UCB
UNITED COMMUNITY BANKS INCCompany Information
- Company Name
- UNITED COMMUNITY BANKS INC
- CIK
- CIK0000857855
- Category
- Large accelerated filer
- Ticker: Exchange
- UCB: NYSE
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- UCB
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-08-10
- Last sale
- 2026-07-28
- Shares purchased (TTM)
- 2,101
- Shares sold (TTM)
- 68,091
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 105,369,537
- Shares outstanding
- 120,303,000
- Ownership
- 87.59%
Earnings Market Reaction
- Filing date
- 2026-08-05
- Price on filing date
- —
- 1-month reaction
- -2.47%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | ||||||||||||||||||
| Cash And Due From Banks | 129 | 177 | 203 | 205 | 202 | 198 | 296 | 203 | 198 | 204 | 201 | 193 | ||||||
| Interest Bearing Deposits In Banks | 326 | 316 | 193 | 408 | 359 | 438 | 224 | 537 | 365 | 758 | 803 | 567 | ||||||
| Cash Cash Equivalents And Federal Funds Sold | 455 | 493 | 396 | 613 | 575 | 637 | 520 | 740 | 563 | 962 | 1,004 | 760 | ||||||
| Trading Securities Debt | 91 | 103 | - | - | - | - | - | - | - | - | - | - | ||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 4,106 | 3,575 | 3,751 | 3,889 | 4,075 | 4,323 | 4,436 | 4,023 | 3,605 | 3,393 | 3,331 | 3,182 | ||||||
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | - | - | - | - | - | - | - | - | - | 2,465 | 2,491 | 2,519 | ||||||
| Loans Receivable Held For Sale Amount | - | - | - | - | - | - | - | - | - | - | - | 37 | ||||||
| Loans Held For Sale Fair Value Disclosure | - | 41 | 39 | 35 | 37 | 37 | 58 | 50 | 49 | 38 | 33 | - | ||||||
| Financing Receivable Accrued Interest Before Allowance For Credit Loss | - | - | - | - | - | - | - | 17,964 | 18,211 | 18,375 | - | - | ||||||
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | - | - | - | - | - | - | 18,176 | - | - | - | 18,319 | 18,203 | ||||||
| Mortgages Held For Sale Fair Value Disclosure | 54 | - | - | - | - | - | - | - | - | - | - | - | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -169 | -208 | -210 | -216 | -217 | -212 | -207 | -205 | -213 | -211 | -208 | -202 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 17,855 | 19,393 | 19,174 | 18,959 | 18,704 | 18,213 | 17,969 | 17,759 | 17,998 | 18,164 | 18,111 | 18,001 | ||||||
| Property Plant And Equipment Net | 394 | 392 | 394 | 395 | 396 | 391 | 394 | 397 | 395 | 386 | 378 | 371 | ||||||
| Bank Owned Life Insurance | 368 | 365 | 364 | 363 | 362 | 346 | 346 | 346 | 344 | 342 | 345 | 345 | ||||||
| Interest Receivable | - | - | 84 | - | - | - | 86 | - | - | - | 88 | - | ||||||
| Deferred Income Tax Assets Net | - | - | 76 | - | - | - | 97 | - | - | - | 113 | - | ||||||
| Derivative Assets | - | - | 35 | - | - | - | 47 | - | - | - | 50 | - | ||||||
| Intangible Assets Net Including Goodwill | 962 | 965 | 968 | 971 | 974 | 953 | 957 | 975 | 979 | 988 | 990 | 994 | ||||||
| Other Assets | 677 | 637 | 485 | 645 | 654 | 634 | 443 | 682 | 691 | 626 | 363 | 660 | ||||||
| Assets | 29,051 | 28,177 | 28,003 | 28,143 | 28,086 | 27,874 | 27,720 | 27,373 | 27,057 | 27,365 | 27,297 | 26,869 | ||||||
Deposits | ||||||||||||||||||
| Noninterest Bearing Deposit Liabilities | 6,450 | 6,473 | 6,252 | 6,444 | 6,382 | 6,257 | 6,211 | 6,223 | 6,291 | 6,410 | 6,534 | 6,782 | ||||||
| Interest Bearing Deposit Liabilities | 17,275 | 17,552 | 17,546 | 17,577 | 17,581 | 17,505 | 17,250 | 17,031 | 16,691 | 16,922 | 16,776 | 16,076 | ||||||
| Deposits | 23,724 | 24,025 | 23,798 | 24,021 | 23,963 | 23,762 | 23,461 | 23,253 | 22,982 | 23,332 | 23,311 | 22,858 | ||||||
| Short Term Borrowings | 360 | 0 | 85 | 0 | 0 | 0 | 195 | - | - | - | 0 | 37 | ||||||
| Advances From Federal Home Loan Banks | 800 | - | - | - | - | - | - | - | - | - | 0 | 0 | ||||||
| Long Term Debt | 21 | 121 | 120 | 155 | 155 | 254 | 254 | 316 | 325 | 325 | 325 | 325 | ||||||
| Derivative Liabilities | - | - | 53 | - | - | - | 78 | - | - | - | 85 | - | ||||||
| Accrued Liabilities And Other Liabilities | 401 | 376 | 307 | 371 | 354 | 356 | 300 | 397 | 408 | 408 | 315 | 465 | ||||||
| Liabilities | 25,306 | 24,522 | 24,364 | 24,547 | 24,473 | 24,373 | 24,288 | 23,966 | 23,715 | 24,065 | 24,036 | 23,685 | ||||||
Stockholders Equity | ||||||||||||||||||
| Preferred Stock Including Additional Paid In Capital Net Of Discount | - | - | 0 | 0 | 88 | 88 | 88 | 88 | 88 | 88 | 88 | 90 | ||||||
| Common Stock Value | 120 | 120 | 121 | 122 | 121 | 120 | 119 | 119 | 119 | 119 | 119 | 119 | ||||||
| Additional Paid In Capital | 2,725 | 2,721 | 2,754 | 2,767 | 2,765 | 2,712 | 2,723 | 2,707 | 2,705 | 2,703 | 2,699 | 2,698 | ||||||
