Touchstone
Last syncNov 1, 2026, 6:55 PM ET

UCB

United Community Banks Inc Financials State Commercial Banks Russell 3000
$36.73Close $4.4BMarket cap $28.27 – $37.2352-week range Jan 19, 2027Next report · estimated

Highlights

Strengths

  • Near its high 1% below its 52-week high
  • Earnings growing EPS +48% year on year, faster than the quarter before (+31 pts)

Cautions

  • Trend not confirmed 6 of 8 conditions · under 30% off the low, RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 5, 2026
Off 12-month high 1%
1wk down 0.7% price change
1mo up 10.1% price change
12-month return up 28% market up 11% · its own up 18%
F-score — — Not assessed
Altman Z — Unknown
P/E 13.5× price / earnings
PEG 0.48 P/E / EPS growth
P/B 1.2× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 12% year on year
EPS growth up 48% latest quarter · +31 pts
Sales growth up 7% latest quarter · -4 pts
ROE up 9% return on equity
Free cash margin —
D/E 0.03 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 53% ($0.3B → $0.1B)

Trade setup

ATR% 2.1% $0.77 a day · 2×ATR $35.18
RS 63 / 99 vs the universe
Trend 6 / 8 under 30% off the low, RS under 70
Relative volume 1.1× vs 50-day average
Up/down volume 1.05 50 sessions
Implied move — no scheduled report
Trend template · 6 of 8
  • At least 30% above the 52-week low: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 20, 2026
Results reaction Oct 20, 2026+5% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $1.1B +12% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $577.4M FY2021 · $744.4M FY2022 · $826.2M FY2023 · $893.2M FY2024 · $952.1M FY2025 · $1.1B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $328.1M +30% on FY2024
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $164.1M FY2021 · $269.8M FY2022 · $277.5M FY2023 · $187.5M FY2024 · $252.4M FY2025 · $328.1M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 31%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 28% FY2021 · Net 36% FY2022 · Net 34% FY2023 · Net 21% FY2024 · Net 27% FY2025 · Net 31%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $2.5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $1.6B · Long-term debt $327.0M FY2021 · Cash $2.3B · Long-term debt $247.4M FY2022 · Cash $646.9M · Long-term debt $324.7M FY2023 · Cash $1.0B · Long-term debt $324.8M FY2024 · Cash $519.9M · Long-term debt $254.2M FY2025 · Cash $395.8M · Long-term debt $120.4M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 120.60m +39.1% since FY2020
120.60m 86.68m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 86.68m FY2021 · 89.35m FY2022 · 106.22m FY2023 · 119.01m FY2024 · 119.36m FY2025 · 120.60m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $577.4M $744.4M $826.2M $893.2M $952.1M $1.1B
Net income $164.1M $269.8M $277.5M $187.5M $252.4M $328.1M
Net margin 28% 36% 34% 21% 27% 31%
Earnings per share $1.97 $3.06 $2.60 $1.59 $2.11 $2.70
Cash $1.6B $2.3B $646.9M $1.0B $519.9M $395.8M
Long-term debt $327.0M $247.4M $324.7M $324.8M $254.2M $120.4M
Shareholders' equity $2.0B $2.2B $2.7B $3.3B $3.4B $3.6B
Shares outstanding 86.68m 89.35m 106.22m 119.01m 119.36m 120.60m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 5, 2026 Quarterly ↗ Jun 30, 2026 36d
May 6, 2026 Quarterly ↗ Mar 31, 2026 36d
Feb 17, 2026 Annual ↗ Dec 31, 2025 48d
Nov 7, 2025 Quarterly ↗ Sep 30, 2025 38d
Aug 8, 2025 Quarterly ↗ Jun 30, 2025 39d
May 9, 2025 Quarterly ↗ Mar 31, 2025 39d
Feb 27, 2025 Annual ↗ Dec 31, 2024 58d
Nov 8, 2024 Quarterly ↗ Sep 30, 2024 39d
Aug 9, 2024 Quarterly ↗ Jun 30, 2024 40d
May 9, 2024 Quarterly ↗ Mar 31, 2024 39d
Feb 23, 2024 Annual ↗ Dec 31, 2023 54d
Nov 3, 2023 Quarterly ↗ Sep 30, 2023 34d

Current reports

FiledDisclosed
Oct 20, 2026 Results · Regulation FD ↗
Sep 8, 2026 Regulation FD ↗
Sep 8, 2026 Regulation FD ↗
Sep 1, 2026 Other events ↗
Aug 19, 2026 Director or officer change · Regulation FD ↗
Aug 3, 2026 Director or officer change · Regulation FD ↗
Aug 3, 2026 Other events ↗
Jul 21, 2026 Results · Regulation FD ↗
Jul 10, 2026 Other events ↗
Jun 12, 2026 Material agreement · Regulation FD ↗
May 15, 2026 Shareholder vote ↗
Apr 28, 2026 Director or officer change · Regulation FD ↗