United Community Banks, Inc. (UCB) Key Metrics
UCB valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $4.11B
- Enterprise value
- $4.77B
- P/E (TTM)
- 11.1 10-yr median 13.8
- Forward P/E
- 12.5
- PEG ratio
- 1.67
- Price / sales
- 3.7 10-yr median 3.6
- Price / book
- 1.1 10-yr median 1.3
- EV / EBITDA
- — 10-yr median 1.7
- Dividend yield
- 3.05% $1.04 a year
- Beta
- 0.90
UCB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsUCB valuation Price multiples at each fiscal year-end price.
UCB returns How much profit the business earns on the capital it uses.
UCB per-share figures Results divided by the shares outstanding at year-end.
UCB financial health Debt, liquidity and how easily interest is covered.
UCB efficiency & capital use Working capital cycle and where the cash goes.
UCB valuation history
UCB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
UCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
UCB cash returned to shareholders
UCB price vs earnings per share
UCB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $3.80B | $3.88B | $3.45B | $3.61B | $3.17B | $2.37B | $2.46B | $1.71B | $2.06B | $2.13B |
| Enterprise value | $55.5M | −$631.4M | −$564.9M | $675.4M | −$3.37B | −$2.14B | −$115.7M | −$818.8M | −$193.4M | $364.6M |
| P/E ratio | 11.6 | 15.4 | 18.4 | 13.0 | 11.7 | 14.4 | 13.3 | 10.3 | 30.4 | 21.2 |
| Price / sales | 2.5 | 2.6 | 2.7 | 3.9 | 4.4 | 3.4 | 3.8 | 3.0 | 4.4 | 5.0 |
| Price / book | 1.0 | 1.1 | 1.1 | 1.3 | 1.4 | 1.2 | 1.5 | 1.2 | 1.6 | 2.0 |
| Price / free cash flow | 9.3 | 12.8 | 15.6 | 6.4 | 9.5 | 16.9 | 18.5 | 6.8 | 11.1 | 17.4 |
| Price / operating cash flow | 8.7 | 11.1 | 11.7 | 5.9 | 8.8 | 14.9 | 16.0 | 6.3 | 9.9 | 15.2 |
| EV / sales | 0.0 | -0.4 | -0.4 | 0.7 | -4.7 | -3.1 | -0.2 | -1.4 | -0.4 | 0.9 |
| EV / EBITDA | 0.1 | — | — | 1.7 | — | — | — | — | — | 1.9 |
| EV / free cash flow | 0.1 | — | — | 1.2 | — | — | — | — | — | 3.0 |
| Earnings yield | 8.6% | 6.5% | 5.4% | 7.7% | 8.5% | 6.9% | 7.5% | 9.7% | 3.3% | 4.7% |
| Free cash flow yield | 10.7% | 7.8% | 6.4% | 15.6% | 10.5% | 5.9% | 5.4% | 14.8% | 9.0% | 5.8% |
| Dividend yield | 3.2% | 3.1% | 3.2% | 2.6% | 2.3% | 2.6% | 2.2% | 2.4% | 1.3% | 0.7% |
| Shareholder yield (dividends + buybacks) | 6.8% | 3.1% | 3.5% | 2.6% | 2.8% | 3.5% | 2.8% | 2.6% | 1.4% | 1.9% |
| Share price at fiscal year-end | $31.22 | $32.31 | $29.26 | $33.80 | $35.94 | $28.44 | $30.88 | $21.46 | $28.14 | $29.62 |
| Per share | ||||||||||
| Revenue per share | $12.62 | $12.34 | $10.97 | $8.70 | $8.13 | $8.36 | $8.04 | $7.25 | $6.33 | $5.96 |
| Earnings per share | $2.69 | $2.10 | $1.59 | $2.60 | $3.06 | $1.97 | $2.33 | $2.08 | $0.93 | $1.40 |
| Operating cash flow per share | $3.57 | $2.92 | $2.50 | $5.69 | $4.08 | $1.91 | $1.93 | $3.39 | $2.84 | $1.95 |
| Free cash flow per share | $3.35 | $2.52 | $1.88 | $5.29 | $3.78 | $1.68 | $1.67 | $3.17 | $2.54 | $1.70 |
| Cash per share | $32.45 | $41.32 | $36.82 | $38.64 | $77.06 | $58.06 | $35.00 | $37.10 | $40.00 | $36.85 |
| Book value per share | $29.87 | $28.61 | $27.70 | $25.29 | $25.22 | $24.12 | $20.52 | $18.29 | $17.79 | $14.96 |
| Tangible book value per share | $21.92 | $20.64 | $19.29 | $17.99 | $19.86 | $19.53 | $16.23 | $14.23 | $14.45 | $12.79 |
| Dividends per share | $1.01 | $0.99 | $0.95 | $0.88 | $0.84 | $0.75 | $0.67 | $0.52 | $0.36 | $0.22 |
| Capex per share | $0.23 | $0.39 | $0.62 | $0.40 | $0.30 | $0.22 | $0.26 | $0.22 | $0.30 | $0.24 |
