr Q/Q 18.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-21
ROA 1.22%
ROE 9.53%
ROIC —
Gross Margin 0.00%
Oper. Margin 45.65%
Profit Margin 32.54%
Shs Outstand 119.69M
Shs Float 119.03M
Insider Own 0.44%
Instit Own 88.07%
Short Float 4.30%
Short Ratio 4.10
Short Interest 3.80M
52W High 36.77
vs 52W High -12.81%
52W Low 27.23
vs 52W Low 17.74%
Beta 0.85
Impl. Vol. 35.54%
Rel Volume 0.82
Avg Volume 861.74K
Volume 704.02K
Target (mean) $38.00
Tgt Median $38.00
Tgt Low $36.00
Tgt High $40.00
# Analysts 6
Recom None
Prev Close $32.66
Price $32.06
Change -1.84%
About

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$38.00
Mean price target
2. Current target
$32.06
Latest analyst target
3. DCF / Fair value
$40.95
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$32.06
Low
$36.00
High
$40.00
Mean
$38.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-28 main Stephens & Co. Overweight → Overweight $40
2026-04-22 main DA Davidson Buy → Buy $39
2026-04-22 main Piper Sandler Neutral → Neutral $36
2026-04-09 up Keefe, Bruyette & Woods Market Perform → Outperform $40
2026-01-15 main DA Davidson Buy → Buy $39
2026-01-15 main Stephens & Co. Overweight → Overweight $39
2026-01-15 main Keefe, Bruyette & Woods Market Perform → Market Perform $36
2025-07-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $34
2025-07-24 main DA Davidson Buy → Buy $36
2025-07-08 down Raymond James Outperform → Market Perform —
2025-04-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $32
2025-04-23 main DA Davidson Buy → Buy $33
2025-04-23 reit Stephens & Co. Overweight → Overweight $36
2025-03-20 main Hovde Group Market Perform → Market Perform $32
2025-01-23 main Piper Sandler Neutral → Neutral $35
2024-10-25 main Piper Sandler Neutral → Neutral $28
2024-10-25 main Truist Securities Hold → Hold $30
2024-09-20 main Truist Securities Hold → Hold $32
2024-07-25 main DA Davidson Buy → Buy $35
2024-07-25 main Truist Securities Hold → Hold $31
News
RSS: Latest UCB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-13 BAZANTE JENNIFER M. Director — 2,330 $0.00 $0
2026-05-13 BELL GEORGE B. Director — 2,330 $0.00 $0
2026-05-13 JAMES JOHN MARC Director — 2,330 $0.00 $0
2026-05-13 DAVIS SALLY POPE Director — 2,330 $0.00 $0
2026-05-13 DANIELS KENNETH L. Director — 2,330 $0.00 $0
2026-05-13 MANN JENNIFER Director — 2,330 $0.00 $0
2026-05-13 CLEMENTS JAMES P Director — 2,330 $0.00 $0
2026-05-13 WILKINS DAVID H Director — 2,330 $0.00 $0
2026-04-27 BRADSHAW RICHARD W Officer — 1,510 $33.09 $49,966
2026-02-18 HARTON H LYNN Chief Executive Officer — 25,000 $34.64 $865,900
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,040.95
+11.93%
930.04
+6.66%
871.95
+0.44%
868.13
Operating Revenue
1,040.95
+11.93%
930.04
+6.66%
871.95
+0.44%
868.13
Selling General And Administration
383.04
+3.65%
369.57
+3.99%
355.39
+20.68%
294.48
