United Community Banks UCB Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 31.2%+4.0pp | 30.9%+4.4pp | 30.7%+10.7pp | 28%+7.7pp | 27.2%+6.6pp | |
| Free cash flow margin | 29.7%-4.0pp | 33.5%+1.5pp | 42.4%+24.6pp | 32.9%+7.2pp | 33.7%+8.6pp | |
| Returns | ||||||
| Return on equity | 9.5%+1.8pp | 9.3%+1.7pp | 9.1%+3.3pp | 7.9%+1.9pp | 7.7%+1.8pp | |
| Return on assets | 1.2%+0.3pp | 1.2%+0.3pp | 1.1%+0.4pp | 1%+0.3pp | 0.9%+0.2pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0×0.0× | 0.1×-0.1× | 0×0.0× | 0×-0.1× | 0.1×0.0× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Per Share | ||||||
| Book value per share | $30.27+3.9% | $29.96+4.7% | $29.42+3.6% | $29.75+6.6% | $29.13+5.7% | |
| Valuation | ||||||
| Market capitalization | $3.77B+12.1% | $3.8B-1.5% | $3.81B— | $3.53B— | $3.36B— | |
| Enterprise value | $3.39B+14.0% | $3.64B-4.8% | $3.35B— | $3.11B— | $2.98B— | |
| Price / earnings | 11×-1.8× | 11.6×-3.7× | 12×— | 12.9×— | 12.9×— | |
| Price / sales | 3.4×0.0× | 3.6×-0.5× | 3.7×— | 3.6×— | 3.5×— | |
| Price / book | 1×+0.1× | 1×-0.1× | 1.1×— | 1×— | 1×— | |
| EV / sales | 3.1×0.0× | 3.4×-0.6× | 3.2×— | 3.2×— | 3.1×— | |
| Free cash flow yield | 8.6%-1.0pp | 9.4%+1.5pp | 11.5%— | 9.1%— | 9.6%— | |
| Earnings yield | 9.1%+1.3pp | 8.6%+2.1pp | 8.3%— | 7.7%— | 7.8%— | |
| Dividend yield | 3.2%-0.2pp | 3.1%+0.2pp | 3.1%— | 3.3%— | 3.4%— | |
| PEG ratio | 0.4×0.0× | 0.4×-0.1× | 0.2×— | 0.3×— | 0.3×— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do United Community Banks's ratios come from?
- Every ratio is computed from United Community Banks's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
