UNITED COMMUNITY BANKS INC UCB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $35.16
Market Cap $4.21B
P/E Ratio 13.42
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑11.7% YoY
$1.06B
3-Yr CAGR: 6.1%
Net Income ↑30.0% YoY
$328.10M
Net Margin: 30.9%
Free Cash Flow ↑17.8% YoY
$356.46M
FCF Yield: 8.47%
EPS (Diluted) ↑28.4% YoY
$2.62
Basic: $2.62
Return on Equity Efficiency
9.0%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (UCB)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $404.3M $379.0M $100.7M $1.40 $0.30 1.01% $138.7M $121.3M
FY 2017 $440.4M +8.9% $406.7M $67.8M -32.6% $0.92 -34.3% $0.38 1.35% $208.0M $185.8M +53.1%
FY 2018 $531.7M +20.7% $470.4M $166.1M +144.9% $2.07 +125.0% $0.58 2.70% $270.0M $252.4M +35.9%
FY 2019 $561.0M +5.5% $477.6M $185.7M +11.8% $2.31 +11.6% $0.68 2.20% $153.9M $133.0M -47.3%
FY 2020 $657.9M +17.3% $601.6M $164.1M -11.6% $1.91 -17.3% $0.72 2.53% $158.7M $140.2M +5.4%
FY 2021 $706.9M +7.4% $677.1M $269.8M +64.4% $2.97 +55.5% $0.78 2.17% $359.3M $332.8M +137.4%
FY 2022 $890.1M +25.9% $829.3M $277.5M +2.8% $2.52 -15.2% $0.86 2.54% $607.3M $564.6M +69.6%
FY 2023 $893.2M +0.4% $473.9M $187.5M -32.4% $1.54 -38.9% $0.92 3.14% $294.0M $221.5M -60.8%
FY 2024 $952.1M +6.6% $401.8M $252.4M +34.6% $2.04 +32.5% $0.94 2.91% $349.7M $302.7M +36.7%
FY 2025 $1,063.2M +11.7% $589.3M $328.1M +30.0% $2.62 +28.4% $0.98 3.14% $384.0M $356.5M +17.8%
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Valuation

Market Price $35.16
Market Cap $4.21B
Enterprise Value $4.01B
P/E Ratio 13.42
P/B Ratio 1.16
FCF Yield 8.47%
Dividend Yield 2.79%
Shares Outstanding 119,686,600
%

Profitability & Margins

Gross Margin 55.43%
Operating Margin 39.73%
Net Margin 30.86%
Return on Equity (ROE) 9.02%
Return on Assets (ROA) 1.17%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 6.10%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.033
Debt / Assets 0.004
Cash & Equivalents $314.27M
Total Debt $120.40M
Book Value / Share $30.40
💧

Cash Flow Efficiency

Operating Cash Flow $384.04M
Capital Expenditures (CapEx) $27.58M
Free Cash Flow $356.46M
OCF / Revenue 36.12%
FCF / Revenue 33.53%
FCF 3-Yr CAGR -14.21%
🏷️

Per Share Metrics

EPS (Diluted) $2.62
EPS (Basic) $2.62
Dividends / Share $0.98
Book Value / Share $30.40
EPS YoY Growth 28.43%
🏛️

Balance Sheet (FY 2025)

Total Assets $28.00B
Total Liabilities $24.36B
Stockholders' Equity $3.64B
Current Assets N/A
Current Liabilities N/A