UNITED COMMUNITY BANKS INC
UCBNYSE
$36.45
↓ -1.7%Jul 17 close · end-of-day
Price
1Y↑ +21.4%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$4.4B
Enterprise Value
$4.5B
P/E
13.4
P/S
4.0
P/B
1.2
EV/EBITDA
—
PEG
10.2
FCF Yield
7.4%
Dividend Yield
2.7%
Revenue (TTM)
$1.1B
Net Income (TTM)
$341.0M
Free Cash Flow (TTM)
$324.5M
Gross Margin
—
Operating Margin
—
Net Margin
31.2%
ROE
9.3%
ROIC
—
Debt / Equity
0.0
Net Cash
-$120.5M
Return 1Y
+18.5%
Company profile
United Community Banks, Inc. provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee.
- CEO
- Herbert L. Harton
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 3,070
- Headquarters
- South Carolina
- Website
- ucbi.com
Management & directors
- Kumler Alan HSVP, Chief Accounting Officer
- Bradshaw RichardEVP, Chief Banking Officer
- Harton H LynnPresident & CEO
- Berry Holly NEVP, Chief HR Officer
- Cox AbrahamEVP, Chief Consumer & SBBO
- Edwards Robert A.EVP, Chief Risk Officer
- Harralson Jefferson LEVP, CFO
- Lux Melinda DavisEVP, CAO & GC
- Terry Mark AaronEVP, Chief Information Officer
Roles derived from SEC Form 4 filings.
Earnings
UCB Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$276.5M↑ +11.6%
Diluted EPS$0.69↑ +19.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $577.4M | $744.4M | $826.2M | $893.2M | $952.1M | $1.1B |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $164.1M | $269.8M | $277.5M | $187.5M | $252.4M | $328.1M |
| Diluted EPS | $1.91 | $2.97 | $2.52 | $1.54 | $2.04 | $2.62 |
| Operating cash flow | $158.7M | $359.3M | $607.3M | $294.0M | $349.7M | $384.0M |
| Free cash flow | $140.2M | $332.8M | $564.6M | $221.5M | $302.7M | $356.5M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 28.4% | 36.2% | 33.6% | 21.0% | 26.5% | 30.9% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $245.3M | $217.3M | $250.9M | $247.7M | $260.2M | $276.8M | $278.4M | $276.5M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $66.6M | $47.3M | $75.8M | $71.4M | $78.7M | $91.5M | $86.5M | $84.3M |
| Diluted EPS | $0.54 | $0.38 | $0.61 | $0.58 | $0.63 | $0.70 | $0.71 | $0.69 |
| Operating cash flow | $105.1M | $7.7M | $148.1M | $98.6M | $96.8M | $123.1M | $65.5M | $69.3M |
| Free cash flow | $87.2M | -$2.2M | $142.6M | $94.3M | $84.7M | $117.7M | $59.7M | $62.4M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 27.2% | 21.8% | 30.2% | 28.8% | 30.3% | 33.0% | 31.1% | 30.5% |
Company news
Jul 14, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-05-15 | KUMLER ALAN H· SVP, Chief Accounting Officer | Tax withholding | 113 | $32.06 | $3,622.78 | filing |
| 2026-05-13 | DANIELS KENNETH L | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | Bazante Jennifer M. | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | BELL GEORGE B. | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | CLEMENTS JAMES P | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | Davis Sally Pope | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | Drummond Lance F. | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | WALLIS TIM | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | JAMES JOHN MARC | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | WILKINS DAVID H | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | RICHLOVSKY THOMAS A | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-05-13 | Mann Jennifer | Award | 2,330 | $0.00 | $0.00 | filing |
| 2026-04-27 | BRADSHAW RICHARD· EVP, Chief Banking Officer | Sale | 1,510 | $33.09 | $49,965.90 | filing |
| 2026-02-18 | HARTON H LYNN· President & CEO | Sale | 25,000 | $34.64 | $865,900.00 | filing |
| 2026-02-15 | HARTON H LYNN· President & CEO | Tax withholding | 11,622 | $34.56 | $401,656.32 | filing |
| 2026-02-15 | HARTON H LYNN· President & CEO | Tax withholding | 9,755 | $34.56 | $337,132.80 | filing |
| 2026-02-15 | BRADSHAW RICHARD· EVP, Chief Banking Officer | Tax withholding | 2,359 | $34.56 | $81,527.04 | filing |
| 2026-02-15 | HARRALSON JEFFERSON L· EVP, CFO | Tax withholding | 2,115 | $34.56 | $73,094.40 | filing |
| 2026-02-15 | HARRALSON JEFFERSON L· EVP, CFO | Tax withholding | 1,583 | $34.56 | $54,708.48 | filing |
| 2026-02-15 | LUX MELINDA DAVIS· EVP, CAO & GC | Tax withholding | 1,522 | $34.56 | $52,600.32 | filing |
| 2026-02-15 | EDWARDS ROBERT A.· EVP, Chief Risk Officer | Tax withholding | 1,392 | $34.56 | $48,107.52 | filing |
| 2026-02-15 | BRADSHAW RICHARD· EVP, Chief Banking Officer | Tax withholding | 1,374 | $34.56 | $47,485.44 | filing |
| 2026-02-15 | LUX MELINDA DAVIS· EVP, CAO & GC | Tax withholding | 1,230 | $34.56 | $42,508.80 | filing |
| 2026-02-15 | EDWARDS ROBERT A.· EVP, Chief Risk Officer | Tax withholding | 1,006 | $34.56 | $34,767.36 | filing |
| 2026-02-15 | Terry Mark Aaron· EVP, Chief Information Officer | Tax withholding | 633 | $34.56 | $21,876.48 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.