United Community Banks, Inc.

UCB

$35.67

+0.79%

2026-09-04 11:56:58 EDT+$0.28

Financial Services

Banks - Regional

NYSE

Active Trading

United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial ...

Financial Highlights of UCB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

72.0%

Net Margin

24.3%

P/E Ratio

11.56x

n/a

Debt / Equity

0.10

n/a

Current Ratio

11.77

Dividend Yield

2.8%

Understanding

TTM —

No major balance sheet stress in these headline ratios.

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

72.0%

Net Margin

24.3%

P/E Ratio

11.56x

Debt / Equity

0.10

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	101.1%	86.6%	60.6%	59.4%	66.0%	—
Operating MarginOperating income as a percentage of revenue.	48.6%	38.3%	18.0%	21.8%	27.5%	—
Net MarginNet income as a percentage of revenue.	37.7%	29.9%	14.5%	17.0%	21.4%	—
EBITDA MarginEBITDA divided by revenue.	48.3%	43.4%	21.5%	24.6%	29.7%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	48.6%	38.3%	18.0%	21.8%	27.5%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	0.37	0.20	0.19	0.21	47.49	—
Quick RatioLiquid assets divided by current liabilities.	0.37	0.20	0.19	0.21	47.49	—
Cash RatioCash and equivalents divided by current liabilities.	0.12	0.02	0.04	0.02	2.38	—
Debt / AssetsDebt as a share of total assets.	1.2%	5.0%	1.2%	1.6%	0.7%	—
Debt / EquityDebt compared with shareholder equity.	0.11	0.44	0.10	0.13	0.06	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	16.66x	12.76x	14.71x	17.29x	18.39x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Asset TurnoverRevenue generated per dollar of assets.	0.03x	0.04x	0.05x	0.05x	0.05x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	-0.06x	-0.07x	-0.07x	-0.08x	-0.21x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	12.10x	13.41x	19.00x	15.84x	11.87x	—
P/B RatioPrice paid for each dollar of book value.	1.42x	1.33x	1.06x	1.13x	1.04x	—
P/S RatioPrice paid for each dollar of sales.	4.41x	3.88x	2.66x	2.61x	2.47x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	9.50x	6.39x	15.54x	12.79x	9.32x	—
Dividend YieldAnnual dividend divided by current share price.	2.3%	2.6%	3.2%	3.1%	3.2%	—

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