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
14.20
$2.20
0.85
$0.96
3.07%
Price and volume
Market cap
$3.8B
Beta
0.85
52-week high
$34.04
52-week low
$22.93
Average daily volume
516K
Dividend rate
$0.96
Financial strength
Dividend payout ratio (TTM)
44.37%
Profitability
Net profit margin (TTM)
29.61%
Operating margin (TTM)
42.27%
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)
14.199
Price to revenue (TTM)
4.073
Price to book
1.08
Price to tangible book (TTM)
1.49
Price to free cash flow (TTM)
12.006
Free cash flow yield (TTM)
8.33%
Free cash flow per share (TTM)
2.603
Dividend yield (TTM)
3.07%
Forward dividend yield
3.07%
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
Net interest margin expanded by 14 basis points to 3.50% in Q2 2025, driving a $13.5 million increase in net interest income quarter-over-quarter as funding costs declined and asset mix improved (GlobeNewswire)
Credit quality remained robust with nonperforming assets improving to 0.30% of total assets and net charge-offs falling to 0.18% of average loans, reflecting disciplined underwriting and effective loss provisioning (GlobeNewswire)
Successfully completed the acquisition of American National Bank on May 1, bolstering UCB’s Southeast footprint and enhancing its deposit and loan base in strategic markets (GlobeNewswire)
Excluding the ANB acquisition and seasonal public funds, United Community Banks’ customer deposits rose only $64 million, or 1.3% annualized, in Q2 2025, indicating modest organic funding growth amid competitive deposit markets (GlobeNewswire)
United Community’s 24% exposure to commercial real estate loans raises asset‐quality risks as industry past‐due CRE loans climbed to 1.49%, the highest level since 2014, potentially pressuring UCB’s credit metrics (Reuters)
Ongoing tariff uncertainty may dampen loan demand and heighten credit risk for regional banks like UCB, with J.P. Morgan cautioning that these macro headwinds could constrain sector growth despite solid Q2 results (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 3 Sept 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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Oct3
United Community Banks
DividendPayment
$0.25Per share
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 September 19, 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 14.2 as of September 19, 2025.
Does United Community Banks stock pay dividends?
Yes, the United Community Banks (UCB) stock pays dividends to shareholders. As of September 19, 2025, the dividend rate is $0.96 and the yield is 3.07%. 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 is scheduled for October 03, 2025.
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.