YOLFTbeta
United Community Banks, Inc.

United Community Banks, Inc.

UCB · NYSE · Financial Services / Banks - Regional

37.32USD+0.05 (+0.13%)

Price History

Full chart

Market Stats

Previous Close37.27
Open37.42
Day Range37.01 – 37.53
52-Week Range27.78 – 36.91
Volume677.76K
Market Cap4.10B
P/E (TTM)11.18
Forward P/E12.53
EPS3.04
Dividend Yield3.04%
Beta0.83
50-Day Avg35.31
200-Day Avg33.79

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Herbert Lynn Harton
  • Employees3.14K
  • Headquarters200 East Camperdown Way, Greenville, SC, United States, 29601, USA
  • Websitehttps://www.ucbi.com

Leadership

  • Mr. Herbert Lynn HartonPresident, Chairman & CEO · b. 1962
  • Mr. Richard William BradshawPresident & Chief Banking Officer · b. 1962
  • Ms. Melinda Davis Lux J.D.Chief Administrative Officer, General Counsel & Corporate Secretary · b. 1973
  • Mr. Robert A. EdwardsExecutive VP & Chief Risk Officer · b. 1965

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue38.54M56.16M-67.66M111.90M140.44M233.16M224.29M245.37M265.73M368.74M493.92M611.69M517.85M453.79M389.67M347.51M322.09M302.44M303.99M351.06M428.72M463.98M577.72M640.98M695.60M716.27M928.93M1.29B1.48B1.54B
Growth (%)-+45.74%-220.48%+265.38%+25.50%+66.03%-3.81%+9.40%+8.29%+38.77%+33.95%+23.84%-15.34%-12.37%-14.13%-10.82%-7.31%-6.10%+0.51%+15.49%+22.12%+8.23%+24.51%+10.95%+8.52%+2.97%+29.69%+39.01%+14.65%+3.82%
Cost of Revenue33.17M49.18M-96.21M124.22M106.87M83.26M76.90M82.39M139.53M223.41M332.03M412.26M469.73M323.07M316.64M100.41M93.18M34.05M24.81M24.44M37.53M70.83M96.46M136.67M-7.79M124.71M508.77M601.32M522.64M
Gross Profit5.37M6.98M-67.66M15.69M16.21M126.28M141.03M168.47M183.33M229.21M270.51M279.65M105.58M-15.94M66.60M30.87M221.68M209.26M269.94M326.25M404.28M426.45M506.89M544.52M558.93M724.06M804.22M782.52M879.09M1.01B
Gross Margin13.93%12.43%100.00%14.02%11.54%54.16%62.88%68.66%68.99%62.16%54.77%45.72%20.39%-3.51%17.09%8.88%68.83%69.19%88.80%92.93%94.30%91.91%87.74%84.95%80.35%101.09%86.57%60.60%59.38%66.00%
Operating Expense-6.64M-8.52M--7.43M-4.87M85.52M91.12M109.99M111.84M140.81M162.07M190.06M206.70M303.56M498.89M261.60M186.77M174.30M162.87M211.24M241.29M253.61M290.96M305.81M349.48M376.30M448.22M549.97M556.09M591.93M
Operating Income12.01M15.50M-23.13M21.08M40.76M49.91M58.48M71.49M88.40M108.44M89.59M-101.11M-319.50M-432.29M-230.73M34.91M34.95M107.07M115.01M162.99M172.83M215.93M238.71M209.44M347.76M356.00M232.54M323.01M422.41M
Operating Margin31.17%27.60%-20.67%15.01%17.48%22.25%23.84%26.90%23.97%21.95%14.65%-19.53%-70.41%-110.94%-66.40%10.84%11.56%35.22%32.76%38.02%37.25%37.38%37.24%30.11%48.55%38.32%18.01%21.82%27.48%
EBITDA14.19M17.95M20.59M28.91M26.53M47.06M58.47M73.06M86.85M104.21M123.25M103.54M-86.27M-304.95M-415.90M-209.65M67.47M61.34M127.02M137.67M192.97M200.33M246.90M262.66M200.86M345.70M402.70M277.51M363.94M456.52M
EBITDA Margin36.82%31.96%-30.42%25.83%18.89%20.18%26.07%29.77%32.68%28.26%24.95%16.93%-16.66%-67.20%-106.73%-60.33%20.95%20.28%41.79%39.21%45.01%43.18%42.74%40.98%28.88%48.26%43.35%21.49%24.58%29.70%
Net Income8.20M10.73M15.65M16.10M14.52M27.23M32.78M38.12M46.59M56.74M68.81M57.99M-63.45M-228.33M-502.34M-226.75M33.86M273.14M67.62M71.58M100.66M67.82M166.11M185.72M164.09M269.80M277.47M187.54M252.40M328.15M
Net Income Margin21.28%19.11%-23.13%14.39%10.34%11.68%14.62%15.53%17.53%15.39%13.93%9.48%-12.25%-50.32%-128.92%-65.25%10.51%90.31%22.24%20.39%23.48%14.62%28.75%28.97%23.59%37.67%29.87%14.52%17.05%21.35%