Selling And Marketing Expense
9.61
+12.39%
8.55
-9.79%
9.47
+12.99%
8.38
General And Administrative Expense
373.44
+3.44%
361.02
+4.37%
345.91
+20.91%
286.10
Salaries And Wages
354.45
+4.24%
340.04
+6.78%
318.46
+15.30%
276.20
Other Gand A
—
—
—
—
Reconciled Depreciation
45.95
+12.27%
40.93
-8.97%
44.96
-3.72%
46.70
Total Unusual Items
-10.20
-18.33%
-8.62
+68.31%
-27.21
-40.44%
-19.38
Total Unusual Items Excluding Goodwill
-10.20
-18.33%
-8.62
+68.31%
-27.21
-40.44%
-19.38
Special Income Charges
-10.20
-18.33%
-8.62
+68.31%
-27.21
-40.44%
-19.38
Restructuring And Mergern Acquisition
10.20
+18.33%
8.62
-68.31%
27.21
+40.44%
19.38
Net Income
328.10
+29.99%
252.40
+34.58%
187.54
-32.41%
277.47
Pretax Income
422.41
+30.78%
323.01
+38.90%
232.54
-34.68%
356.00
Net Interest Income
909.11
+9.88%
827.37
+1.17%
817.76
+8.69%
752.36
Interest Expense
473.83
-13.91%
550.37
+31.25%
419.34
+589.73%
60.80
Interest Income
1,382.94
+0.38%
1,377.74
+11.37%
1,237.11
+52.14%
813.15
Gain On Sale Of Security
8.47
+24.51%
6.80
+113.39%
-50.82
-15454.38%
0.33
Tax Provision
94.32
+33.58%
70.61
+56.91%
45.00
-42.70%
78.53
Tax Rate For Calcs
0.00
+1.83%
0.00
+12.89%
0.00
-12.05%
0.00
Tax Effect Of Unusual Items
-2.28
-20.50%
-1.89
+64.23%
-5.28
-23.51%
-4.27
Net Income Including Noncontrolling Interests
328.10
+29.99%
252.40
+34.58%
187.54
-32.41%
277.47
Net Income From Continuing Operation Net Minority Interest
328.10
+29.99%
252.40
+34.58%
187.54
-32.41%
277.47
Net Income From Continuing And Discontinued Operation
328.10
+29.99%
252.40
+34.58%
187.54
-32.41%
277.47
Net Income Continuous Operations
328.10
+29.99%
252.40
+34.58%
187.54
-32.41%
277.47
Normalized Income
336.02
+29.67%
259.13
+23.71%
209.48
-28.40%
292.57
Net Income Common Stockholders
318.18
+30.07%
244.63
+35.27%
180.85
-32.80%
269.13
Otherunder Preferred Stock Dividend
5.19
+251.35%
1.48
+2283.87%
0.06
-95.76%
1.46
Diluted EPS
2.62
+28.43%
2.04
+32.47%
1.54
-38.89%
2.52
Basic EPS
2.62
+28.43%
2.04
+32.47%
1.54
-38.89%
2.52
Basic Average Shares
121.31
+1.27%
119.78
+1.85%
117.60
+10.26%
106.66
Diluted Average Shares
121.44
+1.28%
119.90
+1.83%
117.75
+10.27%
106.78
Diluted NI Availto Com Stockholders
318.18
+30.07%
244.63
+35.27%
180.85
-32.80%
269.13
Amortization
13.08
-10.39%
14.60
-3.82%
15.18
+122.31%
6.83
Amortization Of Intangibles Income Statement
13.08
-10.39%
14.60
-3.82%
15.18
+122.31%
6.83
Depreciation Amortization Depletion Income Statement
13.08
-10.39%
14.60
-3.82%
15.18
+122.31%
6.83
Depreciation And Amortization In Income Statement
13.08
-10.39%
14.60
-3.82%
15.18
+122.31%
6.83
Insurance And Claims
18.99
-9.49%
20.98
-23.57%
27.45
+177.43%
9.89
Occupancy And Equipment
100.21
+7.12%
93.56
+8.91%
85.90
+15.34%
74.48
Other Non Interest Expense
38.60
-14.24%
45.01
+13.76%
39.57
+20.32%
32.88
Preferred Stock Dividends
4.72
-25.01%
6.29
-5.15%
6.63
-3.49%
6.88
