United Community Banks Financial Ratios
NYSE: UCBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
United Community Banks ratio analysis
United Community Banks earned a net margin of 30.9% in FY 2025, up from 26.5% a year earlier. Return on equity reached 9.0%, meaning United Community Banks generated 0.09 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.06 versus 0.13 the year before.
At the end of FY 2025, UCB traded at 12.0 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 11.0 to 30.6, with a median of 14.2. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
United Community Banks financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 12.00 | 15.61 | 19.00 | 13.41 | 12.10 | 14.89 | 13.35 | 11.04 | 30.59 | 21.16 |
| Price / sales | 3.59 | 4.01 | 3.85 | 4.36 | 4.25 | 4.10 | 4.38 | 3.49 | 4.68 | 5.27 |
| Price / book | 1.05 | 1.11 | 1.06 | 1.33 | 1.42 | 1.18 | 1.50 | 1.25 | 1.58 | 1.98 |
| Net margin | 30.9% | 26.5% | 21.0% | 33.6% | 36.2% | 28.4% | 33.1% | 31.8% | 15.4% | 24.9% |
| Free cash flow margin | 33.5% | 31.8% | 24.8% | 68.3% | 44.7% | 24.3% | 23.7% | 48.3% | 42.2% | 30.3% |
| Return on equity (ROE) | 9.0% | 7.4% | 5.8% | 10.3% | 12.1% | 8.2% | 11.4% | 11.4% | 5.2% | 9.4% |
| Return on assets (ROA) | 1.2% | 0.9% | 0.7% | 1.2% | 1.3% | 0.9% | 1.4% | 1.3% | 0.6% | 0.9% |
| Debt / equity | 0.06 | 0.13 | 0.10 | 0.18 | 0.11 | 0.16 | 0.13 | 0.18 | 0.13 | 0.00 |
| Revenue growth | 11.7% | 6.6% | 8.1% | 11.0% | 28.9% | 2.9% | 7.4% | 18.6% | 8.9% | 23.9% |
| EPS growth | 28.4% | 32.5% | -38.9% | -15.2% | 55.5% | -17.3% | 11.6% | 125.0% | -34.3% | 28.4% |