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-28.0%
5Y+174.0%
10Y+211.0%
3Y-103.0%
5Y-103.0%
10Y-107.0%
3Y+109.0%
5Y-122.0%
10Y-195.0%
U

United Community Banks, Inc. Cash Conversion Engine

UCB ยท NYSE
Net Income328.10M
Depreciation & Amortization45.95M
Stock-Based Compensation11.40M
Change in Working Capital-71.01M
Others110.72M
Capital Expenditures-27.58M
Free Cash Flow407.72M

Cash Flow Quality Analysis

FCF Conversion Rate

124.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

6.3%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+34.7%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$71.01M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

United Community Banks, Inc. Cash Flow Statement

UCB โ€ข NYSE

United Community Banks, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
328.1M
250.9M
187.5M
277.5M
269.8M
164.1M
185.7M
166.1M
67.8M
100.7M
71.6M
67.6M
273.1M
33.9M
-226.7M
-502.3M
-228.3M
-63.5M
58M
68.8M
46M
40.9M
45M
46.7M
-2.1M
-8.6M
24M
31M
27.5M
30M
22.7M
20M
26.4M
32.6M
21.1M
16.4M
14.6M
14.8M
13.9M
14.8M
10.1M
7.2M
6.4M
10.9M
20.8M
2.7M
14.9M
32.6M
99.6M
59.7M
38.3M
38.2M
-241.7M
0.0
0.0
69.3M
-50M
-13.6M
-14.2M
-3.5M
11.4M
10.8M
8.9M
8.7M
6.6M
7.9M
9.4M
6.1M
5.8M
4.5M
4.4M
4.3M
3M
2M
2.1M
2.5M
3.7M
3.9M
0.0
0.0
110.7M
79.9M
133.6M
57.1M
-48.9M
74.3M
7.3M
879K
-6.7M
-11.7M
1.1M
4.8M
70M
71M
319.4M
527M
408.8M
197.8M
58M
17.6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(36.5M)
(33.8M)
(7.9M)
(6.5M)
(3.9M)
(4.2M)
(3M)
(2.4M)
(0.0)
(138K)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-71M
-40M
-87.5M
206.5M
113.1M
-81.6M
-87.3M
33.4M
14M
-43.2M
-24.6M
-35.6M
60.7M
43.7M
36M
11.8M
-9.2M
-18.2M
-10.3M
-47M
435.3M
349.7M
294M
607.3M
359.3M
158.7M
153.9M
270M
208M
139.9M
113.4M
99.3M
191.7M
183.1M
151.9M
123.4M
139.6M
121.3M
105.4M
50.6M
INVESTING ACTIVITIES
-27.6M
-47M
-72.5M
-42.7M
-26.5M
-18.5M
-20.9M
-17.6M
-22.2M
-17.4M
-10.5M
-5.1M
-8.1M
-4.1M
-7.2M
-7.1M
-14.9M
-11.4M
-34.1M
-25.9M
(41.2M)
(8.6M)
(114M)
(35.2M)
(103.1M)
(195.7M)
-19.5M
-56.8M
(53.7M)
(1.9M)
(35.5M)
-31.3M
(0.0)
(0.0)
(0.0)
(2.8M)
(63.6M)
(0.0)
-4.3M
(73.7M)
-526.8M
-2.1B
-1B
-2.1B
-3.4B
-1.6B
-353.9M
-578.3M
-973.6M
-717M
-859.3M
-603.6M
-826.7M
-1.2B
-1.3B
-928M
-884.8M
-820.7M
-904.2M
-367.1M
1.5B
1B
1.8B
1.3B
1.3B
933.7M
752.2M
574M
1B
660.7M
714.6M
708.3M
580.8M
1.2B
698.3M
958.1M
1B
627.4M
725.4M
301.4M
-897.1M
101.1M
-985.2M
-1.2B
185.9M
-1.1B
-194.7M
-280.7M
-106.8M
-660.5M
-275.3M
-303.3M
-228.7M
-113.1M
273.5M
347.5M
218M
31.6M
-140.7M
-715.1M
(51.6M)
-991M
-163.3M
-2B
-1.8B
-1.6B
(163.2M)
-359.5M
-45.5M
-732.3M
-400.4M
-234.9M
-482.8M
-102M
-364M
(373.3M)
(403.9M)
-173.1M
-357.9M
-732.9M
FINANCING ACTIVITIES
-135.8M
0.0
-7.2M
0.0
-15.1M
-20.8M
-14.7M
-2M
-1.7M
-14.8M
-1.5M
12.2M
0.0
0.0
361.6M
0.0
213.2M
3.4M
-40.4M
5.9M
-245M
126.4M
-992.6M
708.9M
-105.1M
-30.6M
-215.3M
-582.6M
-325.1M
244.2M
154.9M
86.3M
85.7M
-52.7M
-43.8M
-61.5M
-173.3M
-298.7M
622.1M
-217.4M
-123.2M
-118.6M
-111.7M
-93.8M
-73.8M
-62.4M
-53M
-41.6M
-26.2M
-15.9M
-14.9M
-3M
-11.1M
-10.7M
-10.2M
-9M
-8.5M
-12.7M
-16M
-12.5M
-135.8M
(0.0)
-7.2M
(0.0)
-15.1M
-20.8M
-14.7M
-2M
-1.7M
-24.8M
-1.5M
(0.0)
-75.2M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-46.1M
(0.0)
-37.5M
149.5M
1.3B
-874M
2.4B
2.5B
153.8M
728.7M
287.5M
365.9M
196.2M
125.5M
269.6M
-144.9M
-366.5M
-153.1M
-691.9M
440.6M
-264.8M
935.1M
-541.6M
157.3M
226.3M
-258.8M
2.2B
2.5B
-129.2M
102.5M
-65.5M
569.4M
334.7M
99.4M
268.9M
-208.3M
-59M
-223.6M
-660.6M
325.6M
300.8M
711M
CASH FLOW SUMMARY
124.1M
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
0.0
0.0
69.4M
-484M
357M
-1.7B
709.9M
1.1B
187.9M
13M
96.9M
-23M
47.7M
-36.2M
-22.3M
-127.3M
-271M
273.1M
-117.1M
273.8M
48.3M
28.7M
519.9M
1B
646.9M
2.3B
1.6B
515.2M
327.3M
314.3M
217.3M
240.4M
192.7M
228.9M
251.1M
378.4M
649.5M
376.4M
493.4M
219.6M
171.3M
142.6M
589.3M
519.9M
1B
646.9M
2.3B
1.6B
515.2M
327.3M
314.3M
217.3M
240.4M
192.7M
228.9M
251.1M
378.4M
649.5M
376.4M
493.4M
219.6M
171.3M
407.7M
302.7M
221.5M
564.6M
332.8M
140.2M
133M
252.4M
185.8M
122.5M
102.9M
94.2M
183.5M
179M
144.7M
116.3M
124.7M
109.9M
71.4M
24.8M

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