United Community Banks (UCB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

United Community Banks

NYSE•Financial Services•Banks - Regional

$34.84-0.50(-0.01%)Pre-market

Market Cap

$4.17B

P/E

11.0x

P/S

2.7x

P/B

1.1x

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.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability23/25

Growth18/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality22/25

Strengths

Strong marginsRising earningsLow leverageCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.0x5y range 10.1x – 18.7x

Currently near its 20-quarter median.

P/S · 2.7x5y range 2.1x – 5.0x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.9x – 1.4x

Price & Volume

Market Cap $4.17B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.54B
Q. Revenue: $382.75M
TTM EBITDA: $526.82M
TTM Op. Income: $472.86M
Q. Op. Income: $149.17M
TTM Net Income: $377.88M
Q. Net Income: $115.64M
EPS: $0.95
Shares Out.: $120.30M

$1.54B in TTM revenue grew 3.2% YoY, reaching $382.75M last quarter. TTM EBITDA of $526.82M and TTM operating income of $472.86M show growth is flowing through to the bottom line. TTM net income of $377.88M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.0%
EBITDA Margin: 39.7%
Op. Margin: 39.0%
Net Margin: 30.2%

Op. margin of 39.0% is up 12.7% YoY — cost efficiency is improving. Net margin at 30.2% and gross margin of 73.0% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.0x
P/S Ratio: 2.7x
P/B Ratio: 1.1x

At 11.0x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 17% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $29.05B
Cash: $455.10M
Long-Term Debt: $20.60M
Book Value: $3.75B
D/E Ratio: 0.0
Debt/EBITDA: 0.1

With $29.05B in assets and $20.60M in long-term debt, D/E is 0.0and book value is $3.75B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $130.63M
TTM Free Cash Flow: $361.19M
FCF Margin: 23.4%
FCF / Net Income: 1.0

TTM FCF of $361.19M on $130.63M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 13% — an improving trend.