Financial Services
Live Price
Offline$32.85
+0.89% today
1Y Change
+20.83%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
United Community Banks, Inc. (UCB) is a Financial Services stock with a market cap of $4.01B and listed on NYSE. The stock last traded around $32.85 and up 20.8% across the available one-year price window (Jun 23, 2025 → Jun 12, 2026). Baseline metrics include revenue growth of +3.8%, EPS growth of +28.9%, a dividend yield of 3.0%. What stands out right now is revenue +3.8%, EPS +28.9%, free cash flow +34.7% with operating margin 28.4% and ROIC 1.2%. The dividend matters to the case here, with a current yield around 3.0%. Valuation is more restrained than many high-expectation growth names at P/E 11.8 and price/sales 2.6. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines UCB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UCB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UCB Max Drawdown
-18.63%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UCB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$716.3M
-22.9% YoY
FY Net Income
$269.8M
-2.8% YoY
Free Cash Flow
$332.8M
-41.0% YoY
Revenue Growth
+3.8%
EPS Growth
+28.9%
Gross Margin
68.0%
Net Margin
22.0%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 1.5B | 1.5B | 1.3B | 929M | 716M |
| Gross Profit | 1.0B | 879M | 783M | 804M | 724M |
| Operating Income | 422M | 323M | 233M | 356M | 348M |
| EBITDA | 457M | 364M | 278M | 403M | 346M |
| Net Income | 328M | 252M | 188M | 277M | 270M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 203M | 520M | 1.0B | 512M | 2.3B |
| Total Assets | 28.0B | 27.7B | 27.3B | 24.0B | 20.9B |
| Total Liabilities | 24.4B | 24.3B | 24.0B | 21.3B | 18.7B |
| Shareholder Equity | 3.6B | 3.4B | 3.3B | 2.7B | 2.2B |
| Total Debt | 205M | 449M | 325M | 1.2B | 247M |
| Net Debt | 3M | -71M | -679M | 681M | -2.0B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
359M
-40.8% YoY
Capital Expenditures
26M
+38.0% YoY
Free Cash Flow
333M
-41.0% YoY
Key ratios
Gross Margin
68.0%
Operating Margin
28.4%
Net Margin
22.0%
ROE
9.4%
Debt / Equity
0.03x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.