United Community Banks, Inc.
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estat… Read more
United Community Banks, Inc. (UCB) - Net Assets
Latest net assets as of September 2025: $3.60 Billion USD
Based on the latest financial reports, United Community Banks, Inc. (UCB) has net assets worth $3.60 Billion USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($28.14 Billion) and total liabilities ($24.55 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $3.60 Billion |
| % of Total Assets | 12.78% |
| Annual Growth Rate | 16.11% |
| 5-Year Change | 70.96% |
| 10-Year Change | 237.05% |
| Growth Volatility | 18.29 |
United Community Banks, Inc. - Net Assets Trend (1996–2024)
This chart illustrates how United Community Banks, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for United Community Banks, Inc. (1996–2024)
The table below shows the annual net assets of United Community Banks, Inc. from 1996 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $3.43 Billion | +5.23% |
| 2023-12-31 | $3.26 Billion | +20.77% |
| 2022-12-31 | $2.70 Billion | +21.53% |
| 2021-12-31 | $2.22 Billion | +10.70% |
| 2020-12-31 | $2.01 Billion | +22.73% |
| 2019-12-31 | $1.64 Billion | +12.22% |
| 2018-12-31 | $1.46 Billion | +11.83% |
| 2017-12-31 | $1.30 Billion | +21.16% |
| 2016-12-31 | $1.08 Billion | +5.64% |
| 2015-12-31 | $1.02 Billion | +37.68% |
| 2014-12-31 | $739.58 Million | -7.06% |
| 2013-12-31 | $795.72 Million | +36.86% |
| 2012-12-31 | $581.40 Million | +1.03% |
| 2011-12-31 | $575.49 Million | -9.45% |
| 2010-12-31 | $635.51 Million | -33.96% |
| 2009-12-31 | $962.32 Million | -2.74% |
| 2008-12-31 | $989.38 Million | +18.93% |
| 2007-12-31 | $831.90 Million | +34.88% |
| 2006-12-31 | $616.77 Million | +30.48% |
| 2005-12-31 | $472.69 Million | +19.04% |
| 2004-12-31 | $397.09 Million | +32.64% |
| 2003-12-31 | $299.37 Million | +35.11% |
| 2002-12-31 | $221.58 Million | +13.83% |
| 2001-12-31 | $194.66 Million | +22.90% |
| 2000-12-31 | $158.39 Million | +32.75% |
| 1999-12-31 | $119.31 Million | +3.42% |
| 1998-12-31 | $115.36 Million | +53.59% |
| 1997-12-31 | $75.11 Million | +43.34% |
| 1996-12-31 | $52.40 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to United Community Banks, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 2226.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $714.14 Million | 20.81% |
| Common Stock | $119.36 Million | 3.48% |
| Other Comprehensive Income | $-212.92 Million | -6.20% |
| Other Components | $2.81 Billion | 81.92% |
| Total Equity | $3.43 Billion | 100.00% |
United Community Banks, Inc. Competitors by Market Cap
The table below lists competitors of United Community Banks, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Mazda Motor Corporation
PINK:MZDAF
|
$3.71 Billion |
|
Yuhan Corp Preferred
KO:000105
|
$3.71 Billion |
|
ASM Pacific Technology Limited
F:AY7A
|
$3.72 Billion |
|
VSE Corporation
NASDAQ:VSEC
|
$3.72 Billion |
|
Hims Hers Health Inc
NYSE:HIMS
|
$3.71 Billion |
|
MIRION TECHNOL. DL-0001
F:55I0
|
$3.71 Billion |
|
ALK-ABELLO AS DK -50
F:4AJ0
|
$3.71 Billion |
|
Anhui Yingliu
SHG:603308
|
$3.71 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in United Community Banks, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,261,525,000 to 3,432,127,000, a change of 170,602,000 (5.2%).
- Net income of 252,397,000 contributed positively to equity growth.
- Dividend payments of 118,609,000 reduced retained earnings.
