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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
23.5%+0.8pp
UBS
United BanksharesUBSI
41.2%+1.0pp
BankUnited logo
BankUnitedBKU
29.9%+2.7pp
International Bancshares logo
International BancsharesIBOC
53.5%-2.7pp
Atlantic Union Bankshares logo
Atlantic Union BanksharesAUB
149.6%+114pp
HOM
Home BancSharesHOMB
37%-0.5pp

Other financials

Income statement

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Revenue$276.5M+11.6%
Net income$84.3M+18.0%
EPS (diluted)$0.69+19.0%

Balance sheet

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Cash & equivalents$493.1M-22.5%
Total debt$120.5M-52.6%
Total equity$3.7B+4.4%
Total assets$28.2B+1.1%

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$3.93B+12.1%
Enterprise value$3.56B+14.0%
P/E11.5×-1.9×
P/S3.6×0.0×

Profitability

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Net margin31.2%+4.0pp

Returns & leverage

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Return on equity9.5%+1.8pp
Debt / equity0×0.0×

Where this comes from

Calculated from United Community Banks’s reported figures.

free cash flow/total revenue=29.7%

Based on trailing twelve months.

The official record: United Community Banks’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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.