United Community Banks Inc
UCB NYSE· State Commercial Banks
Last close · Oct 26, 2026
$37.12
KIRA · Stoqly’s AI analyst, in plain words
- United Community Banks Inc had $1.1B of revenue in fiscal 2025, up 11.7% on the year before. Over five years, revenue changed +13.0% a year on average.
- United Community Banks Inc made $328M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.2% a year.
- United Community Banks Inc returned $163M to shareholders in fiscal 2025, 46% of free cash flow. The diluted share count rose 1.3%.
- It earned 9.3% on shareholders’ money. Running costs took 55.7% of revenue (the efficiency ratio; lower is better).
Market cap
$4.5B
P/E
12.2x
Revenue
$1.1B
Net income
$328M
Return on equity
9.3%
Efficiency ratio
55.7%
United Community Banks Inc in 30 seconds · fiscal 2025
Are sales growing?
+11.7%
Yes. Sales grew 11.7% last year.
Does it make a profit?
30.9%
Yes. It keeps 30.9% of every sale as profit.
How lean are its costs?
55.7%
Average. Running costs take 55.7% of revenue.
How much does it earn on its capital?
9.3%
Fair. It earns 9.3% a year on shareholders’ money.
How is the share priced?
12.2x
One share costs 12.2 times its yearly profit per share.
What United Community Banks Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 17, 2026
- Legal name
- UNITED COMMUNITY BANKS INC
- CIK
- 0000857855
United Community Banks Inc · UCB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $744M | $826M | $893M | $952M | $1.1B |
| Revenue growth | 28.9% | 11.0% | 8.1% | 6.6% | 11.7% |
| Net interest income | $549M | $752M | $818M | $827M | $909M |
| Net income | $270M | $277M | $188M | $252M | $328M |
| Net margin | 36.2% | 33.6% | 21.0% | 26.5% | 30.9% |
| Diluted EPS | $2.97 | $2.52 | $1.54 | $2.04 | $2.62 |
| Cash | |||||
| Cash from operations | $359M | $607M | $294M | $350M | $384M |
| Capital expenditure | $26.5M | $42.7M | $72.5M | $47.0M | $27.6M |
| Free cash flow | $333M | $565M | $221M | $303M | $356M |
| FCF margin | 44.7% | 68.3% | 24.8% | 31.8% | 33.5% |
| Dividends paid | $66.9M | $86.9M | $105M | $112M | $119M |
| Share buybacks | $15.1M | $0.0M | $0.0M | $0.0M | $44.3M |
| Share count change | 5.8% | 21.2% | 10.3% | 1.8% | 1.3% |
| Debt and strength | |||||
| Cash and short-term investments | $2.3B | $647M | $1.0B | $520M | $396M |
| Debt incl. finance leases | $247M | $484M | $325M | $449M | $205M |
| Loans, net | $11.7B | $15.2B | $18.1B | $18.0B | $19.2B |
| Deposits | $18.2B | $19.9B | $23.3B | $23.5B | $23.8B |
| Shareholders' equity | $2.2B | $2.7B | $3.3B | $3.4B | $3.6B |
| Returns and quality | |||||
| Return on equity | 12.8% | 11.3% | 6.3% | 7.5% | 9.3% |
| Return on tangible equity | 14.9% | 14.0% | 8.0% | 9.9% | 11.9% |
| Efficiency ratio | 53.3% | 56.9% | 64.0% | 60.7% | 55.7% |
| Piotroski F-score | 6 | 3 | 4 | 5 | 6 |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$2.4M
4 insiders
Of sales under plans
45%
$1.1M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
United Community Banks Inc · UCB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $37.12 a share, the company is worth $4.5B: 12.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000857855). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.