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UNITED COMMUNITY BANKS INC

UCB

$35.70 ▼ -0.37 (-1.03%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

UNITED COMMUNITY BANKS INC shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $4.3B

Dividend Yield 2.75%

Revenue Growth 11.7% ↗

Op. Margin 39.7% ↗

ROIC None

FCF / Share None

Trailing P/E 13.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.06

info Valuation on last close. End-of-day price, Aug 6, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.06B

↑ +11.7% —

Net Income Profit after all expenses

$328.10M

↑ +30.0% —

Operating Margin Operating profit as % of sales

39.7%

↑ +17.1% 93th

Long-Term Debt Long-term obligations

$120.40M

↓ -52.6% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.98 Latest / share

+4.3% YoY

+22.0% 12-yr CAGR

$0.11

FY 2014

$0.22

FY 2015

$0.30

FY 2016

$0.38

FY 2017

$0.58

FY 2018

$0.68

FY 2019

$0.72

FY 2020

$0.78

FY 2021

$0.86

FY 2022

$0.92

FY 2023

$0.94

FY 2024

$0.98

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+94%)	6.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	0.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-94%)	25.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+332%)	7.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+24%)	14.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+143%)	8.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	19.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+228%)	10.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+68%)	22.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+271%)	18.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+208%)	1.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-78%)	-3.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-155%)	0.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-86%)	-2.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-144%)	-5.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-186%)	—	—
EPS Growth YoY (%)	28.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	32.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-38.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-15.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	55.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	11.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	125.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-34.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	28.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-1.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-75.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1068.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	78.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	30.0% Excellent ↑ Excellent Improving Year-over-year change in net income	34.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-32.4% Weak ↓ Weak Declining Year-over-year change in net income	2.8% Caution ↓ Caution Declining Year-over-year change in net income	64.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-11.6% Weak ↓ Weak Declining Year-over-year change in net income	11.8% Fair ↓ Fair Declining Year-over-year change in net income	144.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-32.6% Weak ↓ Weak Declining Year-over-year change in net income	40.6% Excellent ↓ Excellent Declining Year-over-year change in net income	5.9% Fair ↓ Fair Declining Year-over-year change in net income	-75.2% Weak ↓ Weak Declining Year-over-year change in net income	706.8% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	54.9% Excellent Excellent Year-over-year change in net income	-120.0% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	15.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	10.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	14.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	12.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-0.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.7% Weak Weak Compound annual revenue growth over 3 years	-2.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	14.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.6% Caution Caution Compound annual revenue growth over 5 years	-1.8% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	1.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-11.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	12.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	27.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-6.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-31.9% Weak Weak Compound annual EPS growth over 3 years	42.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	39.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	33.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	26.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	40.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	49.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	31.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	—	—	—	40.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	34.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	38.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	22.3% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	38.2% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	30.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	26.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	21.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	31.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	38.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	24.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	32.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	31.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	24.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	21.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	99.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+352%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	-80.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-466%)	-173.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-888%)	-74.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-440%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	-3.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	9.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	10.3% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-57%)	9.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	7.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	34.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+186%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	-39.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-428%)	-107.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-993%)	-23.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-298%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.13x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.10x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.18x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.11x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-91%)	0.16x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.18x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.13x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.17x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.16x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.31x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-75%)	0.39x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-68%)	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$8.76	$7.95	$7.60	$8.34	$8.04	$7.91	$7.20	$6.67	$6.07	$5.61	$5.04	$4.60	$4.67	$4.91	$7.06	$15.30	—	—
Basic EPS, GAAP (USD)	$2.62	$2.04	$1.54	$2.52	$2.97	$1.91	$2.31	$2.07	$0.92	$1.40	$1.09	$1.11	$4.44	$0.38	$-5.97	$-27.09	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.98	$0.94	$0.92	$0.86	$0.78	$0.72	$0.68	$0.58	$0.38	$0.30	$0.22	$0.11	—	—	—	—	—	—
Book Value per Share (USD)	$30.17	$28.75	$27.41	$25.42	$24.87	$23.16	$20.70	$18.40	$16.80	$15.17	$15.38	$14.74	$17.21	$13.70	$13.82	$24.76	—	—
Tangible Book Value per Share (USD)	$22.50	$21.15	$19.68	$18.35	$19.81	$18.92	$16.56	$14.52	$13.96	$13.17	$13.41	$14.71	$17.21	$13.70	$13.82	$24.76	—	—
Basic Weighted Avg Shares (shares)	121.31M	119.78M	117.60M	106.66M	87.94M	83.18M	79.70M	79.66M	73.25M	71.91M	65.49M	60.59M	58.79M	57.86M	39.94M	18.93M	—	—
Dividend Payout Ratio (%)	37.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	59.7% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	26.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.4% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	28.0% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	41.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	20.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	9.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$120.40M	$254.15M	$324.82M	$324.66M	$247.36M	$326.96M	$212.66M	$267.19M	$120.55M	$175.08M	$163.84M	$129.87M	$129.87M	$124.81M	$120.22M	—	—	—
Total Equity (USD)	$3.64B	$3.43B	$3.26B	$2.70B	$2.22B	$2.01B	$1.64B	$1.46B	$1.30B	$1.08B	$1.02B	$739.58M	$795.72M	$581.40M	$575.49M	$468.58M	$962.32M	$989.38M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.06B	$952.12M	$893.25M	$890.06M	$706.85M	$657.87M	$574.11M	$531.71M	$444.25M	$403.48M	$329.95M	$278.44M	$274.76M	$284.18M	$281.87M	$289.60M	$305.45M	—
Net Income, GAAP (USD)	$328.10M	$252.40M	$187.54M	$277.47M	$269.80M	$164.09M	$185.72M	$166.11M	$67.82M	$100.66M	$71.58M	$67.62M	$273.14M	$33.86M	$-226.75M	$-502.34M	$-228.33M	—
Operating Cash Flow (USD)	$384.04M	$349.73M	$293.97M	$607.31M	$359.32M	$158.68M	$153.93M	$270.01M	$207.96M	—	—	—	$191.65M	$183.08M	$151.88M	$123.39M	$139.56M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	3.0%	3.0%	3.1%	2.6%	2.8%	3.6%	3.5%	3.0%	2.9%	2.7%	2.9%	2.9%	3.3%	3.3%	—	—	—
Efficiency Ratio (%) (%)	55.7%	60.7%	64.0%	52.8%	56.1%	55.9%	56.1%	57.6%	60.2%	59.8%	64.0%	—	63.4%	65.7%	92.8%	172.3%	103.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 66 quarters

UNITED COMMUNITY BANKS INC

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