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UCB UNITED COMMUNITY BANKS INC

Trailing twelve months to 2026-06-30 · as filed 2026-08-05, not restated
Financials

Scale

Market cap
$4.2bn
Revenue TTM
$1.1bn
Net income TTM
$378m
Free cash flow
$361m
Composite score
60.0
Sector rank
#1204

Valuation

P / E
11.1
EV / EBITDA
EV / sales
4.1
FCF yield
8.64%
Earnings yield vs 10-yr
4.31pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
34.0%
EBITDA margin
ROE
10.1%
ROIC
Revenue growth
16.9%

Insider activity, last 90 days

Net open-market
$-0.86m
Buyers
1
Sellers
2

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

See Note 13 in the Notes to the Financial Statements for further detail. Results of Operations We reported net income and diluted earnings per common share of $116 million and $0.95, respectively, for the second quarter of 2026, compared to $78.7 million and $0.63, respectively, for the same period in 2025. For the six months ended June 30, 2026, we reported net income and diluted earnings per common share of $200 million and $1.65, respectively, compared to $150 million and $1.21, respectively, in the same periods of 2025. Net income - operating for the second quarter and first six months of 2026 was $86.4 million and $171 million, respectively. …UNITED COMMUNITY BANKS INC, 10-Q, period ended 2026-06-30, filed 2026-08-05

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