United Community Banks, Inc.
Financials
Valuation Metrics
United Community Banks, Inc.'s Market Cap is $4.29B. At end of 2025 it was $3.76B. Ranked #1510 of 3,112 in US market (top 49%), #987 of 1,667 on NYSE (top 59%), #91 of 249 in Banks (top 37%) by Market Cap.
Investment Metrics(as of 2026-08-03)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $4.29B | US#1,510/3,112 Sec#91/249 |
| Revenue | $1.55B | US#1,636/3,112 Sec#86/249 |
| Net Income | $341M | US#1,012/3,112 Sec#83/249 |
| Total Assets | $28.18B | US#493/3,112 Sec#84/249 |
| Net Assets | $3.65B | US#869/3,112 Sec#84/249 |
| Employees | 3,070 | US#990/3,112 Sec#42/249 |
| Value | ||
| P/E | 12.58x | US#458/3,112 Sec#90/249 |
| P/B | 1.17x | US#492/3,112 Sec#63/249 |
| PEG | 0.70x | US#700/3,112 Sec#120/249 |
| P/S | 2.77x | US#1,645/3,112 Sec#132/249 |
| EV/EBITDA | 7.93x | US#480/3,112 Sec#46/249 |
| FCF Yield | 8.76% | US#620/3,112 Sec#86/249 |
| Profitability | ||
| ROE | 9.33% | US#1,447/3,112 Sec#156/249 |
| ROA | 1.21% | US#1,853/3,112 Sec#99/249 |
| Op. Margin | 28.39% | US#509/3,112 Sec#87/249 |
| Revenue Growth | 3.12% | US#1,930/3,112 Sec#141/249 |
| Earnings Growth | 18.03% | US#964/3,112 Sec#131/249 |
| Financial Health | ||
| Debt Ratio | 670.98% | US#2,526/3,112 Sec#57/249 |
| Total Debt | $121M | US#2,332/3,112 Sec#201/249 |
| FCF | $376M | US#1,002/3,112 Sec#75/249 |
| Cash | $493M | US#1,079/3,112 Sec#110/249 |
| Current Ratio | 0.17x | US#2,904/3,112 Sec#184/249 |
| Net Debt/EBITDA | -0.75x | US#365/3,112 Sec#64/249 |
| Dividend | ||
| Div. Yield | 2.80% | US#638/3,112 Sec#73/249 |
| Div. Growth | 3.88% | US#902/3,112 Sec#131/249 |
| Performance | ||
| 1Y Return | 21.68% | US#1,453/3,112 Sec#201/249 |
| 1M Return | 0.97% | US#1,501/3,112 Sec#185/249 |
| From 52W High | -3.62% | US#405/3,112 Sec#149/249 |
| 1Y MDD | -18.63% | US#577/3,112 Sec#170/249 |
| Trading | ||
| Volume | 626,753 shares | US#1,892/3,112 Sec#80/249 |
| Trading Value | $22M | US#1,898/3,112 Sec#97/249 |
| Per Share | ||
| EPS | $2.70 | US#1,054/3,112 Sec#129/249 |
| BPS | $29.91 | US#862/3,112 Sec#133/249 |
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.