United Community Banks, Inc. logo UCB - United Community Banks, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
0
BUY 3
HOLD 4
SELL 0
STRONG
SELL
0
| PRICE TARGET: $39.50 DETAILS
HIGH: $40.00
LOW: $39.00
MEDIAN: $39.50
CONSENSUS: $39.50
UPSIDE: 18.90%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Revenue
Revenue 1,537.0 1,480.4 1,291.3 928.9 716.3 695.6 641.0 577.7 464.0 428.7 351.1 304.0 302.4 322.1 347.5 389.7 453.8 517.8 611.7 493.9 368.7 265.7 245.4 224.3 233.2 140.4 111.9 (67.7) 56.2 38.5
Cost of Revenue 522.6 601.3 508.8 124.7 (7.8) 136.7 96.5 70.8 37.5 24.4 24.8 34.1 93.2 100.4 316.6 323.1 469.7 412.3 332.0 223.4 139.5 82.4 76.9 83.3 106.9 124.2 96.2 0 49.2 33.2
Gross Profit 1,014.3 879.1 782.5 804.2 724.1 558.9 544.5 506.9 426.4 404.3 326.3 269.9 209.3 221.7 30.9 66.6 (15.9) 105.6 279.7 270.5 229.2 183.3 168.5 141.0 126.3 16.2 15.7 (67.7) 7.0 5.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 386.5 369.6 355.4 294.5 254.8 245.2 207.5 195.5 163.9 149.1 125.5 109.2 109.2 110.0 118.6 115.0 126.6 123.0 122.7 108.6 91.6 70.8 71.1 60.7 52.7 42.5 37.2 22.9 17.7 12.7
Other Expenses 205.4 186.5 194.6 153.7 121.5 104.2 98.3 95.5 89.7 92.2 85.8 53.7 65.1 76.8 143.0 383.9 177.0 83.7 67.4 53.5 49.2 41.0 38.9 30.4 32.8 (47.4) (44.7) (22.9) (26.2) (19.3)
Operating Expenses 591.9 556.1 550.0 448.2 376.3 349.5 305.8 291.0 253.6 241.3 211.2 162.9 174.3 186.8 261.6 498.9 303.6 206.7 190.1 162.1 140.8 111.8 110.0 91.1 85.5 (4.9) (7.4) 0 (8.5) (6.6)
Operating Income
Operating Income 422.4 323.0 232.5 356.0 347.8 209.4 238.7 215.9 172.8 163.0 115.0 107.1 35.0 34.9 (230.7) (432.3) (319.5) (101.1) 89.6 108.4 88.4 71.5 58.5 49.9 40.8 21.1 23.1 0 15.5 12.0
Interest Expense 473.8 550.4 419.3 60.8 29.8 56.2 83.3 61.3 33.7 25.2 21.1 25.6 27.7 37.9 65.6 100.1 159.7 228.3 276.4 208.8 127.4 74.8 70.6 76.4 100.9 116.6 90.2 67.7 46.5 31.8
Interest Income 1,382.9 1,377.7 1,237.1 813.2 578.8 558.0 552.7 500.1 389.7 335.0 278.5 248.4 245.8 266.0 302.6 341.1 402.8 464.7 549.0 444.8 322.6 226.2 207.2 193.6 207.9 210.7 169.0 0 89.8 63.1
Profitability
EBITDA 456.5 363.9 277.5 402.7 345.7 200.9 262.7 246.9 200.3 193.0 137.7 127.0 61.3 67.5 (209.6) (415.9) (304.9) (86.3) 103.5 123.3 104.2 86.8 73.1 58.5 47.1 26.5 28.9 20.6 17.9 14.2
EBIT 422.4 323.0 232.5 356.0 347.8 209.4 238.7 215.9 172.8 163.0 115.0 107.1 35.0 34.9 (230.7) (432.3) (319.5) (101.1) 89.6 108.4 88.4 71.5 58.5 49.9 40.8 21.1 23.1 (2.8) 15.5 12.0
Income Before Tax 422.4 323.0 232.5 356.0 347.8 209.4 238.7 215.9 172.8 163.0 115.0 107.1 35.0 34.9 (230.7) (432.3) (319.5) (101.1) 89.6 108.4 88.4 71.5 58.5 49.9 40.8 21.1 23.1 17.7 15.5 12.0
