UNITED COMMUNITY BANKS INC
Company Stats
- Market Cap
- $4.0B
- as of Sep 30, 2026
- Shares Outstanding
- 120.6M
- Free Float
- 95.5%
Income Statement
- Revenue
- $1.1B
- Net Income
- $328.1M
- Revenue Growth, 3Y
- 8.8%
- FCF Margin, 3Y Avg
- 30.0%
- FCF Margin, Worst Year
- 24.8%
Cash Flow
- Free Cash Flow
- $356.5M
- FCF Yield
- 8.9%
- Owner FCF Yield
- 8.6%
Returns & Capital
- Dividends Paid
- $118.5M
- Dividend Yield
- 2.9%
- Dividend Payout, 3Y Avg
- 45.6%
- Share Repurchases
- $44.3M
- Buyback Yield, 3Y Avg
- 0.4%
- SBC, 3Y Avg
- $10.4M
Cash Flow by Year
| Year | Revenue | FCF | Margin |
|---|---|---|---|
| FY2025 | $1.1B | $356.5M | 33.5% |
| FY2024 | $952.1M | $302.7M | 31.8% |
| FY2023 | $893.2M | $221.5M | 24.8% |
| FY2022 | $826.2M | $564.6M | 68.3% |
| FY2021 | $744.4M | $332.8M | 44.7% |
Annual filing data through FY ended December 31, 2025; shares and float as of October 22, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.
Earnings
Other Coverage
September 28, 2026
QBook
Stronger demand supports expansion as pricing diverges
September 2, 2026
Deals
United Community Banks Completes $2.0 Billion Navitas Sale
August 14, 2026
Industry Earnings Roundup
Banks Post Broad Loan Growth as Funding Costs Ease
June 18, 2026
Financials Signal
Regional Banks Shed Risk as Hospitality Recovers
June 12, 2026
Deals
United Community Sells Navitas, Reshapes Loan Book
Stronger demand supports expansion as pricing diverges
September 2, 2026
Deals
United Community Banks Completes $2.0 Billion Navitas Sale
August 14, 2026
Industry Earnings Roundup
Banks Post Broad Loan Growth as Funding Costs Ease
June 18, 2026
Financials Signal
Regional Banks Shed Risk as Hospitality Recovers
June 12, 2026
Deals
United Community Sells Navitas, Reshapes Loan Book