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United Community Banks, Inc. UCB | NYSE

$35.33 $0.00 | 0.00%

Next Earnings: Sep 15, 2026

Company Overview:

Market Cap: $0

Trailing PE: 0x

FWD PE *: 11.7x

Payout Ratio (TTM): 32.5%

52-Week Range: $28.65 - $37.18

* Forward PE is based on street estimates.

10 Year UCB Performance Metrics:

Total Return (with DRIP): 91.4% (6.71% CAGR)

Total Return (no DRIP): 86.0% (6.40% CAGR)

Share Price: 70.7% (5.49% CAGR)

Yield on Cost (with DRIP): 5.63%

Total Invested: $10,000

Total Value (with DRIP): $19,142

Total Return $ (with DRIP): $9,142

Dividend Increase: 212.5% (12.39% CAGR)

Dividend Yield (FWD): 2.94% ($1.04)

UCB 10-yr Total Return ($10K invested)

1Y 2Y 5Y 10Y All

UCB Share Price chart

Share Price

UCB Price CAGR:1Y: 11.45%2Y: 10.02%5Y: 4.03%10Y: 5.49%

UCB Dividend Charts

UCB - Dividends

UCB Dividend CAGR:1Y: 11.04%2Y: 1.83%5Y: 0.90%10Y: 12.06%

UCB - Dividend Payout Ratio

UCB - Dividend to Free Cash Flow Ratio

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UCB Earnings, Revenue, Cash & Debt, Shares Outstanding:

UCB - Revenue

UCB Revenue CAGR:1Y: -27.53%2Y: -15.15%5Y: 10.07%10Y: 10.73%

UCB - Earnings Per Share (EPS)

UCB EPS CAGR:1Y: 50.79%2Y: 32.64%5Y: 4.02%10Y: 10.50%

UCB - Net Income

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UCB Net Income CAGR:1Y: 46.87%2Y: 31.75%5Y: 10.48%10Y: 16.43%

UCB - EBITDA

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UCB EBITDA CAGR:1Y: 23.10%2Y: 20.22%5Y: 0.00%10Y: 0.00%

UCB - Free Cash Flow

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UCB Free Cash Flow CAGR:1Y: 43.32%2Y: 17.98%5Y: 0.97%10Y: 18.01%

UCB - Free Cash Flow / Share

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UCB Free Cash Flow / Share CAGR:1Y: 44.60%2Y: 17.69%5Y: -5.31%10Y: 12.19%

UCB - Operating Income

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UCB Operating Income CAGR:1Y: 37.65%2Y: 26.85%5Y: 0.00%10Y: 0.00%

UCB - Gross Profit

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UCB Gross Profit CAGR:1Y: 27.45%2Y: 16.38%5Y: 12.87%10Y: 12.12%

UCB - Shares Outstanding

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UCB Shares Outstanding CAGR:1Y: -0.82%2Y: 0.27%5Y: 6.62%10Y: 5.25%

UCB - Share Buybacks

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UCB Share Buybacks CAGR:1Y: 166.05%2Y: 0.00%5Y: 46.63%10Y: 25.34%

UCB - Stock-Based Comp

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UCB Stock-Based Comp CAGR:1Y: 28.61%2Y: 19.83%5Y: 17.84%10Y: 15.12%

UCB - Expenses

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UCB Expenses CAGR:1Y: -23.98%2Y: -28.17%5Y: -5.26%10Y: 6.72%

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

UCB - REVENUE: Actual + Estimates

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UCB Actual Revenue CAGR:1Y: -27.53%2Y: -15.15%5Y: 10.07%10Y: 10.73%

UCB - EPS: Actual + Estimates

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UCB Actual EPS CAGR:1Y: 50.79%2Y: 32.64%5Y: 4.02%10Y: 10.50%

UCB - NET INCOME: Actual + Estimates

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UCB Actual Net Income CAGR:1Y: 46.87%2Y: 31.75%5Y: 10.48%10Y: 16.43%

UCB - EBITDA: Actual + Estimates

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UCB Actual EBITDA CAGR:1Y: 23.10%2Y: 20.22%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: 44.34%2Y: 31.05%5Y: -6.22%10Y: 1.64%

UCB - Gross Profit Margin

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UCB Gross Profit Margin CAGR:1Y: 25.25%2Y: 15.76%5Y: 7.51%10Y: 3.58%

