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 Nov 5, 2026, 11:24 UTC 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

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$1.1B	$328M	0.0%	0.0%	9.0%	1.2%	$356M	$205M	$396M
2024	$952M	$252M	0.0%	0.0%	7.4%	0.9%	$303M	$449M	$520M
2023	$893M	$188M	0.0%	0.0%	5.8%	0.7%	$221M	$325M	$1.0B
2022	$826M	$277M	0.0%	0.0%	10.3%	1.2%	$565M	$484M	$647M
2021	$744M	$270M	0.0%	0.0%	12.1%	1.3%	$333M	$247M	$2.3B
2020	$577M	$164M	0.0%	0.0%	8.2%	0.9%	$140M	$327M	$1.6B
2019	$561M	$186M	0.0%	0.0%	11.4%	1.4%	$133M	$213M	$515M
2018	$522M	$166M	0.0%	0.0%	11.4%	1.3%	$252M	$267M	$327M
2017	$440M	$68M	0.0%	0.0%	5.2%	0.6%	$186M	$171M	$314M
2016	$404M	$101M	0.0%	0.0%	9.4%	0.9%	$123M	$180M	$217M
2015	$326M	$72M	0.0%	0.0%	7.0%	0.7%	—	$180M	$240M
2014	$270M	$68M	0.0%	0.0%	9.1%	0.9%	$97M	$136M	—
2013	$209M	$273M	0.0%	0.0%	34.3%	3.7%	$184M	$130M	—
2012	$222M	$34M	0.0%	0.0%	5.8%	0.5%	$179M	$177M	—
2011	$31M	-$227M	0.0%	0.0%	-39.4%	-3.2%	$145M	$223M	—

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Sep '26	-$12M	-$140M	0.0%	0.0%	-4.0%	-0.5%	$160M	$40M	$782M
Jun '26	$279M	$116M	0.0%	0.0%	3.1%	0.4%	$121M	$381M	$455M
Mar '26	$277M	$84M	0.0%	0.0%	2.3%	0.3%	$62M	$121M	$493M
Dec '25	$278M	$86M	0.0%	0.0%	2.4%	0.3%	$60M	$205M	$396M
Sep '25	$277M	$91M	0.0%	0.0%	2.5%	0.3%	$118M	$155M	$613M
Jun '25	$260M	$79M	0.0%	0.0%	2.2%	0.3%	$85M	$155M	$575M
Mar '25	$248M	$71M	0.0%	0.0%	2.0%	0.3%	$94M	$254M	$637M
Dec '24	$251M	$76M	0.0%	0.0%	2.2%	0.3%	$143M	$449M	$520M
Sep '24	$217M	$47M	0.0%	0.0%	1.4%	0.2%	-$2M	$316M	$740M
Jun '24	$245M	$67M	0.0%	0.0%	2.0%	0.2%	$87M	$325M	$563M
Mar '24	$239M	$63M	0.0%	0.0%	1.9%	0.2%	$75M	$325M	$962M
Dec '23	$166M	$14M	0.0%	0.0%	0.4%	0.1%	$8M	$325M	$1.0B
Sep '23	$204M	$48M	0.0%	0.0%	1.5%	0.2%	$72M	$362M	$760M
Jun '23	$214M	$63M	0.0%	0.0%	2.0%	0.2%	$74M	$325M	$711M
Mar '23	$220M	$62M	0.0%	0.0%	2.0%	0.2%	$67M	$332M	$778M
Dec '22	$223M	$81M	0.0%	0.0%	3.0%	0.3%	$83M	$484M	$647M
Sep '22	$216M	$81M	0.0%	0.0%	3.1%	0.3%	$151M	$325M	$484M
Jun '22	$207M	$67M	0.0%	0.0%	2.5%	0.3%	$137M	$324M	$1.2B
Mar '22	$180M	$48M	0.0%	0.0%	1.8%	0.2%	$193M	$324M	$1.9B
Dec '21	$175M	$52M	0.0%	0.0%	2.3%	0.2%	$70M	$247M	$2.3B

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.

The price-to-earnings ratio has fallen from 19.4× (Aug '24) to 13.7× (Nov '26).
The price-to-sales ratio has risen from 4.1× (Aug '24) to 4.2× (Nov '26).
The dividend yield has fallen from 2.9% (Aug '24) to 2.6% (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

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?

United Community Banks Inc's P/E (TTM) is 30.71 as of the 2026-11-04 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the UCB stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 13.7× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.