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. The company accepts various deposit products, including checking, savings, money market, and other deposit accounts. It 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, the company originate loans partially guaranteed by the SBA and USDA loan programs. Further, it 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, the company offers reinsurance on a property insurance contract; insurance agency services; brokerage services; and payment processing, merchant, wire transfer, private banking, and other related financial services. It operates through a network of 171 branches in Florida, Georgia, North Carolina, South Carolina, and Tennessee. United Community Banks, Inc. was founded in 1950 and is headquartered in Blairsville, Georgia.

United Community Banks, Inc.

Since 1950, United Community has been dedicated to providing best-in-class service to our customers as the foundation of every relationship. 
 
We’re proud to have won several awards for our service. In eight of the last ten  years, J.D. Power ranked United highest in customer satisfaction with retail banking in the Southeast. Forbes included United in its inaugural list of the World’s Best Banks in 2019, and again in 2020, 2022 and 2023. We were also recognized on the Forbes 2020 list of the 100 Best Banks in America for the seventh consecutive year. We received five Greenwich Excellence Awards in 2019 for excellence in Small Business Banking and Middle Market Banking, including a national award for Overall Satisfaction in Small Business Banking.  

We’re honored to be recognized as a great place to work, too. In 2020, we were designated one of the Top Workplaces in South Carolina (Greenville Business Magazine) and Atlanta (Atlanta Journal-Constitution).
 
With more than 200 banking locations throughout Alabama, Georgia, North Carolina, South Carolina, Tennessee, and Florida, we provide a full range of consumer and commercial banking products to fit your unique needs. If you want a better banking experience, visit your local United Community today and allow our team to deliver the personal attention you deserve. 
 
Visit ucbi.com to learn more about the products and services we offer. 
 
Before engaging with our online community (including our social media channels), please refer to our Community Guidelines:
ucbi.com/social-media

The social media policy covers acceptable use by the public and our employees in conjunction with our Privacy Policy:
ucbi.com/privacy-policy

Equal Housing Lender | Member FDIC.

United Community

January 2024 saw the U.S. job market surge with 353,000 new jobs, significantly surpassing initial forecasts. The unemployment rate remains stable at 3.7%, while a notable increase in hourly earnings suggests robust economic health. Gain insights from our Chief Investment Officer, Philip Rich, as he analyzes the implications of this data on future Federal Reserve rate decisions.

#EconomicData #JobsReport #UnitedCommunity #FinancialAnalysis

We kicked off Charlotte's inaugural United Community Junior Board this week at South Mecklenburg High School.  This class is full of community leaders!  Thank you Geordan Miller, MBA for leading the initiative and Austin Hailey for sharing your career path with the students.  Much more to come as the program runs it course through the school year.

It was my honor to be accepted into United Community's 2024 Leadership Academy.  Alumni from prior classes have shared with me how impactful Leadership Academy had been for them in their career and encouraged me to apply this year.   Last week we kicked off with dinner and an inspiring message on #leadership by Richard Bradshaw followed by an insightful day with Gail DePriest from #clemsonuniversity on the topic of Leading and Motivating, with an emphasis on self-awareness.  

I am excited to learn from, and alongside, many of United Community's finest and fellow members of the 2024 class - Amber Holden, Andrew Shull, April Irwin, CAMS, CFCS, April James, Brice Sprayberry, christopher K., Chris Shinpaugh, Christopher Huey, Darren West, David C. Glenn, Elizabeth Boggess, Hannah Coffey, Jake Partin, Bucy Jami, Jason Boskey, CPA, FRM, Jeff Waddail, Kristin Couch, CRCM, Lauren Dubois, Lauren Mcelveen, Lane Redding, Michele Roark, Scott Toth, Stephanie Sharp, and Steve Borecky.  

Huge thank you to Moryah Jackson and Tricia Thompson for pulling off all of the planning, coordination, and setup for a successful launch event last week.

Happy Valentine’s Day from the United Community Athens and Watkinsville teams! ❤️

“Valentine’s Day reminds us that every human benefits from hearing, knowing, and being shown love. I don’t want to assume others know - I want to make sure there’s no room for doubt.” -@cleerlystated

Happy Valentine’s Day from the Athens United Community branch!

Metric
Company Name	United Community Banks, Inc.
Symbol	UCBI
MSH ID	COM:UCBI
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	3.07K
Website	ucbi.com
LinkedIn	unitedcommunity
Founders

Metric
Market Cap	3.06B
Enterprise Value
Monthly Web Traffic	627.76K
Web Traffic Growth	-0.04
Valuation
Raised Capital

Metric
Revenue	1.31B
Revenue (LTM)
Revenue (NTM)
Gross Profit	1.31B
EBITDA	14.14M
Operating Income	-1.03M
Net Income	187.54M
EPS	1.54
Diluted EPS	1.54
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.84
Operating Profit Margin	0.38
EBITDA Margin	0.01
Net Profit Margin	0.19
Return on Equity	0.06
Return on Assets	0.01
Return on Capital Employed	0.04

COM:UCBI

United Community Banks, Inc.

Last Close

28.76

05/08 20:00

Market Cap

3.06B

Beta: -

Volume Today

742.86K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	12.61
P/B Ratio	1.01
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	3.12
EV Multiple	58.18

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding	138.03
Operating Cycle	169.69
Cash Conversion Cycle	169.69
Asset Turnover	0.05

Metric
Operating Cash Flow	293.97M
Free Cash Flow	221.49M
Cash Flow to Debt	0.92
Operating Cash Flow/Sales	0.29
Free Cash Flow Yield	0.07

Metric
Cash & Equivalents	1.00B
Accounts Receivable
Inventory	113.00M
Goodwill	919.91M
Debt to Capitalization	0.09
Debt to Assets	0.01
Current Ratio	105.54
Quick Ratio	0.35

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.34