United Community Banks IncUCB

NYSEFinanceState Commercial Banks

Price (close)

$33.88

Market cap

$4.1B

P/E

10.8x

Revenue (TTM)

$1.1B

Net income

$377.9M

Dividend yield

2.98%

1-year total return

10.4%

Net margin

34.0%

Revenue growth

13.8%

Debt / equity

0.10x

What United Community Banks Inc does.

United Community Banks, Inc., headquartered in Greenville, South Carolina, is a bank holding company under the BHC Act and a financial holding company under the GLB Act. We provide diversified financial services primarily through our principal subsidiary, United Community Bank, a South Carolina state-chartered bank. We have grown through a combination of strategic acquisitions and organic growth throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama as well as nationally through our SBA/USDA lending and equipment finance businesses. As of December 31, 2025, we had consolidated total assets of $28.0 billion.

As a financial holding company, we coordinate the financial resources of the consolidated enterprise and maintain systems of financial, operational, and administrative control intended to coordinate selected policies and activities, including as described in Item 9A of Part II.

• On September 15, 2025, as part of our ongoing capital management strategy, we redeemed all outstanding shares of our Series I preferred stock, which had a carrying value of $88.3 million.

Revenue and profit, by fiscal year.

Fiscal year	2020	2021	2022	2023	2024	2025
Revenue	$577.4M	$744.4M	$826.2M	$893.2M	$952.1M	$1.1B
Net income	$164.1M	$269.8M	$277.5M	$187.5M	$252.4M	$328.1M
Free cash flow	$140.2M	$332.8M	$564.6M	$221.5M	$302.7M	$356.5M

More on UCB.

Figures from United Community Banks Inc's filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.