UCB
ACHAT TOTAL: 2 101 titres (~74 270,35 $ US)
- Insiders
- Carande Carl Steven
- Total bought
- $74,270
- Total sold
- —
- Last activity
- 2026-08-10
- Last synced
-
2026-08-16 09:56:14
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bullish signal Scored 2026-08-11
UCB presents a solid liquidity profile (score: 90) and improving fundamentals (score: 75), supported by a meaningful insider buy shortly after the Peach State Bancshares merger completion — a constructive event-driven…
The first sentence of the analysis written for UCB on 2026-08-11 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 66.0% | 59.4% | 60.6% | 86.6% | 101.1% | |
| Ebit Margin | 27.5% | 21.8% | 18.0% | 38.3% | 48.6% | |
| Ebitda Margin | 29.7% | 24.6% | 21.5% | 43.4% | 48.3% | |
| Operating Profit Margin | 27.5% | 21.8% | 18.0% | 38.3% | 48.6% | |
| Pretax Profit Margin | 27.5% | 21.8% | 18.0% | 38.3% | 48.6% | |
| Continuous Operations Profit Margin | 21.3% | 17.0% | 14.5% | 29.9% | 37.7% | |
| Net Profit Margin | 21.4% | 17.0% | 14.5% | 29.9% | 37.7% | |
| Bottom Line Profit Margin | 20.7% | 16.5% | 14.0% | 29.0% | 36.5% | |
| Current Ratio | 47.494 | 0.213 | 0.190 | 0.205 | 0.370 | |
| Quick Ratio | 47.494 | 0.213 | 0.190 | 0.205 | 0.370 | |
| Solvency Ratio | 0.015 | 0.012 | 0.010 | 0.015 | 0.014 | |
| Cash Ratio | 2.383 | 0.022 | 0.043 | 0.025 | 0.124 | |
| Price To Earnings Ratio | 11.871 | 15.838 | 19.000 | 13.413 | 12.101 | |
| Price To Earnings Growth Ratio | 0.410 | 0.488 | -0.489 | -0.885 | 0.218 | |
| Forward Price To Earnings Growth Ratio | 0.410 | 0.488 | -0.489 | -0.885 | 0.218 | |
| Price To Earnings Diluted Ratio | 11.916 | 15.838 | 19.000 | 13.413 | 12.101 | |
| Price To Earnings Diluted Growth Ratio | 0.419 | 0.488 | -0.489 | -0.885 | 0.218 | |
| Price To Book Ratio | 1.044 | 1.128 | 1.055 | 1.335 | 1.422 | |
| Price To Sales Ratio | 2.471 | 2.614 | 2.665 | 3.881 | 4.413 | |
| Price To Free Cash Flow Ratio | 9.317 | 12.786 | 15.536 | 6.385 | 9.496 | |
| Price To Operating Cash Flow Ratio | 8.726 | 11.066 | 11.705 | 5.936 | 8.796 | |
| Debt To Assets Ratio | 0.007 | 0.016 | 0.012 | 0.050 | 0.012 | |
| Debt To Equity Ratio | 0.056 | 0.131 | 0.100 | 0.442 | 0.111 | |
| Debt To Capital Ratio | 0.053 | 0.116 | 0.091 | 0.306 | 0.100 | |
| Long Term Debt To Capital Ratio | 0.032 | 0.069 | 0.091 | 0.245 | 0.100 | |
| Financial Leverage Ratio | 7.696 | 8.077 | 8.369 | 8.890 | 9.426 | |
| Working Capital Turnover Ratio | -0.210 | -0.079 | -0.073 | -0.067 | -0.065 | |
| Operating Cash Flow Ratio | 5.121 | 0.015 | 0.013 | 0.030 | 0.019 | |
| Operating Cash Flow Sales Ratio | 0.283 | 0.236 | 0.228 | 0.654 | 0.502 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.937 | 0.865 | 0.753 | 0.930 | 0.926 | |
| Debt Service Coverage Ratio | 0.648 | 0.394 | 0.554 | 0.856 | 8.997 | |
| Interest Coverage Ratio | 0.891 | 0.587 | 0.555 | 5.855 | 11.686 | |
| Short Term Operating Cash Flow Coverage Ratio | 5.121 | 1.794 | 0.000 | 1.911 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 2.119 | 0.779 | 0.905 | 0.509 | 1.453 | |
| Capital Expenditure Coverage Ratio | 15.784 | 7.434 | 4.056 | 14.221 | 13.568 | |