Interest Expense31.76M46.55M67.66M90.24M116.59M100.87M76.36M70.60M74.79M127.43M208.81M276.43M228.26M159.73M100.07M65.64M37.91M27.68M25.55M21.11M25.24M33.73M61.33M83.31M56.24M29.76M60.80M419.34M550.37M473.83M
Interest Expense % of Total Revenue82.41%82.88%-100.00%80.64%83.02%43.26%34.04%28.77%28.15%34.56%42.28%45.19%44.08%35.20%25.68%18.89%11.77%9.15%8.41%6.01%5.89%7.27%10.62%13.00%8.08%4.15%6.54%32.47%37.18%30.83%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets828.03M1.15B1.81B2.38B2.53B2.75B3.21B4.07B5.09B5.87B7.10B8.21B8.59B8.00B7.44B6.98B6.80B7.43B7.57B9.62B10.71B11.92B12.57B12.92B17.79B20.95B24.01B27.30B27.72B28.00B
Total Liabilities775.63M1.08B1.70B2.27B2.37B2.55B2.99B3.77B4.69B5.39B6.48B7.38B7.60B7.04B6.81B6.41B6.22B6.63B6.83B8.60B9.63B10.61B11.12B11.28B15.79B18.72B21.31B24.04B24.29B24.36B
Total Equity52.40M75.11M115.36M119.31M158.39M194.66M221.58M299.37M397.09M472.69M616.77M831.90M989.38M962.32M635.51M575.49M581.40M795.72M739.58M1.02B1.08B1.30B1.46B1.64B2.01B2.22B2.70B3.26B3.43B3.64B
Cash50.59M68.83M55.70M133.86M102.29M104.90M106.34M160.19M134.84M142.57M171.28M219.62M124.81M246.65M207.90M378.42M251.15M228.90M192.66M240.36M217.35M314.27M327.26M515.21M1.61B2.29B511.85M1.00B519.87M202.59M
Total Debt49.03M93.90M229.15M364.82M351.11M415.80M587.30M890.87M982.75M1.08B668.12M1.27B494.72M365.96M306.34M366.00M270.08M356.47M405.99M610.60M884.29M675.20M427.19M212.66M326.96M247.36M1.19B324.82M449.15M205.40M
Net Debt-1.56M25.07M173.45M230.96M248.81M310.90M480.96M730.67M847.91M937.41M496.83M1.05B369.91M119.31M98.44M-12.41M18.93M127.57M213.34M370.24M666.94M360.92M99.92M-302.54M-1.28B-2.04B680.68M-679.05M-70.72M2.81M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow17.37M13.99M11.24M27.36M19.35M24.99M30.06M74.03M34.01M104.34M50.65M105.41M121.31M139.56M123.39M151.88M183.08M191.65M99.28M113.43M139.91M207.96M270.01M153.93M158.68M359.32M607.31M293.97M349.73M435.30M
Investing Cash Flow-133.29M-252.19M-321.37M-507.60M-171.47M-104.97M-474.89M-317.82M-614.55M-814.01M-732.95M-357.86M-173.07M403.94M373.29M-363.97M-102.01M-482.79M-234.88M-400.44M-732.33M-45.51M-359.48M163.22M-1.58B-1.81B-2.02B-163.29M-991.04M51.57M
Financing Cash Flow134.53M254.37M297.00M532.05M120.55M100.72M428.15M297.64M555.19M717.39M711.02M300.79M325.56M-660.56M-223.59M-58.95M-208.33M268.89M99.36M334.73M569.40M-65.53M102.46M-129.21M2.52B2.16B-258.78M226.34M157.31M-541.57M
Capital Expenditure3.10M9.70M13.38M9.83M7.17M7.98M12.99M14.38M15.14M17.43M25.88M34.06M11.39M14.87M7.13M7.21M4.12M8.14M5.05M10.53M17.38M22.18M17.62M20.94M18.46M26.48M42.70M72.48M47.04M27.58M
Free Cash Flow14.27M4.29M-2.15M17.53M12.19M17.01M17.07M59.65M18.86M86.91M24.77M71.35M109.92M124.69M116.26M144.67M178.96M183.51M94.22M102.89M122.54M185.78M252.39M132.99M140.22M332.84M564.60M221.49M302.69M407.72M
Dividends Paid501.00K765.00K1.02M1.42M3.18M4.36M5.19M6.61M8.38M10.88M12.51M16.05M12.73M8.51M9.01M10.24M10.70M11.11M3.02M14.87M15.89M26.21M41.63M53.04M62.45M73.79M93.76M111.72M118.61M123.24M
FCF to OCF82.16%30.64%-19.09%64.07%62.97%68.07%56.78%80.57%55.47%83.29%48.90%67.69%90.61%89.35%94.22%95.25%97.75%95.75%94.91%90.71%87.58%89.33%93.48%86.39%88.37%92.63%92.97%75.34%86.55%93.66%
Dividend Paid to FCF3.51%17.85%-47.39%8.08%26.11%25.63%30.40%11.08%44.43%12.52%50.52%22.49%11.58%6.83%7.75%7.08%5.98%6.06%3.21%14.45%12.97%14.11%16.50%39.89%44.53%22.17%16.61%50.44%39.18%30.23%

