United Community Banks, Inc. UCB | NYSE

$29.34 $0.14 | 0.48%

After Hours
$27.51 -$1.83 | -6.24%

Company Overview:

Market Cap: $3.57B
PE Ratio: 11.64
52-Week Range: $22.93 - $35.38
Dividend Yield (FWD): 3.45% ($1.00)

10 Year UCB Performance Metrics:

Total Return (with DRIP): 59.0% (4.75% CAGR)
Total Return (no DRIP): 56.6% (4.59% CAGR)
Share Price: 41.4% (3.52% CAGR)
Dividend Increase: 316.7% (15.69% CAGR)
UCB 10-yr Total Return ($10K invested)
1Y 2Y 5Y 10Y All

UCB Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
UCB Dividend CAGR:1Y: 4.17%2Y: 4.26%5Y: 37.97%10Y: -1.51%
Share Price
UCB Price CAGR:1Y: 4.14%2Y: 9.83%5Y: 5.67%10Y: 3.52%

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UCB Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend Payout Ratio - UCB
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Dividend to Free Cash Flow Ratio - UCB
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UCB Earnings, Revenue, Cash & Debt, Shares Outstaning:

UCB - Revenue
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UCB Revenue CAGR:1Y: 56.53%2Y: 24.59%5Y: 21.16%10Y: 17.51%
UCB - Earnings Per Share (EPS)
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UCB EPS CAGR:1Y: 13.73%2Y: 5.61%5Y: 7.71%10Y: 7.18%
UCB - Net Income
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UCB Net Income CAGR:1Y: 14.02%2Y: 7.06%5Y: 17.50%10Y: 14.99%
UCB - EBITDA
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UCB EBITDA CAGR:1Y: 12.41%2Y: 5.59%5Y: 0.00%10Y: 0.00%
UCB - Free Cash Flow
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UCB Free Cash Flow CAGR:1Y: 25.59%2Y: 18.22%5Y: 55.34%10Y: 14.39%
UCB - Free Cash Flow / Share
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UCB Free Cash Flow / Share CAGR:1Y: 17.19%2Y: 15.93%5Y: 46.10%10Y: 6.41%
UCB - Operating Income
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UCB Operating Income CAGR:1Y: -12.51%2Y: -7.61%5Y: 0.00%10Y: 0.00%
UCB - Gross Profit
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UCB Gross Profit CAGR:1Y: -2.77%2Y: -1.80%5Y: 10.15%10Y: 12.05%
UCB - Shares Outstanding
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UCB Shares Outstanding CAGR:1Y: 0.38%2Y: 1.92%5Y: 8.63%10Y: 7.03%
UCB - Share Buybacks
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UCB Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: -100.00%10Y: -100.00%
UCB - Stock-Based Comp
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UCB Stock-Based Comp CAGR:1Y: -3.41%2Y: -3.30%5Y: -1.41%10Y: 8.88%
UCB - Expenses
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UCB Expenses CAGR:1Y: -68.54%2Y: -56.32%5Y: 10.69%10Y: 9.33%
UCB - Revenue vs Net Income
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UCB - EPS vs FCF / Share
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UCB - EPS vs PE Ratio
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UCB - FCF vs FCF / Share
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UCB - FCF vs Stock Based Comp
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UCB - Cash & Debt
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UCB - Dividends
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UCB Dividend CAGR:1Y: 4.17%2Y: 4.26%5Y: 37.97%10Y: -1.51%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

UCB - REVENUE: Actual + Estimates
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UCB Actual Revenue CAGR:1Y: 56.53%2Y: 24.59%5Y: 21.16%10Y: 17.51%
UCB - EPS: Actual + Estimates
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UCB Actual EPS CAGR:1Y: 13.73%2Y: 5.61%5Y: 7.71%10Y: 7.18%
UCB - NET INCOME: Actual + Estimates
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UCB Actual Net Income CAGR:1Y: 14.02%2Y: 7.06%5Y: 17.50%10Y: 14.99%
UCB - EBITDA: Actual + Estimates
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UCB Actual EBITDA CAGR:1Y: 12.41%2Y: 5.59%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

UCB - Net Profit Margin
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UCB Net Profit Margin CAGR:1Y: 16.91%2Y: -14.07%5Y: -3.02%10Y: -2.15%
UCB - Gross Profit Margin
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UCB Gross Profit Margin CAGR:1Y: -12.79%2Y: 3.30%5Y: 2.43%10Y: 1.27%
UCB - Price to Earnings
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UCB - Price To Sales Ratio
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UCB - Return on Capital Employed
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UCB - Return on Invested Capital
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UCB Dividends Info:

Annual Dividend: $1
Forward Yield: 3.41%
Ex-Dividend Date: 2025-09-15
Lifetime Dividends / Share: $11.77

