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United Community Banks (UCBN) Stock Statistics & Valuation Metrics

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Total Valuation

United Community Banks has a market cap or net worth of EUR 3.94B. The enterprise value is EUR 3.93B.

Market Cap
EUR 3.94B
Enterprise Value
EUR 3.93B

Share Statistics

United Community Banks has 119,593,470 shares outstanding. The number of shares has decreased by -2.65% in one year.

Shares Outstanding
119,593,470
Owned by Insiders
0.80%
Owned by Institutions
73.81%

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 Employee
500.65K
Profits Per Employee
106.89K
Employee Count
3,070
Asset Turnover
0.05
Inventory Turnover
0.00

Valuation Ratios

The current PE Ratio of United Community Banks is 31.45. United Community Banks’s PEG ratio is -0.59.

PE Ratio
31.45
PS Ratio
3.54
PB Ratio
1.29
Price to FCF
9.83
Price to Operating Cash Flow
9.24
PEG Ratio
-0.59

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.

Revenue
1.54B
Gross Profit
1.01B
Operating Income
422.41M
Pretax Income
422.41M
Net Income
328.15M
EBITDA
468.36M
Earnings Per Share (EPS)
2.63

Cash Flow

In the last 12 months, operating cash flow was 487.62M and capital expenditures -32.57M, giving a free cash flow of 455.05M billion.

Operating Cash Flow
487.62M
Free Cash Flow
455.05M
Free Cash Flow per Share
3.78

Dividends & Yields

United Community Banks pays an annual dividend of ―, resulting in a dividend yield of 2.65%

Dividend Per Share
―
Dividend Yield
2.65%
Payout Ratio
N/A
Free Cash Flow Yield
10.23%
Earnings Yield
3.28%

Stock Price Statistics

Beta
0.57
52-Week Price Change
29.13%
50-Day Moving Average
30.69
200-Day Moving Average
29.16
Relative Strength Index (RSI)
58.36
Average Volume (3m)
200

Important Dates

United Community Banks upcoming earnings date is Jan 19, 2027, TBA (Not Confirmed).

Last Earnings Date
Oct 20, 2026
Next Earnings Date
Jan 19, 2027
Ex-Dividend Date
―

Financial Position

United Community Banks as a current ratio of 47.49, with Debt / Equity ratio of 5.64%

Current Ratio
47.49
Quick Ratio
47.49
Debt to Market Cap
0.05
Net Debt to EBITDA
0.01
Interest Coverage Ratio
0.89

Taxes

In the past 12 months, United Community Banks has paid 94.32M in taxes.

Income Tax
94.32M
Effective Tax Rate
0.22

Enterprise Valuation

United Community Banks EV to EBITDA ratio is 16.40, with an EV/FCF ratio of 8.14.

EV to Sales
2.93
EV to EBITDA
16.40
EV to Free Cash Flow
8.14
EV to Operating Cash Flow
7.60

Balance Sheet

United Community Banks has EUR 7.42B in cash and marketable securities with EUR 39.69M in debt, giving a net cash position of EUR 7.38B billion.

Cash & Marketable Securities
EUR 7.42B
Total Debt
EUR 39.69M
Net Cash
EUR 7.38B
Net Cash Per Share
EUR 61.73
Tangible Book Value Per Share
EUR 20.59

Margins

Gross margin is 66.03%, with operating margin of 13.86%, and net profit margin of 11.61%.

Gross Margin
66.03%
Operating Margin
13.86%
Pretax Margin
14.72%
Net Profit Margin
11.61%
EBITDA Margin
17.88%
EBIT Margin
13.86%

Analyst Forecast

The average price target for United Community Banks is EUR 36.99, which is 11.43% higher than the current price. The consensus rating is Moderate Buy

Price Target
EUR 36.99
Price Target Upside
12.78% Upside
Analyst Consensus
Moderate Buy
Analyst Count
5
Revenue Growth Forecast
0.30%
EPS Growth Forecast
-55.77%

Scores

Smart Score
6
AI Score
―