Earnings

Report DateApr 23, 2002Jul 23, 2002Oct 22, 2002Jan 28, 2003Apr 22, 2003Jul 22, 2003Oct 28, 2003Jan 27, 2004Apr 20, 2004Jul 27, 2004Oct 26, 2004Jan 25, 2005Apr 19, 2005Jul 26, 2005Oct 25, 2005Jan 24, 2006Apr 18, 2006Jul 25, 2006Oct 24, 2006Jan 23, 2007Apr 17, 2007Jul 24, 2007Oct 23, 2007Jan 23, 2008Apr 24, 2008Jul 24, 2008Oct 23, 2008Jan 23, 2009Apr 23, 2009Jul 24, 2009Oct 23, 2009Jan 29, 2010Apr 22, 2010Jul 23, 2010Oct 28, 2010Jan 28, 2011Apr 28, 2011Jul 28, 2011Oct 27, 2011Jan 25, 2012Apr 26, 2012Jul 26, 2012Oct 25, 2012Jan 24, 2013Apr 25, 2013Jul 25, 2013Oct 24, 2013Jan 23, 2014Apr 24, 2014Jul 24, 2014Oct 23, 2014Jan 21, 2015Apr 22, 2015Jul 22, 2015Oct 27, 2015Jan 20, 2016Apr 27, 2016Jul 27, 2016Oct 26, 2016Jan 25, 2017Apr 26, 2017Jul 26, 2017Oct 24, 2017Jan 23, 2018Apr 24, 2018Jul 24, 2018Oct 23, 2018Jan 22, 2019Apr 23, 2019Jul 23, 2019Oct 22, 2019Jan 21, 2020Apr 21, 2020Jul 21, 2020Oct 20, 2020Jan 19, 2021Apr 20, 2021Jul 20, 2021Oct 19, 2021Jan 18, 2022Apr 19, 2022Jul 19, 2022Oct 18, 2022Jan 17, 2023Apr 18, 2023Jul 18, 2023Oct 18, 2023Jan 24, 2024Apr 24, 2024Jul 24, 2024Oct 23, 2024Jan 22, 2025Apr 22, 2025Jul 23, 2025Oct 22, 2025Jan 14, 2026Apr 21, 2026Jul 21, 2026Oct 28, 2026
EPS Estimate1.141.161.211.251.251.301.361.411.442.342.582.401.652.461.712.621.833.043.362.103.112.072.250.651.651.26-4.07-4.71-3.73-3.21-4.21-2.11-1.52-1.14-1.25-1.30-5.850.12-0.160.130.140.160.120.120.17-0.420.200.210.250.270.280.300.290.310.330.340.320.350.370.380.380.400.410.410.500.540.550.550.540.570.580.580.470.300.340.600.640.680.660.650.550.680.750.830.690.630.450.520.500.510.580.560.560.610.700.710.700.800.77
EPS Actual1.131.161.221.251.251.351.381.411.451.451.541.641.641.691.741.831.881.982.022.122.121.252.220.441.640.72-4.07-4.84-3.49-2.63-4.65-2.25-1.96-1.70-1.50-1.40-7.850.08-0.160.120.150.060.140.110.15-0.410.210.220.250.270.290.300.290.320.330.330.330.360.390.400.390.410.410.420.500.530.550.570.560.590.630.610.410.320.550.680.830.790.830.640.500.660.750.750.580.550.450.530.520.580.570.630.590.660.750.700.700.71-
Surprise-0.88%0.00%0.83%0.00%0.00%3.85%1.47%0.00%0.69%-38.03%-40.31%-31.67%-0.61%-31.30%1.75%-30.15%2.73%-34.87%-39.88%0.95%-31.83%-39.61%-1.33%-32.31%-0.61%-42.86%0.00%-2.76%6.43%18.07%-10.45%-6.64%-28.95%-49.12%-20.00%-7.69%-34.19%-33.33%0.00%-7.69%7.14%-62.50%16.67%-8.33%-11.76%2.38%5.00%4.76%0.00%0.00%3.57%0.00%0.00%3.23%0.00%-2.94%3.13%2.86%5.41%5.26%2.63%2.50%0.00%2.44%0.00%-1.85%0.00%3.64%3.70%3.51%8.62%5.17%-12.77%6.67%61.76%13.33%29.69%16.18%25.76%-1.54%-9.09%-2.94%0.00%-9.64%-15.94%-12.70%0.00%1.92%4.00%13.73%-1.72%12.50%5.36%8.20%7.14%-1.41%0.00%-11.25%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-

