United Community Banks(UCB)
$37.44+0.02 (+0.05%)
UCB
United Community Banks financials statements
$37.44
At close:+0.02 (+0.05%)
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United Community Banks (UCB) Ratios
141 Followers
United Community Banks Ratios
UCB's free cash flow for Q3 2026 was $160.30M. For the 2026 fiscal year, UCB's free cash flow was decreased by $-10.67M and operating cash flow was $170.97M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 47.49 | 0.21 | 0.19 | 0.20 | 0.37 |
| Quick Ratio | 47.49 | 0.21 | 0.19 | 0.20 | 0.37 |
| Cash Ratio | 2.38 | 0.02 | 0.04 | 0.02 | 0.12 |
| Solvency Ratio | 0.02 | 0.01 | 0.01 | 0.02 | 0.01 |
| Operating Cash Flow Ratio | 5.12 | 0.01 | 0.01 | 0.03 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 5.12 | 1.79 | 0.00 | 1.91 | 0.00 |
| Net Current Asset Value | $ -20.33B | $ -19.25B | $ -19.61B | $ -17.11B | $ -11.89B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.02 | 0.01 | 0.05 | 0.01 |
| Debt-to-Equity Ratio | 0.06 | 0.13 | 0.10 | 0.44 | 0.11 |
| Debt-to-Capital Ratio | 0.05 | 0.12 | 0.09 | 0.31 | 0.10 |
| Long-Term Debt-to-Capital Ratio | 0.03 | 0.07 | 0.09 | 0.24 | 0.10 |
| Financial Leverage Ratio | 7.70 | 8.08 | 8.37 | 8.89 | 9.43 |
| Debt Service Coverage Ratio | 0.67 | 0.39 | 0.55 | 0.86 | 9.00 |
| Interest Coverage Ratio | 0.89 | 0.59 | 0.55 | 5.86 | 11.69 |
| Debt to Market Cap | 0.05 | 0.12 | 0.09 | 0.33 | 0.08 |
| Interest Debt Per Share | 5.58 | 8.34 | 6.33 | 11.75 | 3.15 |
| Net Debt to EBITDA | 0.01 | -0.19 | -2.45 | 1.69 | -5.91 |
| Profitability Margins | |||||
| Gross Profit Margin | 66.00% | 59.38% | 60.60% | 86.57% | 101.09% |
| EBIT Margin | 27.48% | 21.82% | 18.01% | 38.32% | 48.55% |
| EBITDA Margin | 30.47% | 24.58% | 21.49% | 43.35% | 48.26% |
| Operating Profit Margin | 27.48% | 21.82% | 18.01% | 38.32% | 48.55% |
| Pretax Profit Margin | 27.48% | 21.82% | 18.01% | 38.32% | 48.55% |
| Net Profit Margin | 21.35% | 17.05% | 14.52% | 29.87% | 37.67% |
| Continuous Operations Profit Margin | 21.35% | 17.05% | 14.52% | 29.87% | 37.67% |
| Net Income Per EBT | 77.68% | 78.14% | 80.65% | 77.94% | 77.58% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.17% | 0.91% | 0.69% | 1.16% | 1.29% |
| Return on Equity (ROE) | 9.02% | 7.35% | 5.75% | 10.27% | 12.14% |
| Return on Capital Employed (ROCE) | 1.51% | 7.95% | 5.83% | 10.13% | 13.94% |
| Return on Invested Capital (ROIC) | 1.17% | 5.93% | 4.70% | 7.24% | 10.81% |
| Return on Tangible Assets | 1.21% | 0.94% | 0.71% | 1.19% | 1.32% |
| Earnings Yield | 8.64% | 6.52% | 5.45% | 7.70% | 8.54% |
| Efficiency Ratios | |||||
| Receivables Turnover | 18.39 | 17.29 | 14.71 | 12.76 | 16.66 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 3.57 | 3.75 | 3.41 | 3.11 | 2.92 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.21 | -0.08 | -0.07 | -0.07 | -0.06 |
| Cash Conversion Cycle | 19.84 | 21.11 | 24.81 | 28.61 | 21.91 |
| Days of Sales Outstanding | 19.84 | 21.11 | 24.81 | 28.61 | 21.91 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 19.84 | 21.11 | 24.81 | 28.61 | 21.91 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.58 | 2.92 | 2.50 | 5.69 | 4.09 |
| Free Cash Flow Per Share | 3.35 | 2.53 | 1.88 | 5.29 | 3.78 |
| Dividend Paid and CapEx Coverage Ratio | 2.89 | 2.11 | 1.60 | 4.45 | 3.58 |
| Capital Expenditure Coverage Ratio | 15.78 | 7.43 | 4.06 | 14.22 | 13.57 |
| Operating Cash Flow Coverage Ratio | 2.12 | 0.78 | 0.91 | 0.51 | 1.45 |
| Operating Cash Flow to Sales Ratio | 0.28 | 0.24 | 0.23 | 0.65 | 0.50 |
| Free Cash Flow Yield | 10.73% | 7.82% | 6.44% | 15.66% | 10.53% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.87 | 15.84 | 18.35 | 12.99 | 11.71 |
| Price-to-Sales (P/S) Ratio | 2.47 | 2.61 | 2.66 | 3.88 | 4.41 |
| Price-to-Book (P/B) Ratio | 1.04 | 1.13 | 1.06 | 1.33 | 1.42 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.32 | 12.79 | 15.54 | 6.39 | 9.50 |
| Price-to-Operating Cash Flow Ratio | 8.73 | 11.07 | 11.71 | 5.94 | 8.80 |
| Price-to-Earnings Growth (PEG) Ratio | 0.41 | 0.49 | -0.47 | -0.86 | 0.21 |
| Enterprise Value Multiple | 8.12 | 10.44 | 9.95 | 10.64 | 3.23 |
| Enterprise Value | 3.80B | 3.80B | 2.76B | 4.29B | 1.12B |
| EV to EBITDA | 8.12 | 10.44 | 9.95 | 10.64 | 3.23 |
| EV to Sales | 2.47 | 2.57 | 2.14 | 4.61 | 1.56 |
| EV to Free Cash Flow | 9.32 | 12.55 | 12.47 | 7.59 | 3.35 |
| EV to Operating Cash Flow | 8.73 | 10.86 | 9.40 | 7.06 | 3.11 |
| Tangible Book Value Per Share | 21.95 | 20.67 | 19.31 | 18.01 | 19.90 |
| Shareholders’ Equity Per Share | 29.91 | 28.65 | 27.73 | 25.32 | 25.27 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.22 | 0.19 | 0.22 | 0.22 |
| Revenue Per Share | 12.63 | 12.36 | 10.98 | 8.71 | 8.15 |
| Net Income Per Share | 2.70 | 2.11 | 1.59 | 2.60 | 3.07 |
| Tax Burden | 0.78 | 0.78 | 0.81 | 0.78 | 0.78 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.25 | 0.25 | 0.27 | 0.31 | 0.35 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.33 | 1.39 | 1.57 | 2.19 | 1.33 |
Currency in USD
