
NYSEFinancial ServicesBanks - Regional
Latest quote
$33.26
−$0.46 · -1.36%
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
Previous close
$33.26
−$0.46 · -1.36%
After-hours
$33.26
$0.00 · 0.00%
Oct 7, 4:00 PM ET
Regular session · ET · Market data may be delayed.
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
Day range
Current $33.26
52-week range
Current $33.26
Regular session · ET · Market data may be delayed.
GoAI Score
Buy
Valuation
76
Undervalued
Sentiment
62
Bullish
Risk
23
Moderate Risk
Momentum
53
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
United Community Banks, Inc. functions as the parent entity for United Community Bank, through which it delivers a comprehensive array of financial solutions. These offerings cater to a diverse clientele, encompassing commercial enterprises, individual consumers, governmental bodies, educational institutions, and entities within the energy, healthcare, and real estate industries. Its core banking activities include accepting various deposit accounts, such as checking, savings, and money market options. The institution extends a broad spectrum of lending products, including real estate, consumer, and commercial loans. These are provided to individuals, small and mid-sized businesses, and non-profit organizations, encompassing both secured and unsecured options, as well as specialized mortgage financing. Furthermore, it originates loans partially backed by government initiatives like the Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) programs. Beyond traditional banking, United Community Banks offers robust wealth management services, covering financial planning, bespoke portfolio management, and expert investment guidance. This is complemented by trust services for fiduciary asset administration, non-deposit investment alternatives, and a suite of insurance products, including life, long-term care, and tax-deferred annuities. The company also strategically invests its own capital in a range of securities, including residential and commercial mortgage-backed securities, asset-backed securities, U.S. Treasury and agency obligations, and municipal bonds. Additionally, the firm provides an extensive suite of supplementary financial tools, such as treasury management, credit and debit card services, diverse payment and commerce solutions, equipment financing, and dedicated investment advisory and brokerage services. It also facilitates reinsurance for property contracts, operates as an insurance agency, and offers specialized services like payment processing, merchant services, wire transfers, and private banking. Established in 1950, United Community Banks, Inc. maintains its corporate headquarters in Blairsville, Georgia.
Day range
Current $33.26
52-week range
Current $33.26
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.54B USD | 1.48B USD | 1.29B USD | 928.93M USD | 716.27M USD |
| Cost of goods sold | 522.64M USD | 601.32M USD | 508.77M USD | 124.71M USD | −7.79M USD |
| Gross profit | 1.01B USD | 879.09M USD | 782.52M USD | 804.22M USD | 724.06M USD |
| Selling, general, and administrative | 386.52M USD | 369.57M USD | 355.39M USD | 294.48M USD | 254.75M USD |
| Operating expenses | 591.93M USD | 556.09M USD | 549.97M USD | 448.22M USD | 376.3M USD |
| Interest income | 1.38B USD | 1.38B USD | 1.24B USD | 813.16M USD | 578.79M USD |
| Interest expense | 473.83M USD | 550.37M USD | 419.34M USD | 60.8M USD | 29.76M USD |
| Depreciation and amortization | 45.95M USD | 40.93M USD | 44.96M USD | 46.7M USD | −2.06M USD |
| Operating income | 422.41M USD | 323.01M USD | 232.55M USD | 356M USD | 347.76M USD |
| Net income | 328.15M USD | 252.4M USD | 187.54M USD | 277.47M USD | 269.8M USD |
Company facts updated Oct 8, 2026.
Reported history and fiscal-year consensus
Reported history and fiscal-year consensus
Third-party consensus; not a GoAI recommendation.
Average target
$39.67
19.27% upsideCash distributions grouped by calendar year; partial years are marked.
$0.98
2025 complete year+25.6% since 2021
2026 partial: $0.76
$0.78
2,021
$0.86
2,022
$0.92
2,023
$0.94
2,024
$0.98
2,025
$0.76
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Sep 15, 2026 | $0.26Quarterly | Sep 15, 2026 | Oct 5, 2026 |
Dividend | Jun 15, 2026 | $0.25Quarterly | Jun 15, 2026 | Jul 3, 2026 |
Dividend | Mar 13, 2026 | $0.25Quarterly | Mar 13, 2026 | Apr 3, 2026 |
Dividend | Dec 15, 2025 | $0.25Quarterly | Dec 15, 2025 | Jan 5, 2026 |
Dividend | Sep 15, 2025 | $0.25Quarterly | Sep 15, 2025 | Oct 3, 2025 |
Dividend | Jun 13, 2025 | $0.24Quarterly | Jun 15, 2025 | Jul 3, 2025 |
Ex-dividend Sep 15, 2026
$0.26
Quarterly
Record Sep 15, 2026 · Payment Oct 5, 2026
Ex-dividend Jun 15, 2026
$0.25
Quarterly
Record Jun 15, 2026 · Payment Jul 3, 2026
Ex-dividend Mar 13, 2026
$0.25
Quarterly
Record Mar 13, 2026 · Payment Apr 3, 2026
Ex-dividend Dec 15, 2025
$0.25
Quarterly
Record Dec 15, 2025 · Payment Jan 5, 2026
Ex-dividend Sep 15, 2025
$0.25
Quarterly
Record Sep 15, 2025 · Payment Oct 3, 2025
Ex-dividend Jun 13, 2025
$0.24
Quarterly
Record Jun 15, 2025 · Payment Jul 3, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI132.8M0.01%2.3T USD0.03%$381.03-0.40%
iShares Russell 2000 ETFIWM101.45M0.13%78.56B USD0.19%$277.7-1.29%
Vanguard Morningstar Small-Cap ETFVB96.11M0.05%185.3B USD0.03%$286.98-1.41%
U.S. Small Cap Value Portfolio ETF Class SharesDFSV73.48M0.27%26.69B USD0.33%$37.79-1.23%
Schwab International Equity ETFSCHF62.62M0.09%68.57B USD0.03%$27.26-1.23%
Vanguard Morningstar Small-Cap Value ETFVBR60.93M0.09%68.2B USD0.05%$232.17-1.32%
Dimensional - US Targeted Value ETFDFAT55.77M0.18%30B USD0.33%$67.08-1.29%
Vanguard Extended Market ETFVXF48.45M0.05%95.4B USD0.05%$233.49-1.56%
Vanguard Morningstar Total Stock Market ETFVTI
iShares Russell 2000 ETFIWM
Vanguard Morningstar Small-Cap ETFVB
U.S. Small Cap Value Portfolio ETF Class SharesDFSV
Schwab International Equity ETFSCHF
Vanguard Morningstar Small-Cap Value ETFVBR
Dimensional - US Targeted Value ETFDFAT
Vanguard Extended Market ETFVXFAI-generated and delayed market data for informational and educational purposes only. Not investment advice.