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United Community Banks, Inc.

NYSE•UCB
CEO: Mr. Herbert Lynn Harton
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
125 Highway 515 East, Blairsville, GA, 30512, United States
706-781-2265
www.ucbi.com
時価総額
$3.61B
PER (TTM)
11.2
13.8
配当利回り
3.2%
52週高値
$36.77
52週安値
$22.93
52週レンジ
52%
順位39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$403.45M+6.27%
直近4四半期の推移

EPS

$0.71+16.39%
直近4四半期の推移

フリーCF

$110.98M+0.00%
直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

MTB stock ticker logoMTB
$12.31B
-8.2%
WBS stock ticker logoWBS
$4.42B
+5.8%
SNV stock ticker logoSNV
$3.33B
-0.6%

粗利益率 (最新四半期)

BANF stock ticker logoBANF
100.0%
+29.6pp
SNV stock ticker logoSNV
96.5%
+38.9pp
TBBK stock ticker logoTBBK
75.6%
+0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
MTB$30.46B11.49.9%6.1%
WBS$10.95B10.910.7%5.1%
CADE$7.85B14.79.1%4.1%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
3.3%
緩やかな成長
4四半期純利益CAGR
6.6%
収益性の着実な向上
キャッシュフロー安定性
100%
優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月20日
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EPS:-
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売上高:-
財務データ
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財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書
直近12ヶ月
データなし