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United community banks, inc.UCB.US Overview

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UCB Recent Performance

0.67%

United community banks, inc.

1.79%

Avg of Sector

-0.31%

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UCB Key Information

UCB Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

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.

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UCB FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

UCB Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.66
PE Ratio (TTM)
12.28
Forward PE
12.07
PS Ratio (TTM)
3.79
PB Ratio
1.13
Price-to-FCF
9.38
METRIC
VALUE
vs. INDUSTRY
Gross Margin
89.72%
Net Margin
26.83%
Revenue Growth (YoY)
31.85%
Profit Growth (YoY)
18.30%
3-Year Revenue Growth
21.78%
3-Year Profit Growth
7.99%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.66
PE Ratio (TTM)
12.28
Forward PE
12.07
PS Ratio (TTM)
3.79
PB Ratio
1.13
Price-to-FCF
9.38
Gross Margin
89.72%
Net Margin
26.83%
Revenue Growth (YoY)
31.85%
Profit Growth (YoY)
18.30%
3-Year Revenue Growth
21.78%
3-Year Profit Growth
7.99%

  • When is UCB's latest earnings report released?

    The most recent financial report for United community banks, inc. (UCB) covers the period of 2025Q4 and was published on 2025/12/31. 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 10.98, placing it in the Value 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 112.68M with an Operating Margin of 27.93% this period, representing a growth of 14.14% 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 403.45M, with a Year-Over-Year growth rate of 68.48%. 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 debt does UCB have?

    As of the end of the reporting period, United community banks, inc. (UCB) had total debt of 205.4M, with a debt ratio of 0.01. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does UCB have?

    At the end of the period, United community banks, inc. (UCB) held Total Cash and Cash Equivalents of 202.59M, 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 69.74%%, operating margin of 27.93%%, and net margin of 21.43%%. 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 0.71. 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 117.71M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 7,545.22% 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.