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United Community Banks, Inc.

Data quality: 100%
UCB
NYSE Financial Services Banks - Regional
$30.65
▲ $0.54 (1.79%)
Mkt Cap: 3.67B
Day Range
$30.46 $31.33
52-Week Range
$22.93 $36.77
Volume
628,812
50D / 200D Avg
$33.25 / $31.55
Prev Close
$30.11

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 11.2 10.3
P/B 1.0 1.1
ROE % 9.3 11.7
Net Margin % 21.4 16.8
Rev Growth 5Y % 21.0 11.7
D/E 0.1 0.5

Analyst Price Target

Hold
$39.00 +27.2%
Forward P/E
10.3
Forward EPS
$2.99
EPS Growth (est.)
+0.0%
Est. Revenue
1.1 B

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $3.23
$3.20 – $3.25
1.2 B 5
FY2026 $2.99
$2.91 – $3.17
1.1 B 6

Key Takeaways

Revenue grew 21.03% annually over 5 years — strong growth
Earnings grew 30.01% over the past year
Net margin of 21.35% shows strong profitability
Debt/Equity of 0.06 — conservative balance sheet
Generating 407.72M in free cash flow
P/E of 11.17 — trading at a low valuation

Growth

Revenue Growth (5Y)
21.03%
Revenue (1Y)3.82%
Earnings (1Y)30.01%
FCF Growth (3Y)35.68%

Quality

Return on Equity
9.28%
ROIC8.24%
Net Margin21.35%
Op. Margin27.48%

Safety

Debt / Equity
0.06
Current Ratio0.17
Interest Coverage0.89

Valuation

P/E Ratio
11.17
P/B Ratio1.01
EV/EBITDA8.69
Dividend Yield0.03%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 3.82% Revenue Growth (3Y) 9.10%
Earnings Growth (1Y) 30.01% Earnings Growth (3Y) 32.28%
Revenue Growth (5Y) 21.03% Earnings Growth (5Y) 5.02%
Profitability
Revenue (TTM) 1.54B Net Income (TTM) 328.15M
ROE 9.28% ROA 1.17%
Gross Margin 66.00% Operating Margin 27.48%
Net Margin 21.35% Free Cash Flow (TTM) 407.72M
ROIC 8.24% FCF Growth (3Y) 35.68%
Safety
Debt / Equity 0.06 Current Ratio 0.17
Interest Coverage 0.89 Dividend Yield 0.03%
Valuation
P/E Ratio 11.17 P/B Ratio 1.01
P/S Ratio 2.39 PEG Ratio 0.40
EV/EBITDA 8.69 Dividend Yield 0.03%
Market Cap 3.67B Enterprise Value 3.67B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1.54B 1.48B 1.29B 928.93M 716.27M
Net Income 328.15M 252.40M 187.54M 277.47M 269.80M
EPS (Diluted) 2.62 2.04 1.54 2.52 2.97
Gross Profit 1.01B 879.09M 782.52M 804.22M 724.06M
Operating Income 422.41M 323.01M 232.55M 356.00M 347.76M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 28.00B 27.72B 27.30B 24.01B 20.95B
Total Liabilities 24.36B 24.29B 24.04B 21.31B 18.72B
Shareholders' Equity 3.64B 3.43B 3.26B 2.70B 2.22B
Total Debt 205.40M 449.15M 324.82M 1.19B 247.36M
Cash & Equivalents 202.59M 519.87M 1.00B 511.85M 2.29B
Current Assets 4.04B 5.04B 4.42B 4.20B 6.83B
Current Liabilities 23.88B 23.66B 23.31B 20.49B 18.45B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#274 of 326
35

Recent Activity

Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026