Key Statistics & Ratios

Market Cap4.10B
Enterprise Value4.76B
Trailing P/E11.18
Forward P/E12.53
PEG Ratio1.67
Price / Sales3.70
Price / Book1.10
EPS3.04
Book Value30.54
Revenue (TTM)1.11B
Gross Profit (TTM)1.11B
Profit Margin34.09%
Operating Margin50.90%
Return on Equity10.27%
Return on Assets1.32%
Shares Outstanding120.58M
Shares Float119.92M
Beta0.83
Dividend Yield3.04%
Dividend Rate1.04
Payout Ratio35.31%

Analyst Ratings

Buy
Based on 7 analystsTarget 40.17
  • Strong Buy
    3
  • Buy
    1
  • Hold
    3

Ownership Breakdown

Institutions
89.37%
Insiders
0.44%
Retail / Other
10.19%

Top Institutional Holders

  • BlackRock Inc
    17.86M14.81%
  • FMR Inc
    8.95M7.42%
  • Vanguard Portfolio Management, LLC
    8.04M6.67%
  • Dimensional Fund Advisors, Inc.
    6.64M5.51%
  • State Street Corp
    6.23M5.17%
  • Vanguard Capital Management, LLC
    5.38M4.46%
  • Neuberger Berman Group LLC
    3.49M2.90%
  • Earnest Partners LLC
    3.36M2.78%
  • Geode Capital Management, LLC
    2.98M2.47%
  • The Goldman Sachs Group Inc
    1.87M1.55%
  • Amvescap Plc.
    1.77M1.47%
  • Delaware Management Holdings Inc
    1.72M1.43%
  • Snyder Capital Management LP
    1.64M1.36%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    7.28M6.04%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.81M3.16%
  • iShares Russell 2000 ETF
    2.92M2.42%
  • Vanguard Small Cap Index
    2.76M2.29%
  • Fidelity Low-Priced Stock
    2.51M2.08%
  • Neuberger Genesis Inv
    2.06M1.71%
  • Vanguard MStar Small Cap Value Index
    1.75M1.45%

Dividends

20263×
0.26Sep 15, 20260.25Jun 15, 20260.25Mar 13, 2026
20254×
0.25Dec 15, 20250.25Sep 15, 20250.24Jun 13, 20250.24Mar 14, 2025
20244×
0.24Dec 16, 20240.24Sep 16, 20240.23Jun 14, 20240.23Mar 14, 2024
20234×
0.23Dec 14, 20230.23Sep 14, 20230.23Jun 14, 20230.23Mar 14, 2023
20224×
0.22Dec 14, 20220.22Sep 14, 20220.21Jun 14, 20220.21Mar 14, 2022
20214×
0.20Dec 14, 20210.20Sep 14, 20210.19Jun 14, 20210.19Mar 12, 2021
20201×
0.18Dec 14, 2020

Stock Splits

  • Jun 20, 20111:5
  • Sep 8, 200910077:10000
  • Mar 9, 200910077:10000
  • Dec 8, 200810077:10000
  • Sep 3, 200810077:10000
  • Apr 29, 20043:2
  • May 30, 20022:1