UCB Dividend History: Dates, Payments & Yield list

Below is a schedule of all UCB dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/15/202510/03/2025$0.2503.06%3.17%$31.51
06/13/202507/03/2025$0.2403.4%3.02%$31.79
03/14/202504/04/2025$0.2403.34%3.96%$24.24
12/16/202401/06/2025$0.2402.83%3.02%$31.83
09/16/202410/04/2024$0.2403.19%3.38%$28.41
06/14/202407/05/2024$0.2303.8%3.73%$24.68
03/14/202404/05/2024$0.2303.69%3.63%$25.31
12/14/202301/05/2024$0.2303.05%3.19%$28.83
09/14/202310/05/2023$0.2303.49%3.62%$25.44
06/14/202307/05/2023$0.2303.47%3.65%$25.19
03/14/202304/05/2023$0.2303.24%3.34%$27.53
06/13/201706/20/2017$0.0900.64%0.64%$28.05
03/13/201703/20/2017$0.0900.59%0.62%$29.06
12/13/201612/20/2016$0.0800.55%0.55%$29.32
09/13/201609/20/2016$0.0800.73%0.78%$20.61
06/13/201606/20/2016$0.0700.74%0.74%$18.95
03/11/201603/18/2016$0.0700.71%0.77%$18.30
12/11/201512/18/2015$0.0600.64%0.64%$18.86
09/11/201509/18/2015$0.0600.55%0.6%$20.00
06/11/201506/18/2015$0.0500.51%0.51%$19.46
03/11/201503/18/2015$0.0500.53%0.53%$18.94
12/11/201412/18/2014$0.0500.45%0.56%$17.85
09/12/201409/19/2014$0.0300.33%0.33%$18.31
06/12/201406/19/2014$0.0300.19%0.38%$15.99
06/12/200806/19/2008$0.4361.85%1.85%$47.29
03/12/200803/19/2008$0.4361.21%1.21%$72.06
12/12/200712/19/2007$0.4361.09%1.09%$80.21
09/12/200709/19/2007$0.4360.8%0.8%$109.67
06/13/200706/20/2007$0.4360.69%0.69%$127.36
03/13/200703/20/2007$0.4360.53%0.56%$155.80
12/13/200612/20/2006$0.3880.52%0.52%$148.62
09/13/200609/20/2006$0.3880.55%0.55%$142.09
06/13/200606/20/2006$0.3880.57%0.57%$135.42
03/13/200603/20/2006$0.3880.58%0.62%$124.91
12/13/200512/20/2005$0.3390.53%0.53%$127.32
09/13/200509/20/2005$0.3390.54%0.54%$126.67
06/13/200506/20/2005$0.3390.59%0.59%$115.04
03/11/200503/18/2005$0.3390.57%0.62%$109.76
12/13/200412/20/2004$0.2910.44%0.44%$132.97
09/13/200409/20/2004$0.2910.52%0.52%$111.34
06/14/200406/21/2004$0.2910.55%0.55%$105.87
03/11/200403/18/2004$0.2910.81%0.88%$65.99
12/11/200312/18/2003$0.2420.69%0.69%$69.99
09/11/200309/18/2003$0.2420.87%0.87%$55.89
06/12/200306/19/2003$0.2420.91%0.91%$53.42
03/12/200303/19/2003$0.2420.7%1%$48.37
12/26/200201/02/2003$0.0970.56%0.36%$53.29
12/12/200212/19/2002$0.2040.77%0.77%$52.98
09/12/200209/19/2002$0.2040.78%0.78%$51.95
06/12/200206/19/2002$0.2040.36%0.72%$56.81

Projected Future Returns & Dividends for UCB

Based on past 10-year performance, here are UCB growth metrics:

Share price CAGR of +3.52%
Dividend CAGR of +15.34%

Using UCB CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

UCB (DRIP)UCB - No DRIP
Current Price$28.95$28.95
Start Shares345.42345.42
Start Value$10,000$10,000
  
After 10 years:
Final Share Count619.79345.42
Dividends Payment$1.04$1.04
Annual Dividends$2,582$1,439
Yield on cost25.82%14.39%
Share Price$39.53$39.53
Total Dividends$9,759$7,131
Final Value$24,501$20,786

Estimated Future Value + Dividends - UCB

NOTE: Above numbers are our estimate based on UCB's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

United Community Banks, Inc. (UCB) had its IPO on 2000-01-04, and is trader on NYSE stock exchange.

United Community Banks, Inc. operates as the financial holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors. It accepts various deposit products, including checking, savings, money market, and other deposit accounts. The company also offers lending services, including real estate, consumer, and commercial loans, to individuals, small businesses, mid-sized commercial businesses, and non-profit organizations, as well as secured and unsecured, and mortgage loans. In addition, it originates loans partially guaranteed by the SBA and USDA loan programs. Further, the company provides wealth management services comprising financial planning, customized portfolio management, and investment advice; trust services to manage fiduciary assets; non-deposit investment products; and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities, as well as invests in residential and commercial mortgage-backed securities, asset-backed securities, the U.S. treasury, the U.S. agency, and municipal obligations. Additionally, it offers reinsurance on a property insurance contract; insurance agency services; treasury management; credit cards; payment and commerce solution, equipment finance, investment advisory, and other related financial services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. The company was founded in 1950 and is headquartered in Blairsville, Georgia.

UCB website: https://www.ucbi.com


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