| Debt per share | $1.69 | $3.74 | $2.76 | $11.17 | $2.81 | $3.93 | $2.67 | $5.36 | $9.22 | $12.30 |
| Shares outstanding | 121.8M | 120.0M | 117.7M | 106.8M | 88.1M | 83.2M | 79.7M | 79.7M | 73.3M | 71.9M |
| Change in shares outstanding | +1.6% | +1.9% | +10.3% | +21.2% | +5.8% | +4.4% | +0.0% | +8.8% | +1.9% | +9.8% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 9.3% | 7.5% | 6.3% | 11.3% | 12.8% | 9.0% | 12.0% | 12.0% | 5.7% | 9.6% |
| Return on assets (ROA) | 1.2% | 0.9% | 0.7% | 1.2% | 1.4% | 1.1% | 1.5% | 1.4% | 0.6% | 1.0% |
| Return on tangible assets | 1.2% | 0.9% | 0.7% | 1.2% | 1.3% | 0.9% | 1.5% | 1.4% | 0.6% | 1.0% |
| Free cash flow margin | 26.5% | 20.4% | 17.2% | 60.8% | 46.5% | 20.2% | 20.7% | 43.7% | 40.0% | 28.6% |
| Income quality (OCF / net income) | 1.33 | 1.39 | 1.57 | 2.19 | 1.33 | 0.97 | 0.83 | 1.63 | 3.07 | 1.39 |
| Financial health | ||||||||||
| Total debt | $205.4M | $449.2M | $324.8M | $1.19B | $247.4M | $327.0M | $212.7M | $427.2M | $675.2M | $884.3M |
| Cash & short-term investments | $3.95B | $4.96B | $4.33B | $4.13B | $6.79B | $4.83B | $2.79B | $2.96B | $2.93B | $2.65B |
| Net debt | −$3.75B | −$4.51B | −$4.01B | −$2.93B | −$6.54B | −$4.51B | −$2.58B | −$2.53B | −$2.25B | −$1.77B |
| Debt / equity | 0.06 | 0.13 | 0.10 | 0.44 | 0.11 | 0.16 | 0.13 | 0.29 | 0.52 | 0.82 |
| Debt / assets | 0.01 | 0.02 | 0.01 | 0.05 | 0.01 | 0.02 | 0.02 | 0.03 | 0.06 | 0.08 |
| Net debt / EBITDA | −8.00 | −12.38 | −14.45 | −7.28 | −18.92 | −22.44 | −9.81 | −10.24 | −11.26 | −9.15 |
| Current ratio | 47.49 | 0.21 | 0.19 | 0.20 | 0.37 | 0.32 | 0.26 | 0.28 | 0.30 | 0.31 |
| Quick ratio | 47.49 | 0.21 | 0.24 | 0.24 | 0.50 | 0.42 | 0.26 | 0.28 | 0.30 | 0.31 |
| Interest coverage | 0.9 | 0.6 | 0.6 | 5.9 | 11.7 | 3.7 | 2.9 | 3.5 | 5.1 | 6.5 |
| Working capital | $3.95B | −$18.61B | −$18.89B | −$16.29B | −$11.62B | −$10.55B | −$8.23B | −$7.83B | −$7.00B | −$6.04B |
| Invested capital | −$109.4M | −$1.07B | −$748.6M | −$233.0M | −$4.32B | −$2.50B | −$941.4M | −$1.07B | −$951.6M | −$689.8M |
| Tangible asset value | $2.67B | $2.48B | $2.27B | $1.92B | $1.75B | $1.63B | $1.29B | $1.13B | $1.06B | $919.5M |
| Net current asset value | −$20.33B | −$19.25B | −$19.61B | −$17.11B | −$11.89B | −$10.91B | −$8.46B | −$8.12B | −$7.65B | −$6.96B |
| Graham number | $42.54 | $36.81 | $31.51 | $38.46 | $41.69 | $32.70 | $32.80 | $29.30 | $19.25 | $21.70 |
| Graham net-net per share | −$167.02 | −$160.63 | −$171.39 | −$163.77 | −$148.53 | −$141.10 | −$106.21 | −$102.09 | −$104.53 | −$96.81 |
| Capital allocation | ||||||||||
| Dividends paid | $123.2M | $118.6M | $111.7M | $93.8M | $73.8M | $62.4M | $53.0M | $41.6M | $26.2M | $15.9M |
| Share buybacks (net) | $135.8M | $0 | $7.2M | $0 | $15.1M | $20.8M | $14.7M | $2.0M | $1.7M | $24.8M |
| Dividend payout ratio | 37.6% | 47.0% | 59.6% | 33.8% | 27.3% | 38.1% | 28.6% | 25.1% | 38.6% | 15.8% |
| Dividends + buybacks / free cash flow | 63.5% | 39.2% | 53.7% | 16.6% | 26.7% | 59.4% | 50.9% | 17.3% | 15.0% | 33.2% |
| Capex / revenue | 1.8% | 3.2% | 5.6% | 4.6% | 3.7% | 2.7% | 3.3% | 3.0% | 4.8% | 4.1% |
| Capex / operating cash flow | 6.3% | 13.5% | 24.7% | 7.0% | 7.4% | 11.6% | 13.6% | 6.5% | 10.7% | 12.4% |
| Capex / depreciation | 0.60 | 1.15 | 1.61 | 0.91 | — | — | 0.87 | 0.57 | 0.81 | 0.58 |
| Stock-based compensation / revenue | 0.7% | 0.7% | 0.7% | 0.9% | 0.9% | 1.1% | 1.5% | 1.0% | 1.3% | 1.0% |
