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About the company
United Community Banks, Inc. is the financial holding company for United Community (the Bank). The Bank offers a full range of banking, mortgage and wealth management services. The Bank operates approximately 201 offices across Alabama, Florida, Georgia, North Carolina, South Carolina, Miami and Tennessee. The Company also manages a national SBA lending franchise and a national equipment finance subsidiary, extending its reach to businesses across the country. It provides a range of financial products and services to the commercial, retail, governmental, educational, energy, healthcare and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels.
- Revenue in USD (TTM)1.38bn
- Net income in USD318.18m
- Incorporated1987
- Employees3.06k
- LocationUnited Community Banks Inc200 E. Camperdown WayGREENVILLE 29601United StatesUSA
- Phone+1 (706) 781-2265
- Websitehttps://www.ucbi.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bank of Hawaii Corp | 887.82m | 184.83m | 3.07bn | 1.87k | 16.56 | 2.02 | 21.23 | 4.25 | 4.63 | 4.63 | 17.94 | 46.60 | -- | -- | -- | -- | 0.8619 | 0.8666 | -- | -- | -- | -- | 28.73 | 29.63 | -- | -- | -- | 58.26 | 2.79 | 10.19 | 34.56 | 3.74 | -- | 0.8799 |
| First Hawaiian Inc | 951.30m | 276.27m | 3.29bn | 2.00k | 11.85 | 1.16 | 13.80 | 3.63 | 2.20 | 2.20 | 7.02 | 22.57 | -- | -- | -- | -- | 1.16 | 1.05 | -- | -- | -- | -- | 31.37 | 31.55 | -- | -- | -- | 51.61 | -2.93 | 10.30 | 20.05 | 8.26 | -- | 0.00 |
| Miami International Holdings Inc | 1.32bn | -97.08m | 3.51bn | -- | -- | 4.07 | -- | 2.69 | -1.39 | -1.39 | 16.73 | 10.22 | 1.26 | -- | 14.77 | -- | -9.26 | -- | -13.59 | -- | 29.41 | -- | -7.36 | -- | -- | 1.40 | 0.0079 | -- | 9.52 | -- | 588.86 | -- | -- | -- |
| Cathay General Bancorp | 1.31bn | 315.12m | 3.58bn | 1.27k | 11.62 | 1.21 | 15.44 | 4.34 | 4.54 | 4.54 | 11.77 | 43.53 | -- | -- | -- | -- | 1.33 | 1.46 | -- | -- | -- | -- | 38.53 | 42.47 | -- | -- | -- | 29.84 | -1.93 | 13.32 | 10.19 | 6.61 | -- | 1.86 |
| WSFS Financial Corp | 1.02bn | 287.35m | 3.61bn | 2.34k | 13.05 | 1.30 | 15.11 | 3.33 | 5.10 | 5.10 | 18.88 | 51.27 | -- | -- | -- | -- | 1.36 | 1.38 | -- | -- | -- | -- | 26.95 | 28.14 | -- | -- | -- | 12.60 | -4.13 | 14.67 | 8.98 | 20.51 | -- | 6.58 |
| Willscot Holdings Corp | 2.32bn | 223.54m | 3.98bn | 4.50k | 17.79 | 3.64 | 6.53 | 1.67 | 1.19 | 1.19 | 12.45 | 5.83 | 0.3818 | 22.98 | 5.46 | 515,108.90 | 3.68 | 2.99 | 4.12 | 3.30 | 52.39 | 53.04 | 9.64 | 8.44 | 0.7228 | 2.30 | 0.7734 | 0.00 | 1.31 | 17.63 | -91.77 | -- | 6.99 | -- |
| Fulton Financial Corp | 1.62bn | 381.36m | 3.99bn | 3.40k | 10.54 | 1.13 | 12.20 | 3.00 | 2.08 | 2.08 | 7.16 | 19.40 | -- | -- | -- | -- | 1.22 | 1.08 | -- | -- | -- | -- | 29.82 | 27.38 | -- | -- | -- | 38.90 | 2.19 | 16.83 | 36.94 | 16.74 | -- | 7.02 |
| Independent Bank Corp (Massachusetts) | 1.02bn | 205.12m | 4.17bn | 1.84k | 18.62 | 1.14 | 25.35 | 4.79 | 4.45 | 4.45 | 18.58 | 72.41 | -- | -- | -- | -- | 0.9263 | 1.05 | -- | -- | -- | -- | 23.92 | 29.07 | -- | -- | -- | 50.19 | 19.89 | 20.52 | 6.79 | 12.01 | -- | 5.33 |
