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United Community Banks, Inc.

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
$4.30B
PER (TTM)
13.1
15.3
配当利回り
2.8%
52週高値
$36.77
52週安値
$22.93
52週レンジ
90%
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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Interest Revenue Rises Q3 Net Interest Revenue increased 12% to $233.6M, driven by NIM expansion to 3.58% due to lower deposit costs.
Strong Profitability Improvement Net income reached $91.5M for the quarter, resulting in diluted EPS of $0.70, significantly higher than prior year results.
Asset Growth via Acquisition Total assets grew to $28.1B as of September 30, 2025, reflecting the successful May 1, 2025 acquisition of ANB.
Robust Capital Adequacy Consolidated CET1 capital ratio remains strong at 13.44%, comfortably exceeding the 6.5% well-capitalized minimum requirement.

リスク要因

Worsening Economic Forecast Baseline economic forecast worsened slightly due to labor market slowdown and uncertainty regarding recently implemented tariffs.
Rising Noninterest Expenses Salaries and benefits expense increased 9% sequentially to $90.7M, reflecting ANB acquisition costs and annual merit increases.
Nonaccrual Loan Levels Total nonaccrual loans stood at $59.83M, although this represents a $22.87M decrease from year-end 2024 levels.
Interest Rate Risk Exposure Balance sheet structure reflects more floating rate loans and a slight asset duration shortening, increasing sensitivity to rate changes.

見通し

Positive NIM Trajectory Margin improvement is expected to continue as deposit funding costs decrease faster than the yields earned on the loan portfolio.
Capital Optimization Strategy Redemption of all Series I preferred stock reflects ongoing capital management efforts and shareholder value focus.
Credit Loss Reserve Management ACL estimates incorporate $1.88M for Hurricane Helene losses, showing management's adjustment to localized economic impacts.
ANB Integration Impact Future results will fully reflect ANB's operating performance subsequent to the acquisition date of May 1, 2025.

同業比較

売上高 (TTM)

M&T Bank CorporationMTB
$12.31B
-8.2%
Webster Financial CorporationWBS
$4.42B
+5.8%
Synovus Financial Corp.SNV
$3.33B
-0.6%

粗利益率 (最新四半期)

BancFirst CorporationBANF
100.0%
+29.6pp
Synovus Financial Corp.SNV
96.5%
+38.9pp
The Bancorp, Inc.TBBK
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$36.30B13.59.9%6.1%
WBS$11.78B11.710.7%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
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $391.10M+11.6%
    |
    EPS: $0.71+86.8%
    予想通り
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $376.17M-0.7%
    |
    EPS: $0.63+16.7%
    予想通り
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $366.26M-1.4%
    |
    EPS: $0.58+13.7%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月27日|
    売上高: $1.48B+14.6%
    |
    EPS: $2.04+32.5%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月8日|
    売上高: $350.52M+0.2%
    |
    EPS: $0.38-2.6%
    予想を下回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月9日|
    売上高: $378.70M+15.8%
    |
    EPS: $0.54+1.9%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $371.57M+22.2%
    |
    EPS: $0.51-1.9%
    予想通り
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月23日|
    売上高: $1.29B+39.0%
    |
    EPS: $1.54-38.9%
    予想を下回る