Professional Expense And Contract Services Expense
24.59
-0.55%
24.73
-7.48%
26.73
+32.56%
20.17
Line Item Trend 2023-12-31
Total Assets
27,297.25
Cash And Cash Equivalents
1,003.88
Cash Financial
200.78
Other Short Term Investments
3,331.08
Receivables
87.78
Accounts Receivable
87.78
Net PPE
378.42
Gross PPE
556.28
Accumulated Depreciation
-177.86
Land And Improvements
114.37
Buildings And Improvements
232.32
Machinery Furniture Equipment
138.16
Construction In Progress
71.44
Goodwill And Other Intangible Assets
990.09
Goodwill
919.91
Other Intangible Assets
70.17
Investments And Advances
5,821.93
Total Liabilities Net Minority Interest
24,035.73
Payables And Accrued Expenses
—
Current Accrued Expenses
—
Current Debt And Capital Lease Obligation
—
Current Debt
—
Other Current Borrowings
—
Long Term Debt And Capital Lease Obligation
324.82
Long Term Debt
324.82
Stockholders Equity
3,261.53
Common Stock Equity
3,173.26
Capital Stock
207.28
Common Stock
119.01
Preferred Stock
88.27
Share Issued
119.01
Ordinary Shares Number
119.01
Treasury Shares Number
0.00
Additional Paid In Capital
2,699.11
Retained Earnings
581.22
Gains Losses Not Affecting Retained Earnings
-239.19
Other Equity Adjustments
-239.19
Total Equity Gross Minority Interest
3,261.53
Total Capitalization
3,586.35
Invested Capital
3,498.08
Total Debt
324.82
Net Debt
—
Net Tangible Assets
2,271.44
Tangible Book Value
2,183.17
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
1,003.88
Derivative Product Liabilities
84.81
Held To Maturity Securities
2,490.85
Other Equity Interest
13.11
Preferred Shares Number
3.66
Preferred Stock Equity
88.27
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
384.04
+9.81%
349.73
+18.97%
293.97
-51.59%
607.31
Cash Flow From Continuing Operating Activities
384.04
+9.81%
349.73
+18.97%
293.97
-51.59%
607.31
Net Income From Continuing Operations
328.10
+29.99%
252.40
+34.58%
187.54
-32.41%
277.47
Depreciation Amortization Depletion
45.95
+12.27%
40.93
-8.97%
44.96
-3.72%
46.70
Depreciation
45.95
+12.27%
40.93
-8.97%
44.96
-3.72%
46.70
Depreciation And Amortization
45.95
+12.27%
40.93
-8.97%
44.96
-3.72%
46.70
Stock Based Compensation
11.40
+5.57%
10.80
+20.95%
8.93
+2.61%
8.71
Asset Impairment Charge
0.00
-100.00%
5.10
0.00
0.00
Deferred Tax
10.14
+40.98%
7.20
+12.63%
6.39
-41.48%
10.92
Deferred Income Tax
10.14
+40.98%
7.20
+12.63%
6.39
-41.48%
10.92
Operating Gains Losses
-7.51
-133.61%
22.33
-49.46%
44.19
+744.31%
-6.86
Gain Loss On Investment Securities
-0.35
-110.62%
3.32
-93.78%
53.33
+1277.40%
3.87
Change In Working Capital
-52.86
-32.23%
-39.98
+54.30%
-87.47
-142.37%
206.46
Change In Payables And Accrued Expense
—
—
—
—
Change In Accrued Expense
—
—
—
—
Change In Other Current Assets
-12.74
-244.49%
8.81
+142.99%
-20.50
-39.54%
-14.69
Change In Other Current Liabilities
-58.28
-140.15%
-24.27
+51.12%
-49.65
-164.80%
76.61