| United Community Banks Inc | 1.38bn | 318.18m | 4.22bn | 3.06k | 13.19 | 1.14 | -- | 3.92 | 2.62 | 2.62 | 8.76 | 30.17 | -- | -- | -- | -- | 1.18 | 1.07 | -- | -- | -- | -- | 30.86 | 29.19 | -- | -- | -- | 39.32 | 0.3773 | 19.90 | 30.07 | 14.84 | -- | 6.36 |
| Texas Capital Bancshares Inc | 1.77bn | 312.99m | 4.55bn | 1.79k | 14.83 | 1.34 | 12.20 | 3.55 | 6.80 | 6.80 | 27.22 | 82.06 | -- | -- | -- | -- | 1.06 | 0.7543 | -- | -- | -- | -- | 26.30 | 21.93 | -- | -- | -- | 0.00 | 2.44 | 11.26 | 419.42 | 40.81 | 35.07 | -- |
| ServisFirst Bancshares Inc | 990.43m | 276.54m | 4.69bn | 650.00 | 17.02 | 2.54 | 24.30 | 8.36 | 5.06 | 5.06 | 10.29 | 33.86 | -- | -- | -- | -- | 1.58 | 1.49 | -- | -- | -- | -- | 49.18 | 48.59 | -- | -- | -- | 25.89 | 4.68 | 20.55 | 21.73 | 10.28 | -- | 13.82 |
| Associated Banc-Corp | 2.16bn | 163.70m | 4.70bn | 4.00k | 29.70 | 0.9782 | 20.45 | 3.94 | 0.928 | 0.928 | 7.07 | 29.34 | -- | -- | -- | -- | 0.4062 | 0.7126 | -- | -- | -- | -- | 15.15 | 23.27 | -- | -- | -- | 49.53 | 8.41 | 12.60 | -34.89 | -18.55 | -7.78 | 5.22 |
| PennyMac Financial Services Inc | 3.01bn | 501.08m | 4.71bn | 5.03k | 9.83 | 1.11 | 10.93 | 1.58 | 9.31 | 9.31 | 55.87 | 82.77 | 0.1084 | -- | 59.32 | -- | 1.81 | 2.19 | 3.08 | 3.57 | 68.06 | 76.43 | 16.66 | 18.26 | -- | -- | 0.7841 | 9.83 | 24.62 | -5.44 | 60.90 | -21.18 | -- | 17.32 |
| Federal Home Loan Mortgage Corp | 127.96bn | -34.00m | 4.79bn | 8.08k | -- | -- | -- | 0.036 | -0.0105 | -0.0105 | 39.57 | 103.99 | 0.0376 | -- | -- | 15,844,480.00 | 0.3282 | 0.3426 | 0.3333 | 0.351 | 101.14 | -- | 8.73 | 11.52 | -- | 1.13 | 0.9804 | 0.00 | 13.09 | 9.87 | 103.01 | -- | -- | -- |
| First Financial Bankshares Inc | 702.48m | 253.59m | 4.82bn | 1.40k | 18.92 | 2.50 | 25.13 | 7.58 | 1.77 | 1.77 | 4.40 | 13.39 | -- | -- | -- | -- | 1.72 | 1.72 | -- | -- | -- | -- | 40.15 | 41.85 | -- | -- | -- | 42.07 | 11.70 | 14.04 | 13.45 | 4.65 | -- | 8.16 |
| Eastern Bankshares Inc | 1.16bn | 88.21m | 5.07bn | 1.81k | 52.58 | 1.16 | 240.91 | 6.98 | 0.4074 | 0.4074 | 3.55 | 18.42 | -- | -- | -- | -- | 0.3142 | 0.4109 | -- | -- | -- | -- | 12.21 | 16.23 | -- | -- | -- | 87.00 | 22.97 | 23.01 | -26.23 | 31.14 | -- | -- |
Data as of Feb 12 2026. Currency figures normalised to United Community Banks Inc's reporting currency: US Dollar USD
53.25%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 16.24m | 13.36% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 13.52m | 11.13% |
| Fidelity Management & Research Co. LLCas of 30 Sep 2025 | 6.35m | 5.22% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 6.06m | 4.98% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 5.99m | 4.93% |
| Neuberger Berman Investment Advisers LLCas of 30 Sep 2025 | 5.26m | 4.33% |
| EARNEST Partners LLCas of 30 Sep 2025 | 3.66m | 3.01% |
| Geode Capital Management LLCas of 30 Sep 2025 | 2.90m | 2.38% |
| FIAM LLCas of 30 Sep 2025 | 2.56m | 2.10% |
| Nomura Investment Management Business Trustas of 30 Sep 2025 | 2.21m | 1.82% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
