UNITED COMMUNITY BANKS, INC. (UCB)

35.18USD -0.14% (-0.05)

Over 1M: -0.7%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

35 35.5 36 36.5
31 Jul 5 Aug 10 Aug 13 Aug 18 Aug 21 Aug 26 Aug

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '25 — Net Income: 91.5M Q4 '25 — Net Income: 86.5M Q1 '26 — Net Income: 84.3M Q2 '26 — Net Income: 115.6M 0 25M 50M 75M 100M 125M
Q3 '25 Q4 '25 Q1 '26 Q2 '26
Operating Income Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

9.6
OE margin 31.3%
Accruals -0.036%
FCF margin 32.5%
OCF margin 35.0%
ROE 10.1%
ROA 1.3%
Asset turnover 0.038×
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

10.0
EV/OE 11.0×
Div. yield 2.8%
FCF yield 8.4%
P/B 1.1×
P/E 11.3×
P/C 8.9×
EV/Sales 3.4×
EV/EBIT —
EV/GP —
Fwd P/E —
PEG —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

5.2
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

10.0
ND/EBITDA 0.12
Cash / Debt 23.4×
Debt / Eq 0.0055×
Debt payback 0.0 yr
F-score 7.7 pts
Payout 32.1%
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

2.6
Sales/sh Y/Y +12.4%
EPS Y/Y +36.5%
Div. growth +5.5%
Sales Q/Q +7.3%
EPS CAGR 4Y -3.1%
EBIT CAGR —
EBIT Y/Y —
EPS next Y —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.