| Dividend Paid And Capex Coverage Ratio | 2.886 | 2.111 | 1.596 | 4.450 | 3.583 | |
| Dividend Payout Ratio | 0.376 | 0.470 | 0.596 | 0.338 | 0.273 | |
| Enterprise Value Multiple | 8.327 | 10.440 | 9.953 | 10.643 | 3.229 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 66.0% | ▲6.6% | ▼-8.7% |
| Ebit Margin | 27.5% | ▲5.7% | ▼-3.4% |
| Ebitda Margin | 29.7% | ▲5.1% | ▼-3.8% |
| Operating Profit Margin | 27.5% | ▲5.7% | ▼-3.4% |
| Pretax Profit Margin | 27.5% | ▲5.7% | ▼-3.4% |
| Continuous Operations Profit Margin | 21.3% | ▲4.3% | ▼-2.7% |
| Net Profit Margin | 21.3% | ▲4.3% | ▼-2.7% |
| Bottom Line Profit Margin | 20.7% | ▲4.2% | ▼-2.6% |
| Current Ratio | 47.494 | ▲47.281 | ▲37.800 |
| Quick Ratio | 47.494 | ▲47.281 | ▲37.800 |
| Solvency Ratio | 0.015 | ▲0.003 | ▲0.002 |
| Cash Ratio | 2.383 | ▲2.361 | ▲1.864 |
| Price To Earnings Ratio | 11.871 | ▼-3.967 | ▼-2.574 |
| Price To Earnings Growth Ratio | 0.410 | ▼-0.077 | ▲0.462 |
| Forward Price To Earnings Growth Ratio | 0.410 | ▼-0.077 | ▲0.462 |
| Price To Earnings Diluted Ratio | 11.916 | ▼-3.922 | ▼-2.538 |
| Price To Earnings Diluted Growth Ratio | 0.419 | ▼-0.069 | ▲0.469 |
| Price To Book Ratio | 1.044 | ▼-0.084 | ▼-0.153 |
| Price To Sales Ratio | 2.471 | ▼-0.143 | ▼-0.737 |
| Price To Free Cash Flow Ratio | 9.317 | ▼-3.469 | ▼-1.387 |
| Price To Operating Cash Flow Ratio | 8.726 | ▼-2.340 | ▼-0.520 |
| Debt To Assets Ratio | 0.007 | ▼-0.009 | ▼-0.012 |
| Debt To Equity Ratio | 0.056 | ▼-0.074 | ▼-0.112 |
| Debt To Capital Ratio | 0.053 | ▼-0.062 | ▼-0.080 |
| Long Term Debt To Capital Ratio | 0.032 | ▼-0.037 | ▼-0.075 |
| Financial Leverage Ratio | 7.696 | ▼-0.381 | ▼-0.796 |
| Working Capital Turnover Ratio | -0.210 | ▼-0.131 | ▼-0.111 |
| Operating Cash Flow Ratio | 5.121 | ▲5.106 | ▲4.082 |
| Operating Cash Flow Sales Ratio | 0.283 | ▲0.047 | ▼-0.097 |
| Free Cash Flow Operating Cash Flow Ratio | 0.937 | ▲0.071 | ▲0.054 |
| Debt Service Coverage Ratio | 0.648 | ▲0.255 | ▼-1.642 |
| Interest Coverage Ratio | 0.891 | ▲0.305 | ▼-3.023 |
| Short Term Operating Cash Flow Coverage Ratio | 5.121 | ▲3.328 | ▲3.356 |
| Operating Cash Flow Coverage Ratio | 2.119 | ▲1.341 | ▲0.966 |
| Capital Expenditure Coverage Ratio | 15.784 | ▲8.350 | ▲4.771 |
| Dividend Paid And Capex Coverage Ratio | 2.886 | ▲0.775 | ▼-0.039 |
| Dividend Payout Ratio | 0.376 | ▼-0.094 | ▼-0.035 |
| Enterprise Value Multiple | 8.327 | ▼-2.113 | ▼-0.192 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $3.80B | $3.87B | $3.44B | $3.61B | $3.16B | |
| Enterprise value | $3.80B | $3.80B | $2.76B | $4.29B | $1.12B | |
| EV / Sales | 2.47x | 2.57x | 2.14x | 4.61x | 1.56x | |
| EV / Op. cash flow | 8.73x | 10.86x | 9.40x | 7.06x | 3.11x | |
| EV / Free cash flow | 9.32x | 12.55x | 12.47x | 7.59x | 3.35x | |
| EV / EBITDA | 8.33x | 10.44x | 9.95x | 10.64x | 3.23x | |
| Net debt / EBITDA | 0.01x | -0.19x | -2.45x | 1.69x | -5.91x | |
| Current ratio | 47.49x | 0.21x | 0.19x | 0.20x | 0.37x | |
| Income quality | 1.33x | 1.39x | 1.57x | 2.19x | 1.33x | |
| Graham number | $43 | $37 | $32 | $38 | $42 | |
| Graham net-net | -$167 | -$161 | -$167 | -$161 | -$135 | |
