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United Community Banks, Inc.

NYSE•UCB
CEO: Mr. Herbert Lynn Harton
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2000-01-04
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.
Contact Information
125 Highway 515 East, Blairsville, GA, 30512, United States
706-781-2265
www.ucbi.com
Market Cap
$4.14B
P/E (TTM)
12.2
13.6
Dividend Yield
2.9%
52W High
$36.77
52W Low
$27.23
52W Range
78%
Rank39Top 39.1%
4.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$377.71M+0.00%
4-Quarter Trend

EPS

$0.69+0.00%
4-Quarter Trend

FCF

$62.36M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Interest Margin Growth FTE Net Interest Margin rose to 3.52% in 2025, driven by 175 bps in Fed funds rate reductions lowering deposit expense.
Asset Quality Shows Significant Reversal Total NPAs fell to $93.5 M by year-end 2025; the $9.80 M Hurricane Helene special reserve was fully released during 2025.
Robust Capital Adequacy Maintained Consolidated CET1 ratio stood at 13.44% as of December 31, 2025, significantly exceeding the 7.0% well-capitalized threshold.
Growth via Acquisition and Debt Paydown Consolidated assets reached $28.0 B, bolstered by the ANB acquisition, while $135 M in senior debt was redeemed.

Risk Factors

Interest Rate Sensitivity Pressures NIM Profitability remains highly dependent on interest rates; flat or inverted yield curves could compress net interest margin substantially.
CRE Concentration Credit Exposure Commercial portfolio (75% of loans) is heavily concentrated in CRE, exposing results to regional real estate market downturns.
Evolving Cybersecurity Threat Landscape Reliance on complex IT systems and third parties increases exposure to sophisticated cyberattacks, potentially causing material disruption.
Challenging Regulatory Environment Substantial regulatory burdens and potential changes in federal policy could increase compliance costs and limit business activities.

Outlook

NIM Outlook Tied to Funding Costs Improvement in NIM is expected to continue reflecting steeper decreases in deposit rates compared to loan yields.
Strategy Focus: Integration and Organic Growth Strategy centers on integrating recent acquisitions like ANB and pursuing profitable organic growth opportunities in core markets.
Managing ACL Volatility and Forecasts ACL remains critical, relying on macroeconomic forecasts; a pessimistic economic scenario could hypothetically increase ACL by $36.0 M.
Keeping Pace with Fintech Disruption Future success requires consistent investment in innovation to keep pace with non-bank competitors and evolving technology demands.

Peer Comparison

Revenue (TTM)

MTB stock ticker logoMTB
$12.36B
-6.9%
WBS stock ticker logoWBS
$4.35B
+3.7%
SNV stock ticker logoSNV
$3.33B
-0.6%

Gross Margin (Latest Quarter)

SNV stock ticker logoSNV
96.5%
+38.9pp
TBBK stock ticker logoTBBK
83.3%
+0.0pp
BANF stock ticker logoBANF
73.2%
+29.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
MTB$33.96B12.910.2%8.9%
WBS$11.98B11.510.8%6.6%
CADE$7.85B14.79.1%4.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.1%
Moderate Growth
4Q Net Income CAGR
2.3%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Jul 22, 2026
|
EPS:$0.73
|
Revenue:$280.41M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data