UC

United Community Banks, Inc.

UCBยทNYSE

$32.25

-0.25%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$3.86B
EPS2.6300
P/E Ratio12.26
Earnings Date07/22/2026
0.79%
Dividend Yield
-2%
3Y+1.0%
5Y+35.0%
10Y+108.0%
35.74%
Dividend Payout Ratio
3Y-12.0%
5Y+50.0%
10Y+79.0%
3Y+22.0%
5Y+76.0%
10Y+506.0%
UC

United Community Banks, Inc. Dividend History

UCB ยท NYSE
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

UCB Dividend Payment History

UCB ยท NYSE

Total Payments

50

Latest Dividend

$0.2500

Annual Amount

$1.0000

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
May 14, 2026
Jun 15, 2026Jul 3, 2026
$0.2500
$0.2500
Quarterly0.00%
Feb 26, 2026
Mar 13, 2026Apr 3, 2026
$0.2500
$0.2500
Quarterly0.00%
Nov 13, 2025
Dec 15, 2025Jan 5, 2026
$0.2500
$0.2500
Quarterly0.00%
Aug 14, 2025
Sep 15, 2025Oct 3, 2025
$0.2500
$0.2500
Quarterly+4.17%
May 15, 2025
Jun 15, 2025Jul 3, 2025
$0.2400
$0.2400
Quarterly0.00%
Feb 21, 2025
Mar 14, 2025Apr 4, 2025
$0.2400
$0.2400
Quarterly0.00%
Nov 14, 2024
Dec 16, 2024Jan 6, 2025
$0.2400
$0.2400
Quarterly0.00%
Aug 15, 2024
Sep 16, 2024Oct 4, 2024
$0.2400
$0.2400
Quarterly+4.35%
May 16, 2024
Jun 15, 2024Jul 5, 2024
$0.2300
$0.2300
Quarterly0.00%
Feb 23, 2024
Mar 15, 2024Apr 5, 2024
$0.2300
$0.2300
Quarterly0.00%
Nov 27, 2023
Dec 15, 2023Jan 5, 2024
$0.2300
$0.2300
Quarterly0.00%
Aug 21, 2023
Sep 15, 2023Oct 5, 2023
$0.2300
$0.2300
Quarterly0.00%
May 18, 2023
Jun 15, 2023Jul 5, 2023
$0.2300
$0.2300
Quarterly0.00%
Feb 22, 2023
Mar 15, 2023Apr 5, 2023
$0.2300
$0.2300
Quarterly+4.55%
Nov 10, 2022
Dec 15, 2022Jan 5, 2023
$0.2200
$0.2200
Quarterly0.00%
Aug 18, 2022
Sep 15, 2022Oct 5, 2022
$0.2200
$0.2200
Quarterly+4.76%
May 19, 2022
Jun 15, 2022Jul 5, 2022
$0.2100
$0.2100
Quarterly0.00%
Feb 17, 2022
Mar 15, 2022Apr 5, 2022
$0.2100
$0.2100
Quarterly+5.00%
Nov 10, 2021
Dec 15, 2021Jan 5, 2022
$0.2000
$0.2000
Quarterly0.00%
Aug 12, 2021
Sep 15, 2021Oct 5, 2021
$0.2000
$0.2000
Quarterly+5.26%
May 13, 2021
Jun 15, 2021Jul 5, 2021
$0.1900
$0.1900
Quarterly0.00%
Feb 18, 2021
Mar 15, 2021Apr 5, 2021
$0.1900
$0.1900
Quarterly+5.56%
Nov 5, 2020
Dec 15, 2020Jan 5, 2021
$0.1800
$0.1800
Quarterly0.00%
Aug 5, 2020
Sep 15, 2020Oct 5, 2020
$0.1800
$0.1800
Quarterly0.00%
May 6, 2020
Jun 15, 2020Jul 6, 2020
$0.1800
$0.1800
Quarterly0.00%
Feb 5, 2020
Mar 16, 2020Apr 6, 2020
$0.1800
$0.1800
Quarterly0.00%
Nov 7, 2019
Dec 16, 2019Jan 6, 2020
$0.1800
$0.1800
Quarterly+5.88%
Aug 7, 2019
Sep 15, 2019Oct 5, 2019
$0.1700
$0.1700
Quarterly0.00%
May 9, 2019
Jun 15, 2019Jul 5, 2019
$0.1700
$0.1700
Quarterly+6.25%
Feb 7, 2019
Mar 15, 2019Apr 5, 2019
$0.1600
$0.1600
Quarterly0.00%
Nov 8, 2018
Dec 15, 2018Jan 7, 2019
$0.1600
$0.1600
Quarterly+6.67%
Aug 3, 2018
Sep 15, 2018Oct 5, 2018
$0.1500
$0.1500
Quarterly0.00%
May 11, 2018
Jun 15, 2018Jul 5, 2018
$0.1500
$0.1500
Quarterly+25.00%
Feb 9, 2018
Mar 15, 2018Apr 5, 2018
$0.1200
$0.1200
Quarterly+20.00%
Nov 3, 2017
Dec 15, 2017Jan 5, 2018
$0.1000
$0.1000
Quarterly0.00%
Aug 8, 2017
Sep 15, 2017Oct 5, 2017
$0.1000
$0.1000
Quarterly+11.11%
N/A
Jun 15, 2017Jul 5, 2017
$0.0900
$0.0900
Quarterly0.00%
Feb 16, 2017
Mar 15, 2017Apr 5, 2017
$0.0900
$0.0900
Quarterly+12.50%
Nov 4, 2016
Dec 15, 2016Jan 5, 2017
$0.0800
$0.0800
Quarterly0.00%
Jul 27, 2016
Sep 15, 2016Oct 5, 2016
$0.0800
$0.0800
Quarterly+14.29%
May 13, 2016
Jun 15, 2016Jul 1, 2016
$0.0700
$0.0700
Quarterly0.00%
Feb 5, 2016
Mar 15, 2016Apr 1, 2016
$0.0700
$0.0700
Quarterly+16.67%
Nov 4, 2015
Dec 15, 2015Jan 4, 2016
$0.0600
$0.0600
Quarterly0.00%
Aug 13, 2015
Sep 15, 2015Oct 1, 2015
$0.0600
$0.0600
Quarterly+20.00%
May 27, 2015
Jun 15, 2015Jul 1, 2015
$0.0500
$0.0500
Quarterly0.00%
Feb 12, 2015
Mar 15, 2015Apr 1, 2015
$0.0500
$0.0500
Quarterly0.00%
Oct 16, 2014
Dec 15, 2014Jan 2, 2015
$0.0500
$0.0500
Quarterly+66.67%
Aug 25, 2014
Sep 16, 2014Oct 1, 2014
$0.0300
$0.0300
Quarterly0.00%
May 14, 2014
Jun 16, 2014Jul 1, 2014
$0.0300
$0.0300
Quarterly-93.12%
N/A
Mar 14, 2008Apr 1, 2008
$0.0900
$0.4360
Quarterly-
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United Community Banks, Inc. Payout Ratio Analysis

UCB ยท NYSE
Dividends Paid
-123.24M
2025
Net Income
328.15M
2025
Payout Ratio
37.56%
2025

Dividend Sustainability Analysis

Payout Ratio
37.56%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
30.2%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-3.9%

Dividend cut is concerning. Investigate whether due to one-time factors or fundamental business deterioration. Reassess dividend sustainability.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.