| SG&A / revenue | 25.1% | 25.0% | 27.5% | 31.7% | 35.6% | 35.3% | 32.4% | 33.8% | 35.3% | 34.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 20.1 | 21.4 | 22.7 | 22.8 | 23.1 | 21.1 | 19.4 | 21.4 | 23.8 | 22.9 |
| Days of inventory on hand | — | — | -649.7 | -4,508.9 | 94,126.9 | -4,423.4 | — | — | — | — |
| Receivables turnover | 18.17 | 17.08 | 16.08 | 16.04 | 15.80 | 17.32 | 18.83 | 17.02 | 15.34 | 15.94 |
| Asset turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Average receivables | $84.6M | $86.7M | $80.3M | $57.9M | $45.3M | $40.2M | $34.0M | $33.9M | $30.2M | $26.9M |
| Average inventory | — | — | −$905.7M | −$1.54B | −$2.01B | −$1.66B | — | — | — | — |
| Intangibles / total assets | 3.5% | 3.5% | 3.6% | 3.2% | 2.3% | 2.1% | 2.6% | 2.6% | 2.1% | 1.5% |
Computed from UCB's annual financial statements (latest annual report filed February 17, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
UCB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), United Community Banks traded at 11.6 times earnings, against a 10-year median of 13.8. Based on the latest twelve months, the trailing P/E is 11.1 and the forward P/E is 12.5. United Community Banks earned a return on equity of 9.3% in fiscal 2025. It ended the year with $205.4 million of debt and $4.0 billion in cash and short-term investments, a net cash position of $3.7 billion. It returned $259.0 million to shareholders: $123.2 million in dividends and $135.8 million in share buybacks, 64% of free cash flow. The share count rose 69.4% from 71.9M to 121.8M over 9 years.
See the UCB income statement, the UCB chart for price history, or the UCB stock overview for the latest quote and news.
UCB key metrics FAQ
What is United Community Banks's P/E ratio?
United Community Banks's trailing P/E ratio is 11.1 based on the last twelve months of earnings (as of October 17, 2026), and its forward P/E is 12.5. At the end of fiscal 2025 it was 11.6, compared with a 10-year median of 13.8.
What is United Community Banks's EV/EBITDA?
United Community Banks's enterprise value was 0.1 times EBITDA at the end of fiscal 2025 (enterprise value $55.5 million, EBITDA $468.4 million).
What is United Community Banks's return on equity?
United Community Banks's return on equity (ROE) was 9.3% in fiscal 2025: net income of $328.1 million on average shareholders' equity of $3.5 billion.
How much debt does United Community Banks have?
United Community Banks had total debt of $205.4 million at the end of fiscal 2025, a debt-to-equity ratio of 0.06 and more cash than debt.
What is United Community Banks's dividend yield?
United Community Banks's forward dividend yield is 3.05%. United Community Banks paid $123.2 million in dividends in fiscal 2025 ($1.01 per share), a payout ratio of 37.6%.
Does United Community Banks buy back its shares?
Yes. United Community Banks spent $135.8 million on net share repurchases in fiscal 2025 Shares outstanding changed +1.6% over the year, to 121.8M..
What is United Community Banks's free cash flow yield?
United Community Banks generated $407.7 million of free cash flow in fiscal 2025, a free cash flow yield of 10.7% on its market value at year-end ($3.8 billion).
What is United Community Banks's current ratio?
United Community Banks's current ratio was 47.49 at the end of fiscal 2025: current assets were 47.49 times current liabilities.