United community banks, inc. UCB.US Overview
UCB AI Analysis & Strategy
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UCB Current Performance
-1.47%
United community banks, inc.
-0.66%
Avg of Sector
-0.13%
S&P500
UCB Key Information
UCB Revenue by Segments
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UCB Net Income
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UCB Cash Flow
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UCB Profit Margin
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UCB PE Ratio River
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UCB Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
UCB Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
UCB Profile
United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.
Price of UCB
UCB FAQ
When is UCB's latest earnings report released?
The most recent financial report for United community banks, inc. (UCB) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating UCB's short-term business performance and financial health. For the latest updates on UCB's earnings releases, visit this page regularly.
Where does UCB fall in the P/E River chart?
According to historical valuation range analysis, United community banks, inc. (UCB)'s current price-to-earnings (P/E) ratio is 11.48, placing it in the Reasonable zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of UCB?
According to the latest financial report, United community banks, inc. (UCB) reported an Operating Profit of 156.7M with an Operating Margin of 60.21% this period, representing a growth of 78.08% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is UCB's revenue growth?
In the latest financial report, United community banks, inc. (UCB) announced revenue of 260.24M, with a Year-Over-Year growth rate of 11.68%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does UCB have?
At the end of the period, United community banks, inc. (UCB) held Total Cash and Cash Equivalents of 201.51M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does UCB go with three margins increasing?
In the latest report, United community banks, inc. (UCB) achieved the “three margins increasing” benchmark, with a gross margin of 62.37%%, operating margin of 60.21%%, and net margin of 30.25%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess UCB's profit trajectory and future growth potential.
Is UCB's EPS continuing to grow?
According to the past four quarterly reports, United community banks, inc. (UCB)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.63. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of UCB?
United community banks, inc. (UCB)'s Free Cash Flow (FCF) for the period is 94.32M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 25.57% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of UCB?
The latest valuation data shows United community banks, inc. (UCB) has a Price-To-Earnings (PE) ratio of 11.48 and a Price/Earnings-To-Growth (PEG) ratio of 1.33. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.