| Index | — | P/E | 31.63 | EPS (ttm) | 1.19 | Insider Own | 0.71% | Shs Outstand | 119.76M | Perf Week | 1.40% |
| Market Cap | 4.51B | Forward P/E | 10.91 | EPS next Y | 3.45 | Insider Trans | -3.03% | Shs Float | 119.17M | Perf Month | 10.35% |
| Enterprise Value | 3.66B | PEG | 2.92 | EPS next Q | 0.82 | Short Float | 4.60% | Perf Quarter | 4.15% | ||
| Income | 146.00M | P/S | 3.57 | EPS this Y | 11.68% | Short Ratio | 6.30 | Perf Half Y | 13.41% | ||
| Sales | 1.26B | P/B | 1.29 | EPS next Y | 14.16% | ROA | 0.51% | Short Interest | 5.48M | Perf YTD | 20.56% |
| Book/sh | 29.28 | P/C | 0.61 | EPS next 5Y | 10.82% | ROE | 4.03% | 52W High | 37.93 -0.76% | Perf Year | 28.60% |
| Cash/sh | 61.97 | P/FCF | 15.33 | EPS past 3/5Y | 1.31% 6.53% | ROIC | 3.46% | 52W Low | 28.65 31.38% | Perf 3Y | 65.96% |
| Dividend Est. | 1.04 (2.76%) | EV/EBITDA | 16.19 | Sales past 3/5Y | 18.27% 17.17% | Gross Margin | 66.03% | Volatility | 1.99% 2.07% | Perf 5Y | 4.85% |
| Dividend TTM | 1.01 (2.68%) | EV/Sales | 2.89 | EPS Y/Y TTM | -52.78% | Oper. Margin | 13.86% | ATR (14) | 0.80 | Perf 10Y | 79.32% |
| Dividend Ex-Date | Sep 15, 2026 | Quick Ratio | 0.30 | Sales Y/Y TTM | -16.52% | Profit Margin | 11.61% | RSI (14) | 67.67 | Recom | 2.57 |
| Dividend Gr. 3/5Y | 4.45% 6.36% | Current Ratio | 0.30 | EPS Q/Q | 2.67% | SMA20 | 7.00% | Beta | 0.87 | Target Price | 40.33 |
| Payout | 62.61% | Debt/Eq | 0.01 | Sales Q/Q | -74.68% | SMA50 | 7.96% | Rel Volume | 1.15 | Prev Close | 36.73 |
| Employees | 3,070 | LT Debt/Eq | 0.01 | Earnings | Jan 13 | SMA200 | 10.40% | Avg Volume | 908.35K | Price | 37.64 |
| IPO Date | Mar 18, 2002 | Option/Short | Yes / Yes | EPS/Sales Surpr. | -0.37% 3.24% | Net Debt/EBITDA | -32.66 | Volume | 1,045,777 | Change | 2.48% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Oct-21-26 | Reiterated | Stephens & Co. | Overweight | $40 → $42 |
| Sep-09-26 | Reiterated | DA Davidson | Buy | $40 → $42 |
| Jul-22-26 | Reiterated | Piper Sandler | Neutral | $35 → $37 |
| Jun-17-26 | Reiterated | Piper Sandler | Neutral | $35 |
| Jun-15-26 | Reiterated | DA Davidson | Buy | $39 → $40 |
| Apr-28-26 | Reiterated | Stephens & Co. | Overweight | $39 → $40 |
| Apr-09-26 | Upgrade | Keefe, Bruyette & Woods | Market Perform → Outperform | |
| Jan-15-26 | Reiterated | DA Davidson | Buy | $39 |
| Jan-15-26 | Reiterated | Stephens & Co. | Overweight | $39 |
| Jul-08-25 | Downgrade | Raymond James | Outperform → Market Perform |
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,263 | 1,537 | 1,480 | 1,291 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 429 | 523 | 601 | 509 | — | — | — | — | — | |
| Gross Profit | 834 | 1,014 | 879 | 783 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 501 | 387 | 370 | 355 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 158 | 205 | 186 | 195 | — | — | — | — | — | |
| Operating Income | 175 | 422 | 323 | 233 | — | — | — | — | — | |
