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
3Y+17.0%
5Y+57.0%
10Y+161.0%
3Y+14.0%
5Y+54.0%
10Y+153.0%
3Y+35.0%
5Y+81.0%
10Y+238.0%
u

United Community Banks, Inc. Funding & Solvency Profile

UCB ยท NYSE
Cash & Cash Equivalents202.59M
Net Receivables83.56M
Inventory0.00
Other Current Assets0.00
Total Current Assets4 B
Property, Plant & Equipment393.71M
Goodwill & Intangible Assets967.88M
Long-Term Investments22.53B
Other Non-Current Assets0.00
Total Non-Current Assets23 B
Total Assets
28.00B

Financial Health Analysis

Current Ratio

0.17x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.70x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-19846424000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

14% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

United Community Banks, Inc. Balance Sheet

UCB โ€ข NYSE

United Community Banks, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
202.6M
519.9M
1B
511.9M
2.3B
1.6B
515.2M
327.3M
314.3M
217.3M
240.4M
192.7M
228.9M
251.1M
378.4M
207.9M
246.6M
124.8M
219.6M
171.3M
3.8B
4.4B
3.3B
3.6B
4.5B
3.2B
2.3B
2.6B
2.6B
2.4B
2.3B
1.8B
1.8B
1.8B
1.8B
0.0
0.0
0.0
0.0
0.0
4B
5B
4.3B
4.1B
6.8B
4.8B
2.8B
3B
2.9B
2.6B
2.5B
2B
2.1B
2.1B
2.2B
207.9M
246.6M
124.8M
219.6M
171.3M
83.6M
85.6M
87.8M
72.8M
43M
47.7M
32.7M
35.4M
32.5M
28M
25.8M
20.1M
19.6M
18.7M
20.7M
24.3M
33.9M
46.1M
62.8M
58.3M
83.6M
85.6M
87.8M
72.8M
43M
47.7M
32.7M
35.4M
32.5M
28M
25.8M
20.1M
19.6M
18.7M
20.7M
24.3M
33.9M
46.1M
62.8M
58.3M
4B
5B
4.4B
4.2B
6.8B
4.9B
2.8B
3B
3B
2.7B
2.6B
2B
2.1B
2.1B
2.2B
232.2M
280.5M
170.9M
282.5M
229.6M
NON-CURRENT ASSETS
393.7M
394.3M
378.4M
298.5M
245.3M
218.5M
216M
206.1M
208.9M
189.9M
178.2M
159.4M
163.6M
168.9M
175.1M
178.2M
182M
179.2M
180.1M
139.7M
967.9M
907.1M
919.9M
751.2M
452M
367.8M
327.4M
307.1M
220.6M
142M
130.6M
1.5M
0.0
0.0
0.0
0.0
210.6M
305.6M
306.1M
152M
0.0
49.6M
70.2M
28.1M
20.4M
14M
14.8M
17M
23.8M
14.2M
16.8M
2.1M
3.5M
5.5M
8.4M
11.4M
14.6M
16.2M
19.2M
15.1M
967.9M
956.6M
990.1M
779.2M
472.4M
381.8M
342.2M
324.1M
244.4M
156.2M
147.4M
3.6M
3.5M
5.5M
8.4M
11.4M
225.2M
321.8M
325.3M
167.1M
22.5B
20.4B
20.7B
17.9B
12.9B
11.8B
9.1B
8.6B
8.1B
7.2B
6.3B
5.1B
4.8B
4.3B
4.3B
6B
6.6B
7.2B
7.2B
6.5B
75.9M
97M
113.2M
129.3M
41.3M
38.4M
34.1M
64.2M
88M
154.3M
197.6M
215.5M
258.5M
0.0
0.0
0.0
68.8M
0.0
0.0
0.0
0.0
789.1M
707.9M
749.7M
455.9M
428.4M
373.8M
347.4M
358.4M
287.7M
199.6M
142.9M
152.7M
181.9M
261.5M
1.1B
687.3M
700M
194.8M
112.5M
24B
22.7B
22.9B
19.8B
14.1B
12.9B
10.1B
9.6B
9B
8B
7.1B
5.6B
5.3B
4.7B
4.8B
7.2B
7.7B
8.4B
7.9B
6.8B
28B
27.7B
27.3B
24B
20.9B
17.8B
12.9B
12.6B
11.9B
10.7B
9.6B
7.6B
7.4B
6.8B
7B
7.4B
8B
8.6B
8.2B
7.1B
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
298.6M
210.8M
198.5M
154.9M
127.5M
103.9M
78.4M
85.5M
57.5M
49.2M
38.7M
36.2M
32.2M
43.8M
104.2M
0.0
0.0
85M
