United Community Banks, Inc.
Financials
Valuation Metrics
United Community Banks, Inc.'s Market Cap is $4.15B. At end of 2025 it was $3.76B. Ranked #1498 of 3,121 in US market (top 48%), #977 of 1,658 on NYSE (top 59%), #89 of 248 in Banks (top 36%) by Market Cap.
Investment Metrics(as of 2026-09-18)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $4.15B | US#1,498/3,121 Sec#89/248 |
| Revenue | $1.11B | US#1,832/3,121 Sec#77/248 |
| Net Income | $378M | US#978/3,121 Sec#78/248 |
| Total Assets | $29.05B | US#488/3,121 Sec#84/248 |
| Net Assets | $3.75B | US#845/3,121 Sec#85/248 |
| Employees | 3,070 | US#1,468/3,121 Sec#77/248 |
| Value | ||
| P/E | 10.99x | US#418/3,121 Sec#74/248 |
| P/B | 1.11x | US#483/3,121 Sec#60/248 |
| PEG | 0.29x | US#421/3,121 Sec#44/248 |
| P/S | 3.74x | US#2,001/3,121 Sec#138/248 |
| EV/EBITDA | 8.47x | US#575/3,121 Sec#49/248 |
| FCF Yield | 9.93% | US#595/3,121 Sec#85/248 |
| Profitability | ||
| ROE | 10.09% | US#1,368/3,121 Sec#150/248 |
| ROA | 1.30% | US#1,842/3,121 Sec#85/248 |
| Op. Margin | 42.97% | US#223/3,121 Sec#48/248 |
| Revenue Growth | 13.83% | US#987/3,121 Sec#84/248 |
| Earnings Growth | 38.29% | US#606/3,121 Sec#47/248 |
| Financial Health | ||
| Debt Ratio | 675.73% | US#2,506/3,121 Sec#57/248 |
| Total Debt | $381M | US#2,018/3,121 Sec#154/248 |
| FCF | $412M | US#979/3,121 Sec#73/248 |
| Cash | $129M | US#2,047/3,121 Sec#168/248 |
| Current Ratio | 11.77x | US#214/3,121 Sec#32/248 |
| Net Debt/EBITDA | 0.48x | US#775/3,121 Sec#87/248 |
| Dividend | ||
| Div. Yield | 2.92% | US#647/3,121 Sec#74/248 |
| Div. Growth | 3.88% | US#905/3,121 Sec#132/248 |
| Performance | ||
| 1Y Return | 7.97% | US#1,444/3,121 Sec#189/248 |
| 1M Return | -2.94% | US#1,745/3,121 Sec#186/248 |
| From 52W High | -6.67% | US#459/3,121 Sec#110/248 |
| 1Y MDD | -18.63% | US#599/3,121 Sec#180/248 |
| Trading | ||
| Volume | 586,185 shares | US#2,054/3,121 Sec#88/248 |
| Trading Value | $20M | US#2,018/3,121 Sec#102/248 |
| Per Share | ||
| EPS | $3.16 | US#1,028/3,121 Sec#129/248 |
| BPS | $31.29 | US#856/3,121 Sec#130/248 |
Company Info
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.