| Interest Expense | 423 | 474 | 550 | 419 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 434 | 474 | 550 | 419 | — | — | — | — | — | |
| Net Income Before Taxes | 186 | 422 | 323 | 233 | — | — | — | — | — | |
| Income Taxes | 40 | 94 | 71 | 45 | — | — | — | — | — | |
| Consolidated Net Income | 146 | 328 | 252 | 188 | — | — | — | — | — | |
| Net Income From Continuing Operations | 146 | 328 | 252 | 188 | — | — | — | — | — | |
| Net Income | 146 | 328 | 252 | 188 | — | — | — | — | — | |
| EPS (Recurring) | 1.19 | 2.63 | 2.04 | 1.54 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 1.19 | 2.63 | 2.04 | 1.54 | — | — | — | — | — | |
| EPS (Diluted) | 1.19 | 2.62 | 2.04 | 1.54 | — | — | — | — | — | |
| EBITDA | 226 | 468 | 364 | 278 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 31.63 | 11.92 | 15.84 | 19.00 | — | — | — | — | — | |
| Price To Sales Ratio | 3.58 | 2.48 | 2.62 | 2.67 | — | — | — | — | — | |
| Gross Margin | 66.03 | 65.97 | 59.39 | 60.65 | — | — | — | — | — | |
| Operating Margin | 13.86 | 27.46 | 21.82 | 18.05 | — | — | — | — | — | |
| Net Margin | 11.56 | 21.34 | 17.03 | 14.56 | — | — | — | — | — | |
| Shares Outstanding | 120 | 122 | 120 | 118 | — | — | — | — | — | |
| Market Capitalization | 4,517 | 3,809 | 3,877 | 3,453 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| BRADSHAW RICHARD | EVP, Chief Banking Officer | Oct 26 '26 | Sale | 37.17 | 1,345 | 49,993 | 82,054 | Oct 26 |
| Carande Carl Steven | Director | Aug 10 '26 | Buy | 35.35 | 2,101 | 74,270 | 3,689 | Aug 10 |
| HARRALSON JEFFERSON L | EVP, CFO | Jul 28 '26 | Sale | 35.41 | 25,000 | 885,250 | 37,433 | Jul 28 |
| BRADSHAW RICHARD | EVP, Chief Banking Officer | Jul 27 '26 | Sale | 35.09 | 1,424 | 49,968 | 83,228 | Jul 27 |
| BRADSHAW RICHARD | EVP, Chief Banking Officer | Apr 27 '26 | Sale | 33.09 | 1,510 | 49,966 | 84,497 | Apr 28 |
| HARTON H LYNN | President & CEO | Feb 18 '26 | Sale | 34.64 | 25,000 | 865,900 | 84,123 | Feb 19 |
| BRADSHAW RICHARD | EVP, Chief Banking Officer | Feb 02 '26 | Sale | 34.17 | 1,460 | 49,888 | 72,003 | Feb 03 |
| KUMLER ALAN H | SVP, Chief Accounting Officer | Jan 23 '26 | Sale | 35.36 | 12,043 | 425,806 | 21,096 | Jan 23 |
| BRADSHAW RICHARD | EVP, Chief Banking Officer | Oct 27 '25 | Sale | 30.23 | 1,654 | 50,000 | 75,226 | Oct 28 |
| BRADSHAW RICHARD | EVP, Chief Banking Officer | Jul 28 '25 | Sale | 30.94 | 1,616 | 49,999 | 78,395 | Jul 29 |
| BRADSHAW RICHARD | EVP, Chief Banking Officer | May 05 '25 | Sale | 28.16 | 35 | 986 | 79,890 | May 05 |
| BRADSHAW RICHARD | EVP, Chief Banking Officer | May 02 '25 | Sale | 28.00 | 1,750 | 49,000 | 79,925 | May 05 |
| DANIELS KENNETH L | Director | Apr 28 '25 | Buy | 27.23 | 500 | 13,617 | 2,500 | Apr 28 |
| Davis Sally Pope | Director | Mar 11 '25 | Buy | 28.19 | 1,800 | 50,742 | 3,264 | Mar 13 |
| HARTON H LYNN | President & CEO | Feb 19 '25 | Sale | 33.29 | 3,321 | 110,563 | 109,123 | Feb 19 |