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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	30.9%+4.4pp	26.5%+5.5pp	21%-12.6pp	33.6%-2.7pp
Free cash flow margin	33.5%+1.5pp	32%+7.2pp	24.8%-43.5pp	68.3%+23.6pp
Returns
Return on equity	9.3%+1.7pp	7.5%+1.3pp	6.3%-5.0pp	11.3%-1.5pp
Return on assets	1.2%+0.3pp	0.9%+0.2pp	0.7%-0.5pp	1.2%-0.2pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.1×-0.1×	0.1×0.0×	0.1×-0.1×	0.2×+0.1×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Per Share
Book value per share	$29.96+4.7%	$28.62+3.3%	$27.70+9.5%	$25.29+0.3%
Valuation
Market capitalization	$3.8B-1.5%	$3.85B—	——	——
Enterprise value	$3.64B-4.8%	$3.83B—	——	——
Price / earnings	11.6×-3.7×	15.3×—	——	——
Price / sales	3.6×-0.5×	4×—	——	——
Price / book	1×-0.1×	1.1×—	——	——
EV / sales	3.4×-0.6×	4×—	——	——
Free cash flow yield	9.4%+1.5pp	7.9%—	——	——
Earnings yield	8.6%+2.1pp	6.5%—	——	——
Dividend yield	3.1%+0.2pp	2.9%—	——	——
PEG ratio	0.4×-0.1×	0.4×—	——	——

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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.