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UCB Financials United Community Banks Inc

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 13.0% per year over the past 5 years.
  • Net income has grown faster than revenue (14.9% vs 13.0% per year).
  • Free cash flow has grown 20.5% per year over the past 5 years.

Financial health

  • The company holds more cash ($396M) than total debt ($205M).
  • Total debt has grown slower than revenue (-8.9% vs 13.0% per year).

Shareholder returns

  • Dividends have been paid for 12 consecutive years, consuming 36.1% of earnings and 33.2% of free cash flow.
  • The dividend has grown 15.0% per year over the past 5 years.
Revenue & net income
-$227M $418M $1B $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-735% -302% 131% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $282M $565M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $1B $2B 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$2B $248M $3B $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.1B $328M 0.0% 0.0% $356M $205M $396M
2024 $952M $252M 0.0% 0.0% $303M $449M $520M
2023 $893M $188M 0.0% 0.0% $221M $325M $1.0B
2022 $826M $277M 0.0% 0.0% $565M $484M $647M
2021 $744M $270M 0.0% 0.0% $333M $247M $2.3B
2020 $577M $164M 0.0% 0.0% $140M $327M $1.6B
2019 $561M $186M 0.0% 0.0% $133M $213M $515M
2018 $522M $166M 0.0% 0.0% $252M $267M $327M
2017 $440M $68M 0.0% 0.0% $186M $171M $314M
2016 $404M $101M 0.0% 0.0% $123M $180M $217M
2015 $326M $72M 0.0% 0.0% — $180M $240M
2014 $270M $68M 0.0% 0.0% $97M $136M —
2013 $209M $273M 0.0% 0.0% $184M $130M —
2012 $222M $34M 0.0% 0.0% $179M $177M —
2011 $31M -$227M 0.0% 0.0% $145M $223M —

Valuation over time

How the market has priced UCB against its own fundamentals since 2024-08 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 10.8 21.6 Aug '24 Nov '24 Feb '25 May '25 Aug '25 Nov '25 Feb '26 May '26
P/E
Price / sales (P/S)
0.0 2.3 4.5 Aug '24 Nov '24 Feb '25 May '25 Aug '25 Nov '25 Feb '26 May '26
P/S
Dividend yield (%)
0.0 1.7 3.4 Aug '24 Nov '24 Feb '25 May '25 Aug '25 Nov '25 Feb '26 May '26
Dividend yield %

Frequently asked questions

Is UCB growing its revenue and profit?

Over the past 5 years, United Community Banks Inc's revenue has grown 13.0% per year, and net income grown 14.9% per year. These are computed facts, not advice.

How much debt does UCB have?

As of FY2025, United Community Banks Inc reported $205M of total debt against $396M of cash.

What is UCB's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 30.9%.

What is UCB's P/E ratio?

As of Jun '26, United Community Banks Inc traded at a price-to-earnings ratio of about 12.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.