- Other comprehensive income increased equity by 26,273,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $252.40 Million | +7.35% |
| Dividends Paid | $118.61 Million | -3.46% |
| Other Comprehensive Income | $26.27 Million | +0.77% |
| Other Changes | $10.54 Million | +0.31% |
| Total Change | $- | 5.23% |
Book Value vs Market Value Analysis
This analysis compares United Community Banks, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.09x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.32x to 1.09x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $13.42 | $31.11 | x |
| 1997-12-31 | $23.53 | $31.11 | x |
| 1998-12-31 | $17.96 | $31.11 | x |
| 1999-12-31 | $18.36 | $31.11 | x |
| 2000-12-31 | $23.98 | $31.11 | x |
| 2001-12-31 | $28.71 | $31.11 | x |
| 2002-12-31 | $32.08 | $31.11 | x |
| 2003-12-31 | $40.86 | $31.11 | x |
| 2004-12-31 | $51.26 | $31.11 | x |
| 2005-12-31 | $57.27 | $31.11 | x |
| 2006-12-31 | $71.39 | $31.11 | x |
| 2007-12-31 | $85.91 | $31.11 | x |
| 2008-12-31 | $102.06 | $31.11 | x |
| 2009-12-31 | $79.70 | $31.11 | x |
| 2010-12-31 | $33.58 | $31.11 | x |
| 2011-12-31 | $14.41 | $31.11 | x |
| 2012-12-31 | $10.05 | $31.11 | x |
| 2013-12-31 | $13.52 | $31.11 | x |
| 2014-12-31 | $12.21 | $31.11 | x |
| 2015-12-31 | $15.55 | $31.11 | x |
| 2016-12-31 | $14.96 | $31.11 | x |
| 2017-12-31 | $17.79 | $31.11 | x |
| 2018-12-31 | $18.29 | $31.11 | x |
| 2019-12-31 | $20.52 | $31.11 | x |
| 2020-12-31 | $24.12 | $31.11 | x |
| 2021-12-31 | $25.22 | $31.11 | x |
| 2022-12-31 | $25.29 | $31.11 | x |
| 2023-12-31 | $27.70 | $31.11 | x |
| 2024-12-31 | $28.61 | $31.11 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently United Community Banks, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.35%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 17.05%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.08x
- Recent ROE (7.35%) is above the historical average (4.77%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 15.65% | 21.28% | 0.05x | 15.80x | $2.96 Million |
| 1997 | 14.29% | 19.11% | 0.05x | 15.36x | $3.22 Million |
| 1998 | 13.57% | 0.00% | -0.04x | 15.72x | $4.11 Million |
| 1999 | 13.49% | 14.39% | 0.05x | 19.99x | $4.17 Million |
| 2000 | 9.17% | 10.34% | 0.06x | 15.97x | $-1.32 Million |
| 2001 | 13.99% | 11.68% | 0.08x | 14.12x | $7.76 Million |
| 2002 | 14.79% | 14.62% | 0.07x | 14.49x | $10.62 Million |
| 2003 | 12.73% | 15.53% | 0.06x | 13.59x | $8.18 Million |
| 2004 | 11.73% | 17.53% | 0.05x | 12.81x | $6.88 Million |
| 2005 | 12.00% | 15.39% | 0.06x | 12.41x | $9.47 Million |
| 2006 | 11.16% | 13.93% | 0.07x | 11.51x | $7.14 Million |
| 2007 | 6.97% | 9.48% | 0.07x | 9.87x | $-25.20 Million |
| 2008 | -6.41% | -12.25% | 0.06x | 8.68x | $-162.39 Million |
| 2009 | -23.73% | -50.32% | 0.06x | 8.31x | $-324.56 Million |
| 2010 | -79.05% | -128.92% | 0.05x | 11.71x | $-565.90 Million |
| 2011 | -39.40% | -65.25% | 0.05x | 12.13x | $-284.29 Million |
| 2012 | 5.82% | 10.51% | 0.05x | 11.70x | $-24.28 Million |
| 2013 | 34.33% | 90.31% | 0.04x | 9.33x | $193.57 Million |
| 2014 | 9.14% | 22.24% | 0.04x | 10.23x | $-6.34 Million |
| 2015 | 7.03% | 20.39% | 0.04x | 9.44x | $-30.25 Million |
| 2016 | 9.36% | 23.48% | 0.04x | 9.95x | $-6.92 Million |
| 2017 | 5.20% | 14.62% | 0.04x | 9.14x | $-62.51 Million |
| 2018 | 11.40% | 28.75% | 0.05x | 8.63x | $20.36 Million |
| 2019 | 11.35% | 28.97% | 0.05x | 7.90x | $22.15 Million |
| 2020 | 8.17% | 23.59% | 0.04x | 8.86x | $-36.66 Million |
| 2021 | 12.14% | 37.67% | 0.03x | 9.43x | $47.58 Million |
| 2022 | 10.27% | 29.87% | 0.04x | 8.89x | $7.40 Million |
| 2023 | 5.75% | 14.52% | 0.05x | 8.37x | $-138.61 Million |
| 2024 | 7.35% | 17.05% | 0.05x | 8.08x | $-90.82 Million |
Industry Comparison
This section compares United Community Banks, Inc.'s net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| United Community Banks, Inc. (UCB) | $3.60 Billion | 15.65% | 6.82x | $3.71 Billion |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |