United Community Banks/$UCB
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About United Community Banks
United Community Banks Inc provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including its branches, other offices, the Internet, and mobile applications. It operates as a locally-focused community bank, supplemented by experienced, centralized support to deliver products and services to its larger, more sophisticated, customers.
Ticker
$UCB
Sector
Primary listing
NYSE
Industry
Banks
Headquarters
Employees
2,982
ISIN
US90984P3038
Website
UCB Metrics
BasicAdvanced
$3.6B
14.17
$2.11
0.77
$0.95
3.21%
Price and volume
Market cap
$3.6B
Beta
0.77
52-week high
$32.71
52-week low
$22.93
Average daily volume
610K
Dividend rate
$0.95
Financial strength
Dividend payout ratio (TTM)
45.92%
Profitability
Net profit margin (TTM)
28.78%
Operating margin (TTM)
41.12%
Effective tax rate (TTM)
21.65%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
0.95%
Return on equity (TTM)
7.68%
Valuation
Price to earnings (TTM)
14.17
Price to revenue (TTM)
3.949
Price to book
1.05
Price to tangible book (TTM)
1.45
Price to free cash flow (TTM)
11.357
Free cash flow yield (TTM)
8.81%
Free cash flow per share (TTM)
263.28%
Dividend yield (TTM)
3.18%
Forward dividend yield
3.21%
Growth
Revenue change (TTM)
12.08%
Earnings per share change (TTM)
38.09%
3-year revenue growth (CAGR)
7.28%
3-year earnings per share growth (CAGR)
-5.97%
10-year earnings per share growth (CAGR)
6.26%
3-year dividend per share growth (CAGR)
5.90%
10-year dividend per share growth (CAGR)
19.50%
Bulls say / Bears say
United Community Banks reported a net income of $75.8 million for Q4 2024, marking a significant increase from the previous year, indicating strong financial performance. (ir.ucbi.com)
The bank achieved a 10 basis point increase in net interest margin in Q1 2025, primarily driven by lower deposit costs, reflecting effective financial management. (tipranks.com)
United Community Banks announced the acquisition of American National Bank, expanding its presence in the fast-growing South Florida market, which could drive future growth. (ir.ucbi.com)
The bank's net interest margin decreased by seven basis points to 3.26% in Q4 2024, indicating potential challenges in managing interest rate sensitivity. (nasdaq.com)
Noninterest income declined by $4.8 million in Q1 2025 compared to the previous quarter, suggesting challenges in generating revenue outside of traditional banking activities. (tipranks.com)
The provision for credit losses increased by $4.0 million in Q1 2025, indicating higher expectations for potential loan defaults, which could reflect concerns about the credit quality of the loan portfolio. (quiverquant.com)
Data summarised monthly by Lightyear AI. Last updated on 10 Jun 2025.
UCB News
AllArticlesVideos
United Community Banks, Inc. Announces Quarterly Cash Dividend on Common and Preferred Stock
GlobeNewsWire·1 month ago
United Community Banks, Inc. Announces Completion of Merger With ANB Holdings, Inc., The Parent of American National Bank
GlobeNewsWire·2 months ago
United Community Banks, Inc. Reports First Quarter Earnings
GlobeNewsWire·2 months ago
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
Jul3
United Community Banks
Dividend·Payment
$0.24Per share
FAQs
What’s the current market cap for United Community Banks stock?
United Community Banks (UCB) has a market cap of $3.6B as of June 27, 2025.
What is the P/E ratio for United Community Banks stock?
The price to earnings (P/E) ratio for United Community Banks (UCB) stock is 14.17 as of June 27, 2025.
Does United Community Banks stock pay dividends?
Yes, the United Community Banks (UCB) stock pays dividends to shareholders. As of June 27, 2025, the dividend rate is $0.95 and the yield is 3.21%. United Community Banks has a payout ratio of 45.92% on a trailing twelve-month basis.
When is the next United Community Banks dividend payment date?
The next United Community Banks (UCB) dividend payment is scheduled for July 03, 2025.
What is the beta indicator for United Community Banks?
United Community Banks (UCB) has a beta rating of 0.77. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.