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United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
United Community Banks, Inc. is a regional bank that provides commercial and retail banking, wealth management, mortgage and insurance services across the U.S. Southeast. Growth may be supported by its deposit franchise, fee-based businesses and an acquisition-driven strategy that appears positioned to widen its regional presence, which could appeal to investors seeking diversified community-bank exposure.
Key risks include exposure to regional economic downturns and commercial real estate credit cycles, margin pressure from interest-rate moves, rising competition and regulatory compliance costs, which investors should monitor.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 422.41M | 323.01M | 232.54M | 356.00M | 347.76M |
| Net income | 328.15M | 252.40M | 187.54M | 277.47M | 269.80M |
| Selling general administrative | 373.44M | 361.02M | 345.91M | 286.10M | 248.84M |
| Selling and marketing expenses | 13.08M | 8.55M | 9.47M | 8.38M | 5.91M |
| Gross profit | 1014.35M | 879.09M | 782.52M | 804.22M | 724.06M |
| Reconciled depreciation | 45.95M | 40.93M | 44.96M | 46.70M | -2.06M |
| Ebit | 422.41M | 323.01M | 232.54M | 356.00M | 347.76M |
| Ebitda | 456.52M | 363.94M | 277.51M | 402.70M | 345.70M |
| Depreciation and amortization | 34.11M | 40.93M | 44.96M | 46.70M | -2.06M |
| Operating income | 422.41M | 323.01M | 232.54M | 356.00M | 347.76M |
| Other operating expenses | 1114.57M | 1157.41M | 1058.75M | 572.93M | 368.51M |
| Interest expense | 473.83M | 550.37M | 419.34M | 60.80M | 29.76M |
| Tax provision | 94.32M | 70.61M | 45.00M | 78.53M | 77.96M |
| Interest income | 1382.94M | 1377.74M | 1237.11M | 813.15M | 578.79M |
| Net interest income | 909.11M | 827.37M | 817.76M | 752.36M | 549.03M |
| Income tax expense | 94.32M | 70.61M | 45.00M | 78.53M | 77.96M |
| Total revenue | 1536.98M | 1480.41M | 1291.29M | 928.93M | 716.27M |
| Total operating expenses | 591.93M | 556.09M | 549.97M | 448.22M | 376.30M |
| Cost of revenue | 522.64M | 601.32M | 508.77M | 124.71M | -7.79M |
| Total other income expense net | -50.32M | 4.55M | -108.93M | -69.04M | 2.06M |
| Net income from continuing ops | 328.10M | 252.40M | 187.54M | 277.47M | 269.80M |
| Net income applicable to common shares | 318.18M | 244.63M | 180.85M | 269.13M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 28002.55M | 27720.26M | 27297.25M | 24008.88M | 20946.77M |
| Intangible assets | 42.76M | 49.55M | 70.17M | 28.07M | 20.40M |
| Other current assets | - | -85.62M | 1091.66M | 719.66M | 2361.51M |
| Total liab | 24363.87M | 24288.13M | 24035.73M | 21308.21M | 18724.53M |
| Total stockholder equity | 3638.69M | 3432.13M | 3261.53M | 2700.67M | 2222.24M |
| Other current liab | 23798.43M | 23460.97M | 23310.61M | 20175.07M | 18452.02M |
| Common stock | 120.60M | 119.36M | 119.01M | 106.22M | 89.35M |
| Capital stock | 120.60M | 207.63M | 207.28M | 202.65M | 185.77M |
| Retained earnings | 914.26M | 714.14M | 581.22M | 508.84M | 330.65M |
| Good will | 925.12M | 907.09M | 919.91M | 751.17M | 452.01M |
| Other assets | 75.86M | 27720.26M | -3418.56M | -3549.42M | 1.60M |
| Cash | 202.59M | 519.87M | 1003.88M | 511.85M | 2291.51M |
| Total current liabilities | 85.00M | 23655.97M | 23310.61M | 20492.94M | 18452.02M |
| Net debt | 2.81M | -70.72M | -679.05M | 680.68M | -2044.15M |
| Short term debt | 85.00M | 195.00M | 11.41M | 317.87M | 8.20M |
| Short long term debt | - | - | - | 158.93M | 0.00M |
| Short long term debt total | 205.40M | 449.15M | 324.82M | 1192.53M | 247.36M |
| Other stockholder equity | 2754.40M | 2723.28M | 2712.22M | 2318.67M | 1732.30M |
| Property plant equipment | 393.71M | 437.08M | 421.23M | 338.46M | - |
| Total current assets | 4037.01M | 5041.78M | 4422.74M | 4198.99M | 6831.33M |
| Long term investments | 5988.22M | 6804.40M | 5821.93M | 6227.98M | 5652.92M |
| Short term investments | 3750.86M | 4436.29M | 3331.08M | 3614.33M | 4496.82M |
| Net receivables | 83.56M | 85.62M | 87.78M | 72.81M | 43.00M |
| Long term debt | 120.40M | 254.15M | 324.82M | 874.66M | 247.36M |
| Inventory | - | - | -1091.66M | -719.66M | -2361.51M |
| Accumulated other comprehensive income | -150.57M | -212.92M | -239.19M | -329.49M | -26.48M |
| Non currrent assets other | -37.05M | 789.08M | 707.90M | 749.72M | 455.91M |
