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UNITED COMMUNITY BANKS INC UCB

NYSE · stock · State Commercial Banks · website · IPO 2001-05-16 · LEI

UNITED COMMUNITY BANKS INC statistics & valuation

Market cap$4.3B
P / E13.0×
P / S4.0×
P / B1.2×
P / FCF12.0×
Dividend yield2.78%
Net margin30.9%
Return on equity9.0%
FCF margin33.5%
Net debt$120.4M
Enterprise value USD$4.4B
Graham number +15.5%$42.03

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($42.03); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
24.90% 15.40% 31.80% 33.10% 28.40% 36.20% 33.60% 21.00% 26.50% 30.90% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.40% 5.20% 11.40% 11.40% 8.20% 12.10% 10.30% 5.80% 7.40% 9.00% 2016201720182019202020212022202320242025
Shares outstanding
71.9M 77.6M 79.7M 79.7M 86.7M 89.3M 106.8M 119.0M 119.9M 121.4M 2016201720182019202020212022202320242025
Net debt ($)
-$42.3M -$193.7M $267.2M $212.7M $327.0M $247.4M $324.7M $324.8M $254.2M $120.4M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.90% 0.60% 1.30% 1.40% 0.90% 1.30% 1.20% 0.70% 0.90% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
30.30% 42.20% 48.30% 23.70% 24.30% 44.70% 68.30% 24.80% 31.80% 33.50% 2016201720182019202020212022202320242025
Debt / equity (×)
0.16× 0.09× 0.18× 0.13× 0.16× 0.11× 0.12× 0.10× 0.07× 0.03× 2016201720182019202020212022202320242025
EPS ($)
$1.40 $0.92 $2.07 $2.31 $1.91 $2.97 $2.52 $1.54 $2.04 $2.62 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

UNITED COMMUNITY BANKS INC trades at about 13.9× earnings — below its 10-year norm (10-year range 11.9×–34.4×, median 15.6×).

11.9× 34.4×

Shaded band = 10-year range (11.9×–34.4×); dot = today's 13.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin30.9%26.5%21.0%33.6%36.2%28.4%33.1%31.8%15.4%24.9%
FCF margin33.5%31.8%24.8%68.3%44.7%24.3%23.7%48.3%42.2%30.3%
Return on assets1.2%0.9%0.7%1.2%1.3%0.9%1.4%1.3%0.6%0.9%
Return on equity9.0%7.4%5.8%10.3%12.1%8.2%11.4%11.4%5.2%9.4%
Debt / equity0.03×0.07×0.10×0.12×0.11×0.16×0.13×0.18×0.09×0.16×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.