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
Employees
3,050
Headquarters
Website
UCB Metrics
BasicAdvanced
$3.8B
14.31
$2.20
0.85
$0.97
3.18%
Price and volume
Market cap
$3.8B
Beta
0.85
52-week high
$34.04
52-week low
$22.93
Average daily volume
612K
Dividend rate
$0.97
Financial strength
Dividend payout ratio (TTM)
44.37%
Profitability
Net profit margin (TTM)
29.61%
Operating margin (TTM)
41.72%
Effective tax rate (TTM)
21.43%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
0.99%
Return on equity (TTM)
7.86%
Valuation
Price to earnings (TTM)
14.309
Price to revenue (TTM)
4.104
Price to book
1.08
Price to tangible book (TTM)
1.5
Price to free cash flow (TTM)
12.099
Free cash flow yield (TTM)
8.27%
Free cash flow per share (TTM)
2.603
Dividend yield (TTM)
3.08%
Forward dividend yield
3.18%
Growth
Revenue change (TTM)
11.36%
Earnings per share change (TTM)
42.51%
3-year revenue growth (CAGR)
7.04%
3-year earnings per share growth (CAGR)
-2.59%
10-year earnings per share growth (CAGR)
6.62%
3-year dividend per share growth (CAGR)
5.39%
10-year dividend per share growth (CAGR)
18.22%
Bulls say / Bears say
UCB’s net interest margin improved by 14 basis points in Q2 to 3.50%, driven by a more favorable funding mix and higher loan yields amid a steepening yield curve (GlobeNewswire)
The May 1 acquisition of American National Bank contributed $194 million to organic loan growth and strengthened UCB’s presence in the Southeast, underpinning a 4.2% annualized loan growth rate excluding the acquisition (GlobeNewswire)
UCB’s strong brand and customer loyalty are demonstrated by its eleventh J.D. Power award for highest customer satisfaction in the Southeast and its recognition as the region’s most trusted bank for 2025, supporting retention and cross-selling opportunities (GlobeNewswire)
Customer deposits, excluding those from the American National Bank acquisition, decreased by $169 million in the second quarter, demonstrating difficulties in deposit growth in a highly competitive, high-rate environment (GlobeNewswire)
Noninterest income declined by $948 thousand quarter-over-quarter in Q2, suggesting ongoing pressure on fee-based revenue streams as clients reduce borrowing and transaction activity (GlobeNewswire)
Commercial real estate delinquency rates across U.S. banks rose to 1.49%, reaching their highest level since 2014—posing a risk to UCB’s asset quality given its exposure to CRE lending (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
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
No upcoming events
FAQs
What’s the current market cap for United Community Banks stock?
United Community Banks (UCB) has a market cap of $3.8B as of October 14, 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 14.31 as of October 14, 2025.
Does United Community Banks stock pay dividends?
Yes, the United Community Banks (UCB) stock pays dividends to shareholders. As of October 14, 2025, the dividend rate is $0.97 and the yield is 3.18%. United Community Banks has a payout ratio of 44.37% on a trailing twelve-month basis.
When is the next United Community Banks dividend payment date?
The next United Community Banks (UCB) dividend payment date is unconfirmed.
What is the beta indicator for United Community Banks?
United Community Banks (UCB) has a beta rating of 0.85. 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.