Investing Cash Flow
33.42
+103.37%
-991.04
-506.93%
-163.29
+91.92%
-2,020.18
Cash Flow From Continuing Investing Activities
33.42
+103.37%
-991.04
-506.93%
-163.29
+91.92%
-2,020.18
Net PPE Purchase And Sale
-27.58
+41.38%
-47.04
+35.10%
-72.48
-119.91%
-32.96
Purchase Of PPE
-27.58
+41.38%
-47.04
+35.10%
-72.48
-69.74%
-42.70
Sale Of PPE
—
1.16
-75.22%
4.67
-52.12%
9.74
Capital Expenditure
-27.58
+41.38%
-47.04
+35.10%
-72.48
-69.74%
-42.70
Net Investment Purchase And Sale
935.00
+188.73%
-1,053.72
-235.01%
780.46
+197.47%
-800.73
Purchase Of Investment
-526.84
+74.38%
-2,056.09
-105.57%
-1,000.18
+51.50%
-2,062.14
Sale Of Investment
1,461.84
+45.84%
1,002.37
-43.71%
1,780.63
+41.16%
1,261.42
Net Business Purchase And Sale
41.25
+380.05%
8.59
-92.46%
113.95
+223.34%
35.24
Purchase Of Business
0.00
0.00
+100.00%
-93.61
0.00
Net Other Investing Changes
18.85
+2.38%
18.41
+62.84%
11.31
+62.93%
6.94
Financing Cash Flow
-541.57
-444.28%
157.31
-30.50%
226.34
+187.46%
-258.78
Cash Flow From Continuing Financing Activities
-541.57
-444.28%
157.31
-30.50%
226.34
+187.46%
-258.78
Net Issuance Payments Of Debt
-245.00
-293.76%
126.44
+112.74%
-992.62
-240.02%
708.93
Issuance Of Debt
126.00
+11354.55%
1.10
-99.95%
2,225.00
+181.65%
790.00
Repayment Of Debt
-261.00
-274.69%
-69.66
+97.57%
-2,870.00
-1095.83%
-240.00
Long Term Debt Issuance
126.00
+11354.55%
1.10
-99.95%
2,225.00
+181.65%
790.00
Long Term Debt Payments
-261.00
-274.69%
-69.66
+97.57%
-2,870.00
-1095.83%
-240.00
Net Long Term Debt Issuance
-135.00
-96.92%
-68.56
+89.37%
-645.00
-217.27%
550.00
Short Term Debt Issuance
—
—
—
158.93
Net Short Term Debt Issuance
-110.00
-156.41%
195.00
+156.10%
-347.62
-318.72%
158.93
Net Common Stock Issuance
-44.27
0.00
0.00
0.00
Common Stock Payments
-44.27
0.00
0.00
0.00
Common Stock Dividend Paid
-118.52
-5.52%
-112.32
-6.88%
-105.08
-20.95%
-86.88
Cash Dividends Paid
-123.24
-3.90%
-118.61
-6.17%
-111.72
-19.16%
-93.76
Repurchase Of Capital Stock
-135.81
0.00
+100.00%
-7.15
0.00
Proceeds From Stock Option Exercised
—
—
—
—
Net Other Financing Charges
-1.22
-9300.00%
-0.01
+98.40%
-0.81
+88.41%
-7.03
Changes In Cash
-124.12
+74.36%
-484.00
-235.57%
357.02
+121.36%
-1,671.66
Beginning Cash Position
519.87
-48.21%
1,003.88
+55.19%
646.85
-72.10%
2,318.51
End Cash Position
395.75
-23.87%
519.87
-48.21%
1,003.88
+55.19%
646.85
Free Cash Flow
356.46
+17.76%
302.69
+36.66%
221.49
-60.77%
564.60
Issuance Of Capital Stock
—
—
—
0.00
Net Preferred Stock Issuance
-91.54
0.00
+100.00%
-7.15
0.00
Preferred Stock Dividend Paid
-4.72
+25.01%
-6.29
+5.15%
-6.63
+3.49%
-6.88
Preferred Stock Issuance
—
—
—
0.00
Preferred Stock Payments
-91.54
0.00
+100.00%
-7.15
0.00
Sale Of Business
41.25
+380.05%
8.59
-95.86%
207.57
+488.96%
35.24
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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