Income Tax Expense 94.3 70.6 45.0 78.5 78.0 45.4 53.0 49.8 105.0 62.3 43.4 39.5 (238.2) 1.1 (4.0) 71.2 (90.7) (37.7) 31.6 39.6 31.7 24.9 20.4 17.1 13.5 6.6 7.0 5.6 4.8 3.8
Net Income 328.1 252.4 187.5 277.5 269.8 164.1 185.7 166.1 67.8 100.7 71.6 67.6 273.1 33.9 (226.7) (502.3) (228.3) (63.5) 58.0 68.8 56.7 46.6 38.1 32.8 27.2 14.5 16.1 15.7 10.7 8.2
Per Share Data
EPS (Basic) 2.63 2.04 1.54 2.52 2.97 1.91 2.31 2.07 0.92 1.40 1.09 1.11 4.44 0.44 -5.97 -18.80 -19.75 -6.60 6.08 8.20 7.10 6.21 5.37 4.92 4.14 2.25 2.56 2.51 2.36 2.10
EPS (Diluted) 2.62 2.04 1.54 2.52 2.97 1.91 2.31 2.07 0.92 1.40 1.09 1.11 4.44 0.44 -5.97 -18.80 -19.75 -6.60 5.99 7.96 6.88 6.02 5.20 4.75 4.02 2.23 2.48 2.47 2.34 2.10
Shares Outstanding 121.7 119.8 117.6 106.7 87.9 83.2 79.7 79.7 73.2 71.9 65.5 60.6 58.8 57.9 39.9 18.9 12.1 9.7 9.5 8.4 8.0 7.5 7.1 6.7 6.6 6.4 6.3 6.2 3.2 3.9
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996
Current Assets
Cash & Cash Equivalents 202.6 519.9 1,003.9 511.9 2,291.5 1,608.6 515.2 327.3 314.3 217.3 246.6 124.8 134.8 160.2 106.3 104.9 102.3 133.9 55.7 68.8 50.6
Short-Term Investments 3,750.9 4,436.3 3,331.1 3,614.3 4,496.8 3,224.7 2,274.6 2,628.5 2,615.8 2,432.4 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 83.6 85.6 87.8 72.8 43.0 47.7 32.7 35.4 32.5 28.0 33.9 46.1 27.9 21.0 20.3 22.5 25.4 20.0 13.3 11.0 7.8
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 4,037.0 5,041.8 4,422.7 4,199.0 6,831.3 4,881.0 2,822.4 2,991.1 2,962.6 2,677.8 280.5 170.9 162.8 181.2 126.6 127.4 127.7 153.8 69.0 79.8 58.4
Non-Current Assets
Property, Plant & Equipment 393.7 394.3 378.4 298.5 245.3 218.5 216.0 206.1 208.9 189.9 182.0 179.2 103.7 87.4 70.7 64.1 56.9 56.5 38.5 27.7 18.6
Goodwill 967.9 907.1 919.9 751.2 452.0 367.8 327.4 307.1 220.6 142.0 210.6 305.6 104.5 0 0 0 0 0 0 0 0
Intangible Assets 0 49.6 70.2 28.1 20.4 14.0 14.8 17.0 23.8 14.2 14.6 16.2 16.7 21.0 20.3 0 0 0 0 0 0
Long-Term Investments 22,528.1 20,441.5 20,684.9 17,853.2 12,900.5 11,846.3 9,127.5 8,640.2 8,053.2 7,242.6 6,556.1 7,220.1 4,604.8 3,648.0 2,934.4 2,491.7 2,305.6 2,140.1 1,367.9 1,030.4 738.3
Other Non-Current Assets 0 789.1 707.9 749.7 455.9 428.4 373.8 347.4 358.4 287.7 687.3 700.0 95.3 80.1 66.9 66.1 38.7 34.3 337.6 15.4 12.7
Total Non-Current Assets 23,965.5 22,678.5 22,874.5 19,809.9 14,115.4 12,913.4 10,093.6 9,582.0 8,952.9 8,030.9 7,719.4 8,421.0 4,913.6 3,908.6 3,105.0 2,644.4 2,401.2 2,250.8 1,757.3 1,073.5 769.7