| Tax burden | 77.7% | 78.1% | 80.6% | 77.9% | 77.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $3.95B | -$18.61B | -$18.89B | -$16.29B | -$11.62B | |
| Invested capital | $5.35B | -$17.26B | -$17.52B | -$15.22B | -$10.90B | |
| Return on assets | 1.2% | 0.9% | 0.7% | 1.2% | 1.3% | |
| Operating ROA | 1.5% | 1.2% | 0.9% | 1.6% | 1.8% | |
| Return on tangible assets | 1.2% | 0.9% | 0.7% | 1.2% | 1.3% | |
| Return on equity | 9.0% | 7.4% | 5.8% | 10.3% | 12.1% | |
| Return on invested capital | 1.2% | 5.9% | 4.7% | 7.2% | 10.8% | |
| Return on capital employed | 1.5% | 7.9% | 5.8% | 10.1% | 13.9% | |
| Earnings yield | 8.6% | 6.5% | 5.5% | 7.7% | 8.5% | |
| Free cash flow yield | 10.7% | 7.8% | 6.4% | 15.7% | 10.5% | |
| Capex / Op. cash flow | 6.3% | 13.5% | 24.7% | 7.0% | 7.4% | |
| Capex / Depreciation | 60.0% | 114.9% | 161.2% | 91.4% | -1283.7% | |
| Capex / Sales | 1.8% | 3.2% | 5.6% | 4.6% | 3.7% | |
| SG&A / Sales | 25.1% | 25.0% | 27.5% | 31.7% | 35.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.7% | 0.7% | 0.9% | 0.9% | |
| Intangibles / Total assets | 3.5% | 3.5% | 3.6% | 3.2% | 2.3% | |
| Days sales outstanding | 20d | 21d | 25d | 29d | 22d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 20d | 21d | 25d | 29d | 22d | |
| Cash conversion cycle | 20d | 21d | 25d | 29d | 22d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-1.8%EV / Sales ▼-3.6%EV / EBITDA ▼-20.2%EV / Op. cash flow ▼-2.131Earnings yield ▲+0.021Graham number ▲+5.743
Profitability
Return on equity ▲+0.017Return on assets ▲+0.003Return on invested capital ▼-0.048Return on capital employed ▼-0.064Operating ROA ▲+0.003Income quality ▼-0.067Tax burden ▼-0.005
Efficiency
Days sales outstanding ▼-1.266Days payables outstanding n/aOperating cycle ▼-1.266Cash conversion cycle ▼-1.266Capex / Sales ▼-0.014R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+47.281Net debt / EBITDA ▲+0.200Working capital ▲+22566201000.000Invested capital ▲+22613935000.000Intangibles / Total assets +0.000
Change over 5 years
Valuation
Market cap ▲+20.2%EV / Sales ▲+58.7%EV / EBITDA ▲+157.8%EV / Op. cash flow ▲+5.626Earnings yield ▲+0.001Graham number ▲+0.834
Profitability
Return on equity ▼-0.031Return on assets ▼-0.001Return on invested capital ▼-0.096Return on capital employed ▼-0.124Operating ROA ▼-0.003Income quality ▼-0.005Tax burden ▲+0.001
Efficiency
Days sales outstanding ▼-2.069Days payables outstanding n/aOperating cycle ▼-2.069Cash conversion cycle ▼-2.069Capex / Sales ▼-0.019R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+47.124Net debt / EBITDA ▲+5.919Working capital ▲+15572694000.000Invested capital ▲+16253632000.000Intangibles / Total assets ▲+0.012
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-14 Dividend Champion, Contender, And Challenger Highlights: Week August 16 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-08-13 United Community Names Sean Simpson Chief Commercial Banking Officer GREENVILLE, S.C., Aug. 13, 2026 /PRNewswire/ -- United Community announced Sean Simpson has joined the bank as chief commercial banking officer, bringing proven leadership and industry expertise.
