United Community Banks, Inc.
General ticker "UCB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $3.9B (TTM average)
United Community Banks, Inc. follows the US Stock Market performance with the rate: 46.0%.
Estimated limits based on current volatility of 0.8%: low 35.07$, high 35.62$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-15, amount 0.25$ (Y2.82%)
- Total employees count: 3070 (+3.1%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Liquidity and credit risks, Strategic risks and growth management, Operational and conduct risks, Regulatory and compliance, Capital market disruption
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [25.41$, 34.72$]
- 2026-12-31 to 2027-12-31 estimated range: [24.61$, 34.04$]
Financial Metrics affecting the UCB estimates:
- Positive: with PPE of 11.8 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 39.73 > 18.65
- Positive: 6.73 < Operating cash flow per share per price, % of 9.85
- Negative: Shareholder equity ratio, % of 12.99 <= 19.10
- Positive: -3.09 < Return on assets ratio (scaled to [-100,100]) of 1.16
- Positive: Industry earnings per price (median), % of 7.27 > 4.29
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: Inventory ratio change, % of 0 <= 0
Short-term UCB quotes
Long-term UCB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $1,291.29MM | $938.42MM | $1,063.15MM |
| Operating Expenses | $1,058.75MM | $615.41MM | $640.74MM |
| Operating Income | $232.54MM | $323.01MM | $422.41MM |
| Interest Expense | $838.68MM | $1,100.75MM | $947.66MM |
| Income(Loss) | $232.54MM | $323.01MM | $422.41MM |
| Taxes | $45.00MM | $70.61MM | $94.32MM |
| Net Income(Loss)* | $187.54MM | $252.40MM | $328.10MM |
| Stockholders Equity | $3,261.53MM | $3,432.13MM | $3,638.69MM |
| Assets | $27,297.25MM | $27,720.26MM | $28,002.55MM |
| Operating Cash Flow | $293.97MM | $349.73MM | $384.04MM |
| Capital expenditure | $72.48MM | $47.04MM | $27.58MM |
| Investing Cash Flow | $-163.29MM | $-991.04MM | $33.42MM |
| Financing Cash Flow | $226.34MM | $157.31MM | $-541.57MM |
| Earnings Per Share** | $1.59 | $2.11 | $2.70 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.