| Retained Earnings Accumulated Deficit | 1,053 | 968 | 914 | 858 | 803 | 755 | 714 | 669 | 652 | 615 | 581 | 597 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -153 | -154 | -151 | -164 | -177 | -187 | -213 | -190 | -235 | -237 | -239 | -333 | ||||||
| Stockholders Equity | 3,745 | 3,655 | 3,639 | 3,597 | 3,613 | 3,501 | 3,432 | 3,407 | 3,343 | 3,300 | 3,262 | 3,184 | ||||||
| Liabilities And Stockholders Equity | 29,051 | 28,177 | 28,003 | 28,143 | 28,086 | 27,874 | 27,720 | 27,373 | 27,057 | 27,365 | 27,297 | 26,869 | ||||||
| Held To Maturity Securities Fair Value | 1,849 | 1,878 | 1,918 | 1,937 | 1,936 | 1,952 | 1,944 | 2,061 | 2,004 | 2,043 | 2,096 | 1,992 | ||||||
| Other Assets Fair Value Disclosure | 100 | 99 | 72 | 109 | 108 | 110 | 69 | 105 | 116 | - | 62 | - | ||||||
| Accounts Payable And Accrued Liabilities Fair Value Disclosure | 68 | 65 | 16 | 72 | 75 | 80 | 15 | 79 | 102 | - | 13 | - | ||||||
| Preferred Stock Par Or Stated Value Per Share | - | - | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| Preferred Stock Shares Authorized | - | - | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | ||||||
| Preferred Stock Shares Issued | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Shares Outstanding | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Liquidation Preference Value | - | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Par Or Stated Value Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| Common Stock Shares Authorized | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | ||||||
| Common Stock Shares Issued | 120 | 120 | 121 | 122 | 121 | 120 | 119 | 119 | 119 | 119 | 119 | 119 | ||||||
| Shares Outstanding | 120 | 120 | 121 | 122 | 121 | 120 | 119 | 119 | 119 | 119 | 119 | 119 | ||||||
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Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialUNITED COMMUNITY BANKS INC (UCB) — SEC Financial Statements & Analysis
UNITED COMMUNITY BANKS INC (UCB) is a state commercial banks company, incorporated in GA. UNITED COMMUNITY BANKS INC trades on NYSE as: UCB. UNITED COMMUNITY BANKS INC (UCB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-05. Based on that filing, UNITED COMMUNITY BANKS INC carries a market cap of $4.22B, a P/E ratio of 11.09x, a P/B ratio of 1.13x, a P/S ratio of 3.80x, an enterprise value of $4.15B, and an EV/EBITDA multiple of 8.16x. On profitability, it posts a gross margin of 61.00%, an operating margin of 43.95%, a net margin of 34.25%, a Return on Equity (ROE) of 10.34%, and a Return on Invested Capital (ROIC) of 11.12%. Per share, it reports EPS of $3.16, diluted EPS of $3.16, free cash flow per share of $3.00, and a dividend per share of $1.01. Over the trailing year, it posted revenue growth of 13.83% year-over-year, net income growth of 40.31% year-over-year, and EPS growth of 41.57% year-over-year. On the balance sheet, it maintains an interest coverage ratio of 100.40x, free cash flow of $361.19M (TTM), and net debt of $-74.50M. Figures sourced from SEC EDGAR.
- Market Cap
- $4.22B
- P/E TTM
- 11.09x
- EPS TTM
- $3.16
- P/B TTM
- 1.13x
- ROE TTM
- 10.34%
- Free Cash Flow TTM
- $361.19M
- Net Revenue TTM Growth 1Y
- 13.83%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is UNITED COMMUNITY BANKS INC in?
UNITED COMMUNITY BANKS INC (UCB) operates in the State Commercial Banks industry.
What exchange does UCB trade on?
UNITED COMMUNITY BANKS INC (UCB) trades on the NYSE.
Where is UNITED COMMUNITY BANKS INC incorporated?
UNITED COMMUNITY BANKS INC is incorporated in GA.
When was UNITED COMMUNITY BANKS INC (UCB)'s most recent SEC filing?
UNITED COMMUNITY BANKS INC (UCB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-05.
What is UCB's market cap?
UNITED COMMUNITY BANKS INC (UCB) has a market capitalization of $4.22B as of 2026-06-30.
What is UCB's P/E ratio?
UNITED COMMUNITY BANKS INC (UCB)'s trailing twelve month P/E ratio is 11.09x as of 2026-06-30.
What is UCB's EPS (earnings per share)?
UNITED COMMUNITY BANKS INC (UCB)'s trailing twelve month EPS is $3.16 as of 2026-06-30.
What is UCB's ROE (return on equity)?
UNITED COMMUNITY BANKS INC (UCB)'s trailing twelve month Return on Equity (ROE) is 10.34% as of 2026-06-30.
What is UCB's ROIC (return on invested capital)?
UNITED COMMUNITY BANKS INC (UCB)'s trailing twelve month Return on Invested Capital (ROIC) is 11.12% as of 2026-06-30.
What is UCB's EV/EBITDA?
UNITED COMMUNITY BANKS INC (UCB)'s trailing twelve month EV/EBITDA is 8.16x as of 2026-06-30.