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United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs. In addition, the company provides private banking, investment management, investment advice, financial planning, estate, and retirement planning and insurance products and services; trust services to manage fiduciary assets; non-deposit investment and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; and reinsurance on property insurance contracts. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina. more
| Time Frame | UCB | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -5.34% | -4.74% | -1.38% |
| 1-Month Return | 6.4% | -4.68% | -1.81% |
| 3-Month Return | 15.28% | -2.43% | 1.38% |
| 6-Month Return | 9.47% | -2.03% | 5.68% |
| 1-Year Return | 3.26% | -0.02% | 11.74% |
| 3-Year Return | 5.08% | 40.04% | 65.15% |
| 5-Year Return | 5.62% | 61.23% | 73.68% |
| 10-Year Return | 102.94% | 205.62% | 260.03% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 716.27M | 928.93M | 1.29B | 1.48B | 1.54B | [{"date":"2021-12-31","value":46.6,"profit":true},{"date":"2022-12-31","value":60.44,"profit":true},{"date":"2023-12-31","value":84.01,"profit":true},{"date":"2024-12-31","value":96.32,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | (7.79M) | 124.71M | 508.77M | 601.32M | 522.64M | [{"date":"2021-12-31","value":-1.3,"profit":false},{"date":"2022-12-31","value":20.74,"profit":true},{"date":"2023-12-31","value":84.61,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":86.91,"profit":true}] |
| Gross Profit | 724.06M | 804.22M | 782.52M | 879.09M | 1.01B | [{"date":"2021-12-31","value":71.38,"profit":true},{"date":"2022-12-31","value":79.28,"profit":true},{"date":"2023-12-31","value":77.15,"profit":true},{"date":"2024-12-31","value":86.67,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Margin | 101.09% | 86.57% | 60.60% | 59.38% | 66.00% | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":85.64,"profit":true},{"date":"2023-12-31","value":59.95,"profit":true},{"date":"2024-12-31","value":58.74,"profit":true},{"date":"2025-12-31","value":65.29,"profit":true}] |
| Operating Expenses | 376.30M | 448.22M | 549.97M | 556.09M | 591.93M | [{"date":"2021-12-31","value":63.57,"profit":true},{"date":"2022-12-31","value":75.72,"profit":true},{"date":"2023-12-31","value":92.91,"profit":true},{"date":"2024-12-31","value":93.94,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Operating Income | 347.76M | 356.00M | 232.54M | 323.01M | 422.41M | [{"date":"2021-12-31","value":82.33,"profit":true},{"date":"2022-12-31","value":84.28,"profit":true},{"date":"2023-12-31","value":55.05,"profit":true},{"date":"2024-12-31","value":76.47,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Total Non-Operating Income/Expense | 551.10M | 683.32M | 708.83M | 831.92M | - | [{"date":"2021-12-31","value":66.24,"profit":true},{"date":"2022-12-31","value":82.14,"profit":true},{"date":"2023-12-31","value":85.2,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 347.76M | 356.00M | 232.54M | 323.01M | 422.41M | [{"date":"2021-12-31","value":82.33,"profit":true},{"date":"2022-12-31","value":84.28,"profit":true},{"date":"2023-12-31","value":55.05,"profit":true},{"date":"2024-12-31","value":76.47,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income Taxes | 77.96M | 78.53M | 45.00M | 70.61M | 94.32M | [{"date":"2021-12-31","value":82.66,"profit":true},{"date":"2022-12-31","value":83.26,"profit":true},{"date":"2023-12-31","value":47.71,"profit":true},{"date":"2024-12-31","value":74.86,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income After Taxes | 269.80M | 277.47M | 187.54M | 252.40M | - | [{"date":"2021-12-31","value":97.24,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":67.59,"profit":true},{"date":"2024-12-31","value":90.96,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 269.80M | 277.47M | 187.54M | 252.40M | - | [{"date":"2021-12-31","value":97.24,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":67.59,"profit":true},{"date":"2024-12-31","value":90.96,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 269.80M | 277.47M | 187.54M | 252.40M | 328.15M | [{"date":"2021-12-31","value":82.22,"profit":true},{"date":"2022-12-31","value":84.56,"profit":true},{"date":"2023-12-31","value":57.15,"profit":true},{"date":"2024-12-31","value":76.92,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| EPS (Diluted) | 3.09 | 2.66 | 2.11 | 2.30 | 2.70 | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":86.08,"profit":true},{"date":"2023-12-31","value":68.28,"profit":true},{"date":"2024-12-31","value":74.43,"profit":true},{"date":"2025-12-31","value":87.38,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| UCB | |
|---|---|
| Cash Ratio | 0.17 |
| Current Ratio | 0.17 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| UCB | |
|---|---|
| ROA (LTM) | 1.18% |
| ROE (LTM) | 9.28% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| UCB | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.87 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.13 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| UCB | |
|---|---|
| Trailing PE | 13.34 |
| Forward PE | 12.53 |
| P/S (TTM) | 4.14 |
| P/B | 1.16 |
| Price/FCF | 36 |
| EV/R | 4.25 |
| EV/Ebitda | NM |
United Community Banks, Inc. (UCB) share price today is $34.56
Yes, Indians can buy shares of United Community Banks, Inc. (UCB) on Vested. To buy
Yes, you can purchase fractional shares of United Community Banks, Inc. (UCB) via the Vested app. You can start investing in United Community Banks, Inc. (UCB) with a minimum investment of $1.
You can invest in shares of United Community Banks, Inc. (UCB) via Vested in three simple steps:
The 52-week high price of United Community Banks, Inc. (UCB) is $36.77. The 52-week low price of United Community Banks, Inc. (UCB) is $22.39.
The price-to-earnings (P/E) ratio of United Community Banks, Inc. (UCB) is 13.3359
The price-to-book (P/B) ratio of United Community Banks, Inc. (UCB) is 1.16
The dividend yield of United Community Banks, Inc. (UCB) is 2.77%
The market capitalization of United Community Banks, Inc. (UCB) is $4.17B
The stock symbol (or ticker) of United Community Banks, Inc. is UCB
Consider the share price of United Community Banks, Inc. as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether United Community Banks, Inc. has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in United Community Banks, Inc. shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the United Community Banks, Inc. stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of United Community Banks, Inc. and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that United Community Banks, Inc. stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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