United Community Banks, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from United Community Banks, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$29Sales grew 20% in 3 years; of every extra $100 of sales, $29 became extra profit.
Higher than 55% of Financial Services companies in United States.
Asset Productivity Ratio
+20% / +17%In 3 years sales changed by +20% while total assets changed by +17%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 65% of Financial Services companies in United States.
Tangible Net Worth Ratio
73%Of every $100 of net worth, $73 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 67% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
United Community Banks, Inc. owes $0.87 for every $1 it owns. Net profit rose 30% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.2Investors pay $12.2 for every $1 of United Community Banks, Inc.'s yearly profit, lower than 55% of Financial Services companies in United States.
P/B ratio
1.19The share price is 1.19 times United Community Banks, Inc.'s book value per share, lower than 58% of Financial Services companies in United States.
Market cap
$4.5 BThe total market value of all of United Community Banks, Inc.'s shares at today's price (share price × number of shares), larger than 78% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$3.7 BWhat United Community Banks, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$31.27Net worth divided by the number of shares. The share price of $37.23 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
4.1%United Community Banks, Inc. earned 4.1% on its shareholders' money over the last year, lower than 77% of Financial Services companies in United States.
Owes vs Owns
0.87×United Community Banks, Inc. owes $0.87 for every $1 it owns (high), higher than 61% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.90%United Community Banks, Inc. pays 2.90% of its share price as dividends a year, higher than 50% of dividend-paying Financial Services companies in United States.
Revenue growth
+12%Revenue rose 12% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit growth
+30%Net profit rose 30% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit margin
31.5%United Community Banks, Inc. keeps $32 of every $100 of revenue as net profit.
Questions
What is United Community Banks, Inc.'s P/E ratio?
Investors pay $12.2 for every $1 of United Community Banks, Inc.'s yearly profit, lower than 55% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For United Community Banks, Inc.: $4.5 B ÷ $3.7 B (30 Jun 2026) = 1.2.
What is United Community Banks, Inc.'s return on equity?
United Community Banks, Inc. earned 4.1% on its shareholders' money over the last year, lower than 77% of Financial Services companies in United States.
How much does United Community Banks, Inc. owe compared with what it owns?
United Community Banks, Inc. owes $0.87 for every $1 it owns (high), higher than 61% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does United Community Banks, Inc. pay a dividend?
Yes. United Community Banks, Inc. pays 2.90% of its share price as dividends a year, higher than 50% of dividend-paying Financial Services companies in United States.
Is United Community Banks, Inc.'s revenue growing?
Revenue rose 12% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.