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United Community Banks UCB Free cash flow margin

Free cash flow margin at other companies

First Citizens BancShares logo
First Citizens BancSharesFCNCA
25.6%-1.8pp
BankUnited logo
BankUnitedBKU
29.4%-0.4pp
HOM
Home BancSharesHOMB
38.3%+4.2pp
Associated Banc-Corp logo
Associated Banc-CorpASB
40.4%-4.9pp
UBS
United BanksharesUBSI
41.6%+0.8pp
Community Financial System logo
Community Financial SystemCBU
28.7%+3.3pp

Other financials

Income statement

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Revenue$279.3M+7.3%
Net income$115.6M+46.9%
EPS (diluted)$0.95+50.8%

Balance sheet

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Cash & equivalents$455.1M-20.8%
Total debt$380.6M+145%
Total equity$3.7B+3.7%
Total assets$29.1B+3.4%

Cash flow

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Operating cash flow$69.3M-29.8%
CapEx$6.9M+60.5%
Free cash flow$62.4M-33.9%

Valuation

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Market cap$4.3B+18.6%
Enterprise value$4.23B+31.8%
P/E11.4×-1.9×
P/S3.9×+0.2×

Profitability

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Net margin34%+6.0pp

Returns & leverage

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Return on equity10.3%+2.4pp
Debt / equity0.1×+0.1×

Where this comes from

Calculated from United Community Banks’s reported figures.

Based on trailing twelve months.

The source filing: United Community Banks’s 10-Q, filed May 6, 2026. Open the filing →

Filed
May 6, 2026, 3:54 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0000857855-26-000017

FAQ

What is United Community Banks's free cash flow margin?
United Community Banks (UCB) reported free cash flow margin of 29.7% in Q1 2026.
How has United Community Banks's free cash flow margin changed year-over-year?
United Community Banks's free cash flow margin decreased by 11.9% year-over-year, from 33.7% to 29.7%.
What is the long-term trend for United Community Banks's free cash flow margin?
Over 5 years (2020 to 2025), United Community Banks's free cash flow margin has grown at a 6.7% compound annual growth rate (CAGR), from 24.3% to 33.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

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