| Non current assets total | 23965.55M | 22678.48M | 22874.51M | 19809.89M | 14115.44M |
| Long term debt total | 120.40M | 254.15M | 324.82M | 324.66M | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 935.00M | -991.04M | -163.29M | -2020.18M | -1806.40M |
| Total cashflows from investing activities | 51.57M | -991.04M | -163.29M | -2020.18M | -1806.40M |
| Net borrowings | -245.00M | 126.44M | -992.62M | 708.93M | -105.14M |
| Total cash from financing activities | -541.57M | 157.31M | 226.34M | -258.78M | 2156.97M |
| Net income | 328.10M | 250.92M | 187.54M | 277.47M | 269.80M |
| Change in cash | 69.42M | -484.00M | 357.02M | -1671.66M | 709.89M |
| Begin period cash flow | 519.87M | 1003.88M | 646.85M | 2318.51M | 1608.62M |
| End period cash flow | 589.29M | 519.87M | 1003.88M | 646.85M | 2318.51M |
| Total cash from operating activities | 435.30M | 349.73M | 293.97M | 607.31M | 359.32M |
| Issuance of capital stock | - | - | - | 0.00M | 0.00M |
| Depreciation | 45.95M | 40.93M | 44.96M | 46.70M | -2.06M |
| Other cashflows from investing activities | -897.10M | 101.13M | -985.21M | -1211.99M | 185.93M |
| Dividends paid | 123.24M | 118.61M | 111.72M | 93.76M | 73.79M |
| Sale purchase of stock | -135.81M | 0.00M | -7.15M | 1.12M | -15.10M |
| Other cashflows from financing activities | -37.52M | 149.47M | 1337.83M | -873.96M | 2351.01M |
| Capital expenditures | 27.58M | 47.04M | 72.48M | 42.70M | 26.48M |
| Change in working capital | -71.01M | -39.98M | -87.47M | 206.46M | 113.14M |
| Stock based compensation | 11.40M | 10.80M | 8.93M | 8.71M | 6.55M |
| Other non cash items | 110.72M | 79.86M | 133.62M | 57.05M | -48.90M |
| Free cash flow | 407.72M | 302.69M | 221.49M | 564.60M | 332.84M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| UCB United Community Banks, Inc. |
-0.48 1.29% |
36.73 | 11.55 | 12.53 | 3.82 | 1.14 | 5.01 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial services in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts. It also provides loans comprising owner occupied and income producing CRE, commercial and industrial, equipment financing, residential mortgage, home equity, manufactured housing, and consumer loans, as well as commercial and residential construction and land. In addition, the company offers private banking, investment management, investment advice, financial planning services, estate and retirement planning, and insurance products; non-deposit investment products and insurance products, such as life insurance, long-term care insurance and tax-deferred annuities; and trust services to manage fiduciary assets. Further, it provides reinsurance on property insurance contracts and payment processing services for commercial and small business customers. The company serves the commercial, retail, government, education, energy, health care, and real estate sectors. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.
200 East Camperdown Way, Greenville, SC, United States, 29601
800 822 2651
3141
| Name | Title | Year Born |
|---|---|---|
| Mr. Herbert Lynn Harton | President, Chairman & CEO | 1962 |
| Mr. Richard William Bradshaw | President & Chief Banking Officer | 1962 |
| Ms. Melinda Davis Lux J.D. | Chief Administrative Officer, General Counsel & Corporate Secretary | 1973 |
| Mr. Robert A. Edwards | Executive VP & Chief Risk Officer | 1965 |
| Mr. Alan H. Kumler | Chief Accounting Officer, Senior VP & Controller | NA |
| Mr. Mark Aaron Terry | Chief Information Officer | 1967 |
| Ms. Carol A. Chastain | Chief Compliance Officer | NA |
| Ms. Holly Berry | Chief Human Resources Officer | 1975 |
| Mr. Abraham A. Cox | Chief Consumer & Small Business Banking Officer | 1977 |
| Mr. Sean R. Simpson | Chief Commercial Banking Officer | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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Basic Materials
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Communication Services
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Consumer Cyclical
-0.13%
Consumer Defensive
+0.32%
Energy
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Financial Services
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Financials
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Healthcare
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