Total Assets 28,002.6 27,720.3 27,297.3 24,008.9 20,946.8 17,794.4 12,916.0 12,573.2 11,915.5 10,708.7 7,999.9 8,591.9 5,087.7 4,068.8 3,211.3 2,749.3 2,528.9 2,384.7 1,813.0 1,153.4 828.0
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 85 195 0 317.9 0 0 0 160 50 5 101.4 108.4 513.4 431.2 512.4 367.6 52.6 27.5 26.5 33.0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 23,798.4 23,461.0 23,310.6 19,876.5 18,241.2 15,232.4 10,897.2 10,534.5 9,807.7 8,637.6 6,627.8 7,003.6 3,680.5 2,857.4 2,385.2 2,116.5 1,995.9 1,869.4 1,432.2 977.1 720.7
Total Current Liabilities 23,883.4 23,656.0 23,310.6 20,492.9 18,452.0 15,430.9 11,052.1 10,822.0 9,961.6 8,721.0 6,773.0 7,216.2 4,193.9 3,288.7 2,897.6 2,484.1 2,072.0 1,923.7 1,478.3 1,017.4 726.6
Non-Current Liabilities
Long-Term Debt 120.4 254.2 324.8 874.7 247.4 327.0 212.7 267.2 625.2 884.3 264.6 386.3 467.4 459.6 74.9 48.2 298.5 337.3 202.6 60.9 49.0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 360.0 378.0 400.3 (59.4) 25.1 29.0 15.5 26.4 25.4 27.6 0 0 27.4 21.1 17.2 22.3 0 4.3 16.7 0 0
Total Non-Current Liabilities 480.4 632.2 725.1 815.3 272.5 356.0 228.2 293.6 650.6 911.9 264.6 386.3 496.7 480.8 92.1 70.5 298.5 341.7 219.3 60.9 49.0
Total Liabilities 24,363.9 24,288.1 24,035.7 21,308.2 18,724.5 15,786.8 11,280.3 11,115.6 10,612.1 9,632.9 7,037.6 7,602.6 4,690.6 3,769.5 2,989.8 2,554.6 2,370.5 2,265.4 1,697.6 1,078.3 775.6
Stockholders' Equity
Common Stock 120.6 119.4 119.0 106.2 89.3 86.7 79.0 79.2 77.6 70.9 22.4 51.7 38.4 23.8 21.8 10.9 10.5 10.1 7.4 7.4 6.4
Retained Earnings 914.3 714.1 581.2 508.8 330.7 136.9 40.2 (90.4) (209.9) (251.9) 20.4 265.4 204.7 166.9 135.7 108.4 85.7 74.8 53.2 42.2 30.7
Accumulated Other Comprehensive Income (150.6) (212.9) (239.2) (329.5) (26.5) 37.7 8.4 (41.6) (25.2) (26.5) 47.6 54.6 2.9 7.4 11.3 5.7 (0.1) (9.6) 1.3 0.8 (0.1)
Total Stockholders' Equity 3,638.7 3,432.1 3,261.5 2,700.7 2,222.2 2,007.5 1,635.7 1,457.6 1,303.3 1,075.7 962.3 989.4 397.1 299.4 221.6 194.7 158.4 119.3 115.4 75.1 52.4
Total Liabilities & Equity 28,002.6 27,720.3 27,297.3 24,008.9 20,946.8 17,794.4 12,916.0 12,573.2 11,915.5 10,708.7 7,999.9 8,591.9 5,087.7 4,068.8 3,211.3 2,749.3 2,528.9 2,384.7 1,813.0 1,153.4 828.0
Debt Metrics
Total Debt 205.4 449.2 324.8 1,192.5 247.4 327.0 212.7 427.2 675.2 884.3 366.0 494.7 982.7 890.9 587.3 415.8 351.1 364.8 229.2 93.9 49.0
Net Debt 2.8 (70.7) (679.1) 680.7 (2,044.2) (1,281.7) (302.5) 99.9 360.9 666.9 119.3 369.9 847.9 730.7 481.0 310.9 248.8 231.0 173.5 25.1 (1.6)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Operating Activities