195M
0.0
317.9M
0.0
0.0
0.0
160M
50M
5M
16.6M
6M
106.5M
105.1M
205.2M
101.1M
101.4M
108.4M
638.5M
65.9M
23.8B
23.5B
23.3B
19.9B
18.2B
15.2B
10.9B
10.5B
9.8B
8.6B
7.9B
6.3B
6.2B
6B
6.1B
6.5B
6.6B
7B
6.1B
5.8B
23.9B
23.7B
23.3B
20.5B
18.5B
15.4B
11.1B
10.8B
10B
8.7B
8B
6.4B
6.4B
6.1B
6.3B
6.6B
6.8B
7.2B
6.7B
5.8B
NON-CURRENT LIABILITIES
120.4M
254.2M
324.8M
874.7M
247.4M
327M
212.7M
267.2M
625.2M
884.3M
594M
400M
250M
164.9M
160.9M
205.3M
264.6M
386.3M
627.8M
602.2M
360M
378M
400.3M
-59.4M
25.1M
29M
15.5M
26.4M
25.4M
27.6M
28.8M
37.4M
22.6M
-40M
-92.3M
0.0
0.0
0.0
33.2M
43.5M
480.4M
632.2M
725.1M
815.3M
272.5M
356M
228.2M
293.6M
650.6M
911.9M
622.8M
437.4M
272.5M
124.9M
68.6M
205.3M
264.6M
386.3M
661M
645.7M
24.4B
24.3B
24B
21.3B
18.7B
15.8B
11.3B
11.1B
10.6B
9.6B
8.6B
6.8B
6.6B
6.2B
6.4B
6.8B
7B
7.6B
7.4B
6.5B
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-16.5M
-43.8M
0.0
0.0
88.3M
88.3M
96.4M
96.4M
96.4M
0.0
0.0
0.0
0.0
10M
0.0
121.6M
195.4M
193.9M
175.9M
174.6M
258K
258K
322K
120.6M
119.4M
119M
106.2M
89.4M
86.7M
79M
79.2M
77.6M
70.9M
71.5M
60.3M
59.4M
57.7M
57.6M
98.6M
22.4M
51.7M
48.8M
42.9M
2.8B
2.7B
2.7B
2.3B
1.7B
1.6B
1.5B
1.5B
1.5B
1.3B
1.3B
1.1B
1.1B
1.1B
1.1B
665.5M
697.3M
460.7M
462.9M
270.4M
914.3M
714.1M
581.2M
508.8M
330.7M
136.9M
40.2M
-90.4M
-209.9M
-251.9M
-330.9M
-387.6M
-448.1M
-709.2M
-730.9M
-335.6M
20.4M
265.4M
347.4M
306.3M
-150.6M
-212.9M
-239.2M
-329.5M
-26.5M
37.7M
8.4M
-41.6M
-25.2M
-26.5M
-25.5M
-18.8M
-19.8M
-23.6M
-3.3M
31.1M
47.6M
54.6M
16.4M
-3.1M
13.7M
13M
13.1M
12.3M
11.3M
10.9M
11.5M
10.7M
9.1M
7.3M
6.8M
5.2M
3.9M
3.1M
3.2M
0.0
0.0
173.2M
0.0
0.0
3.6B
3.4B
3.3B
2.7B
2.2B
2B
1.6B
1.5B
1.3B
1.1B
1B
739.6M
795.7M
581.4M
575.5M
635.5M
962.3M
989.4M
831.9M
616.8M
3.6B
3.4B
3.3B
2.7B
2.2B
2B
1.6B
1.5B
1.3B
1.1B
1B
739.6M
795.7M
581.4M
575.5M
635.5M
962.3M
989.4M
831.9M
616.8M
SUMMARY
28B
27.7B
27.3B
24B
20.9B
17.8B
12.9B
12.6B
11.9B
10.7B
9.6B
7.6B
7.4B
6.8B
7B
7.4B
8B
8.6B
8.2B
7.1B
26.3B
24.9B
24B
21.5B
17.4B
15.1B
11.4B
11.3B
10.7B
9.7B
8.6B
6.8B
6.6B
6.2B
6.1B
6B
6.6B
7.2B
7.2B
6.5B
205.4M
449.2M
324.8M
1.2B
247.4M
327M
212.7M
427.2M
675.2M
884.3M
610.6M
406M
356.5M
270.1M
366M
306.3M
366M
494.7M
1.3B
668.1M
2.8M
-70.7M
-679.1M
680.7M
-2B
-1.3B
-302.5M
99.9M
360.9M
666.9M
370.2M
213.3M
127.6M
18.9M
-12.4M
98.4M
119.3M
369.9M
1B
496.8M
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635
121,547,635

SEC Filings

UCB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
S-4

S-4

N/A

May 28, 2026
May 28, 2026
ย 
8-K

8-K 2026

N/A

May 15, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 01, 2026
May 13, 2026
2026
10-K

10-K 2025 FY

FY

February 17, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 14, 2026
January 14, 2026
2026
8-K

8-K 2025

N/A

December 08, 2025
December 08, 2025
2025
Showing 1 to 10 of 498 filings