Total Valuation
United Community Banks has a market cap or net worth of €3.68B. The enterprise value is €5.28K.
Market Cap€3.68B
Enterprise Value€5.28K
Share Statistics
United Community Banks has 119,759,410 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding119,759,410
Owned by Insiders0.79%
Owned by Institutions1.80%
Financial Efficiency
United Community Banks’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 1.17%.
Return on Equity (ROE)0.09
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)1.17%
Return on Capital Employed (ROCE)0.02
Revenue Per Employee500.65K
Profits Per Employee106.87K
Employee Count3,070
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of United Community Banks is 11.6. United Community Banks’s PEG ratio is 0.41.
PE Ratio11.6
PS Ratio2.47
PB Ratio1.04
Price to Fair Value1.04
Price to FCF9.32
Price to Operating Cash Flow13.94
PEG Ratio0.41
Income Statement
In the last 12 months, United Community Banks had revenue of 1.54B and earned 328.15M in profits. Earnings per share was 2.63.
Revenue1.54B
Gross Profit1.01B
Operating Income422.41M
Pretax Income422.41M
Net Income328.15M
EBITDA456.52M
Earnings Per Share (EPS)2.63
Cash Flow
In the last 12 months, operating cash flow was 309.11M and capital expenditures -18.07M, giving a free cash flow of 291.05M billion.
Operating Cash Flow309.11M
Free Cash Flow291.05M
Free Cash Flow per Share2.43
Dividends & Yields
United Community Banks pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.60
52-Week Price Change23.18%
50-Day Moving Average29.81
200-Day Moving Average27.75
Relative Strength Index (RSI)52.30
Average Volume (3m)3.00
Important Dates
United Community Banks upcoming earnings date is Oct 20, 2026, After Close (Confirmed).
Last Earnings DateJul 21, 2026
Next Earnings DateOct 20, 2026
Ex-Dividend Date―
Financial Position
United Community Banks as a current ratio of 47.49, with Debt / Equity ratio of 10.16%
Current Ratio47.49
Quick Ratio47.49
Debt to Market Cap0.05
Net Debt to EBITDA<0.01
Interest Coverage Ratio0.89
Taxes
In the past 12 months, United Community Banks has paid 94.32M in taxes.
Income Tax94.32M
Effective Tax Rate0.22
Enterprise Valuation
United Community Banks EV to EBITDA ratio is 8.33, with an EV/FCF ratio of 9.32.
EV to Sales2.47
EV to EBITDA8.33
EV to Free Cash Flow9.32
EV to Operating Cash Flow8.73
Balance Sheet
United Community Banks has €4.24B in cash and marketable securities with €380.60M in debt, giving a net cash position of €3.85B billion.
Cash & Marketable Securities€4.24B
Total Debt€380.60M
Net Cash€3.85B
Net Cash Per Share€32.19
Tangible Book Value Per Share€21.95
Margins
Gross margin is 71.96%, with operating margin of 27.48%, and net profit margin of 21.35%.
Gross Margin71.96%
Operating Margin27.48%
Pretax Margin27.48%
Net Profit Margin21.35%
EBITDA Margin29.70%
EBIT Margin27.48%
Analyst Forecast
The average price target for United Community Banks is €33.82, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target€33.82
Price Target Upside11.24% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast-2.90%
EPS Growth Forecast29.37%