Net Income 328.1 250.9 187.5 277.5 269.8 164.1 185.7 166.1 67.8 100.7 56.7 46.6 38.1 32.8 27.2 14.5 16.1 12.2 10.7 8.2
Depreciation & Amortization 46.0 40.9 45.0 46.7 (2.1) (8.6) 24.0 31.0 27.5 30.0 15.8 15.4 14.6 8.6 6.3 5.5 5.8 2.8 2.4 2.2
Stock-Based Compensation 11.4 10.8 8.9 8.7 6.6 7.9 9.4 6.1 5.8 4.5 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (71.0) (40.0) (87.5) 206.5 113.1 (81.6) (87.3) 33.4 14.0 (43.2) 7.9 (7.7) (1.2) (9.4) (3.0) (0.8) 5.2 (0.1) (3.1) 0.1
Other Non-Cash Items 110.7 79.9 133.6 57.1 (48.9) 74.3 7.3 0.9 (6.7) (11.7) 27.0 (19.2) 23.5 (1.1) (4.9) 3.9 2.2 (2.9) 4.3 6.7
Operating Cash Flow 435.3 349.7 294.0 607.3 359.3 158.7 153.9 270.0 208.0 139.9 104.3 34.0 74.0 30.1 25.0 19.4 27.4 11.2 14.0 17.4
Investing Activities
Capital Expenditure (27.6) (47.0) (72.5) (42.7) (26.5) (18.5) (20.9) (17.6) (22.2) (17.4) (17.4) (15.1) (14.4) (13.0) (8.0) (7.2) (9.8) (13.4) (9.7) (3.1)
Acquisitions 41.2 8.6 114.0 35.2 103.1 195.7 (19.5) (56.8) 53.7 1.9 0 8.9 83.1 0 0 0 0 0 0 0
Purchases of Investments (526.8) (2,056.1) (1,000.2) (2,062.1) (3,409.4) (1,629.7) (353.9) (578.3) (973.6) (717.0) (382.8) (612.7) (387.0) (333.1) (129.2) (310.9) (616.0) (446.0) (315.1) (201.1)
Sales/Maturities of Investments 1,461.8 1,002.4 1,780.6 1,265.2 1,343.8 933.7 752.2 574.0 1,003.3 660.7 256.5 426.0 317.8 248.1 188.8 149.1 120.7 126.8 72.6 68.3
Other Investing Activities (897.1) 101.1 (985.2) (1,212.0) 185.9 (1,061.9) (194.7) (280.7) (106.8) (660.5) (670.4) (421.5) (317.3) (376.9) (156.6) (2.5) (2.5) 11.2 0 2.6
Investing Cash Flow 51.6 (991.0) (163.3) (2,020.2) (1,806.4) (1,580.6) 163.2 (359.5) (45.5) (732.3) (814.0) (614.5) (317.8) (474.9) (105.0) (171.5) (507.6) (321.4) (252.2) (133.3)
Financing Activities
Net Debt Issuance (245) 126.4 (992.6) 708.9 (105.1) (30.6) (215.3) (582.6) (325.1) 244.2 (112.2) 154.3 297.4 171.1 56.7 93.4 533.1 171.0 196.4 81.7
Stock Repurchased (135.8) 0 (7.2) 0 (15.1) (20.8) (14.7) (2.0) (1.7) (24.8) 0 0 0 0 0 0 0 0 0 0
Dividends Paid (123.2) (118.6) (111.7) (93.8) (73.8) (62.4) (53.0) (41.6) (26.2) (15.9) (10.9) (8.4) (6.6) (5.2) (4.4) (3.2) (1.4) (1.0) (0.8) (0.5)
Other Financing Activities (37.5) 149.5 1,337.8 (874.0) 2,351.0 2,532.7 153.8 728.7 287.5 365.9 797.1 408.1 8.0 268.7 54.9 0 0.2 105.9 52.3 53.3
Financing Cash Flow (541.6) 157.3 226.3 (258.8) 2,157.0 2,515.3 (129.2) 102.5 (65.5) 569.4 717.4 555.2 297.6 428.1 100.7 120.5 532.1 297.0 254.4 134.5
Cash Position