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: $1.04

Forward Yield: 2.94%

Ex-Dividend Date: 2026-09-15

Lifetime Dividends / Share: $12.78

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 the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/15/2026	10/05/2026	$0.260	2.93%	0%	$0.00
06/15/2026	07/03/2026	$0.250	2.99%	3.07%	$32.56
03/13/2026	04/03/2026	$0.250	3.34%	3.34%	$29.91
12/15/2025	01/05/2026	$0.250	3.1%	3.11%	$32.11
09/15/2025	10/03/2025	$0.250	3.15%	3.17%	$31.51
06/13/2025	07/03/2025	$0.240	3.4%	3.02%	$31.79
03/14/2025	04/04/2025	$0.240	3.37%	3.96%	$24.24
12/16/2024	01/06/2025	$0.240	2.89%	3.02%	$31.83
09/16/2024	10/04/2024	$0.240	3.29%	3.38%	$28.41
06/14/2024	07/05/2024	$0.230	3.8%	3.73%	$24.68
03/14/2024	04/05/2024	$0.230	3.69%	3.63%	$25.31
12/14/2023	01/05/2024	$0.230	3.05%	3.19%	$28.83
09/14/2023	10/05/2023	$0.230	3.53%	3.62%	$25.44
06/14/2023	07/05/2023	$0.230	3.55%	3.65%	$25.19
03/14/2023	04/05/2023	$0.230	3.39%	3.34%	$27.53
06/13/2017	06/20/2017	$0.090	1.28%	1.28%	$28.05
03/13/2017	03/20/2017	$0.090	1.24%	1.24%	$29.06
12/13/2016	12/20/2016	$0.080	1.09%	1.09%	$29.32
09/13/2016	09/20/2016	$0.080	1.55%	1.55%	$20.61
06/13/2016	06/20/2016	$0.070	1.48%	1.48%	$18.95
03/11/2016	03/18/2016	$0.070	1.53%	1.53%	$18.30
12/11/2015	12/18/2015	$0.060	1.27%	1.27%	$18.86
09/11/2015	09/18/2015	$0.060	0.3%	0.3%	$20.00
06/11/2015	06/18/2015	$0.050	0.26%	0.26%	$19.46
03/11/2015	03/18/2015	$0.050	0.26%	0.26%	$18.94
12/11/2014	12/18/2014	$0.050	0.28%	0.28%	$17.85
09/12/2014	09/19/2014	$0.030	0.16%	0.16%	$18.31
06/12/2014	06/19/2014	$0.030	0.19%	0.19%	$15.99
06/12/2008	06/19/2008	$0.436	3.69%	3.69%	$47.29
03/12/2008	03/19/2008	$0.436	2.42%	2.42%	$72.06
12/12/2007	12/19/2007	$0.436	2.18%	2.18%	$80.21
09/12/2007	09/19/2007	$0.436	1.59%	1.59%	$109.67
06/13/2007	06/20/2007	$0.436	1.37%	1.37%	$127.36
03/13/2007	03/20/2007	$0.436	1.12%	1.12%	$155.80
12/13/2006	12/20/2006	$0.388	1.04%	1.04%	$148.62
09/13/2006	09/20/2006	$0.388	1.09%	1.09%	$142.09
06/13/2006	06/20/2006	$0.388	1.15%	1.15%	$135.42
03/13/2006	03/20/2006	$0.388	1.24%	1.24%	$124.91
12/13/2005	12/20/2005	$0.339	1.07%	1.07%	$127.32
09/13/2005	09/20/2005	$0.339	1.07%	1.07%	$126.67
06/13/2005	06/20/2005	$0.339	1.18%	1.18%	$115.04
03/11/2005	03/18/2005	$0.339	1.24%	1.24%	$109.76
12/13/2004	12/20/2004	$0.291	0.88%	0.88%	$132.97
09/13/2004	09/20/2004	$0.291	1.05%	1.05%	$111.34
06/14/2004	06/21/2004	$0.291	1.1%	1.1%	$105.87
03/11/2004	03/18/2004	$0.291	1.76%	1.76%	$65.99
12/11/2003	12/18/2003	$0.242	1.39%	1.39%	$69.99
09/11/2003	09/18/2003	$0.242	1.74%	1.74%	$55.89
06/12/2003	06/19/2003	$0.242	1.82%	1.82%	$53.42
03/12/2003	03/19/2003	$0.242	2.01%	2%	$48.37
12/26/2002	01/02/2003	$0.097	0.73%	0.73%	$53.29
12/12/2002	12/19/2002	$0.204	1.54%	1.54%	$52.98
09/12/2002	09/19/2002	$0.204	1.57%	1.57%	$51.95
06/12/2002	06/19/2002	$0.204	1.43%	1.43%	$56.81

Projected Future Returns & Dividends for UCB

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

Share price CAGR of +5.49%
Dividend CAGR of +11.04%

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

	UCB (DRIP)	UCB - No DRIP
Current Price	$35.33	$35.33
Start Shares	283.05	283.05
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	379.52	283.05
Dividends Payment	$0.44	$0.44
Annual Dividends	$674	$502
Yield on cost	6.74%	5.02%
Share Price	$60.30	$60.30
Total Dividends	$4,443	$3,789
Final Value	$22,885	$20,856

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 2002-03-18, and is trader on NYSE stock exchange.

United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.

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

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