- 2026-08-13 United Community Banks, Inc. Announces Quarterly Cash Dividend on Common Stock GREENVILLE, S.C., Aug. 13, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) (the “Company”) reported that its Board of Directors approved a 4% increase in the quarterly cash dividend on the Company''s common stock, raising the dividend to $0.26 per share. The dividend is payable on October 5, 2026, to shareholders of record as of September 15, 2026.
- 2026-08-11 United Community Banks (UCB) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does United Community Banks (UCB) have what it takes?
- 2026-08-03 United Community Banks, Inc. Appoints Industry Veteran Carl S. Carande to Board of Directors GREENVILLE, S.C., Aug. 3, 2026 /PRNewswire/ -- United Community Banks, Inc. (NYSE: UCB) ("United") is pleased to announce the appointment of Carl S.
- 2026-08-03 United Community Banks, Inc. Announces Completion Of Merger With Peach State Bancshares, Inc., The Parent Company Of Peach State Bank & Trust GREENVILLE, S.C., Aug. 03, 2026 (GLOBE NEWSWIRE) -- United Community Banks, Inc. (NYSE: UCB) (“United”) completed its merger with Peach State Bancshares, Inc. (“Peach State”) effective August 1, 2026 whereby Peach State merged with and into United with United continuing as the surviving company (the “Merger”). Immediately following the Merger, Peach State''s wholly-owned subsidiary, Peach State Bank & Trust (“Peach State Bank”), was merged with and into United''s wholly-owned bank subsidiary, United Community Bank (“United Community”). Peach State Bank will operate under the United Community brand after all core systems, signage, and branding are converted to those of United Community, which is expected to occur in the first quarter of 2027.
- 2026-07-30 UCB shares fall despite guidance upgrade as investors question earnings quality Belgian biopharmaceutical group UCB raised its 2026 earnings guidance on Thursday, but its shares fell more than 8% as investors focused on weaker-than-expected sales of flagship drug Bimzelx and questioned the quality of the earnings upgrade.
- 2026-07-27 California Public Employees Retirement System Purchases 29,332 Shares of United Community Banks, Inc. $UCB California Public Employees Retirement System lifted its position in shares of United Community Banks, Inc. (NYSE: UCB) by 13.6% during the first quarter, according to its most recent disclosure with the Securities and Exchange Commission. The firm owned 244,690 shares of the company''s stock after purchasing an additional 29,332 shares during the quarter.
- 2026-07-23 Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does United Community Banks (UCB) have what it takes?
- 2026-07-21 United Community Banks Is Finally Worth Banking On (Upgrade) United Community Banks, Inc. is upgraded from Hold to a soft Buy as transformation efforts and core growth gain traction. Q2 2026 saw net interest income rise to $270.7M, with robust asset quality and return metrics exceeding peers. Strategic divestiture of non-core equipment finance and the Peach State Bank & Trust acquisition enhance capital, liquidity, and regional growth.