Net Change in Cash 69.4 (484.0) 357.0 (1,671.7) 709.9 1,093.4 187.9 13.0 96.9 (23.0) 7.7 (25.4) 53.8 (16.7) 20.7 (31.6) 51.8 (13.1) 16.2 18.6
Cash at Beginning 519.9 1,003.9 646.9 2,318.5 1,608.6 515.2 327.3 314.3 217.3 240.4 134.8 160.2 106.3 123.0 102.3 133.9 82.1 68.8 52.7 32.0
Cash at End 589.3 519.9 1,003.9 646.9 2,318.5 1,608.6 515.2 327.3 314.3 217.3 142.6 134.8 160.2 106.3 123.0 102.3 133.9 55.7 68.8 50.6
Free Cash Flow 407.7 302.7 221.5 564.6 332.8 140.2 133.0 252.4 185.8 122.5 86.9 18.9 59.6 17.1 17.0 12.2 17.5 (2.1) 4.3 14.3
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Income Statement
Revenue 1,537.0 1,480.4 1,291.3 928.9 716.3 695.6 641.0 577.7 464.0 428.7 351.1 304.0 302.4 322.1 347.5 389.7 453.8 517.8 611.7 493.9 368.7 265.7 245.4 224.3 233.2 140.4 111.9 (67.7) 56.2 38.5
Gross Profit 1,014.3 879.1 782.5 804.2 724.1 558.9 544.5 506.9 426.4 404.3 326.3 269.9 209.3 221.7 30.9 66.6 (15.9) 105.6 279.7 270.5 229.2 183.3 168.5 141.0 126.3 16.2 15.7 (67.7) 7.0 5.4
Operating Income 422.4 323.0 232.5 356.0 347.8 209.4 238.7 215.9 172.8 163.0 115.0 107.1 35.0 34.9 (230.7) (432.3) (319.5) (101.1) 89.6 108.4 88.4 71.5 58.5 49.9 40.8 21.1 23.1 0 15.5 12.0
Net Income 328.1 252.4 187.5 277.5 269.8 164.1 185.7 166.1 67.8 100.7 71.6 67.6 273.1 33.9 (226.7) (502.3) (228.3) (63.5) 58.0 68.8 56.7 46.6 38.1 32.8 27.2 14.5 16.1 15.7 10.7 8.2
EPS (Diluted) 2.62 2.04 1.54 2.52 2.97 1.91 2.31 2.07 0.92 1.40 1.09 1.11 4.44 0.44 -5.97 -18.80 -19.75 -6.60 5.99 7.96 6.88 6.02 5.20 4.75 4.02 2.23 2.48 2.47 2.34 2.10
Balance Sheet
Cash & Equivalents 202.6 519.9 1,003.9 511.9 2,291.5 1,608.6 515.2 327.3 314.3 217.3 246.6 124.8 134.8 160.2 106.3 104.9 102.3 133.9 55.7 68.8 50.6
Total Assets 28,002.6 27,720.3 27,297.3 24,008.9 20,946.8 17,794.4 12,916.0 12,573.2 11,915.5 10,708.7 7,999.9 8,591.9 5,087.7 4,068.8 3,211.3 2,749.3 2,528.9 2,384.7 1,813.0 1,153.4 828.0
Total Debt 205.4 449.2 324.8 1,192.5 247.4 327.0 212.7 427.2 675.2 884.3 366.0 494.7 982.7 890.9 587.3 415.8 351.1 364.8 229.2 93.9 49.0
Stockholders' Equity 3,638.7 3,432.1 3,261.5 2,700.7 2,222.2 2,007.5 1,635.7 1,457.6 1,303.3 1,075.7 962.3 989.4 397.1 299.4 221.6 194.7 158.4 119.3 115.4 75.1 52.4
Cash Flow
Operating Cash Flow 435.3 349.7 294.0 607.3 359.3 158.7 153.9 270.0 208.0 139.9 104.3 34.0 74.0 30.1 25.0 19.4 27.4 11.2 14.0 17.4
Capital Expenditure (27.6) (47.0) (72.5) (42.7) (26.5) (18.5) (20.9) (17.6) (22.2) (17.4) (17.4) (15.1) (14.4) (13.0) (8.0) (7.2) (9.8) (13.4) (9.7) (3.1)
Free Cash Flow 407.7 302.7 221.5 564.6 332.8 140.2 133.0 252.4 185.8 122.5 86.9 18.9 59.6 17.1 17.0 12.2 17.5 (2.1) 4.3 14.3